EDU KREDI — student loan

Tuition finance with a parent or close relative as co-borrower. Interest is fixed for 3 years and variable afterwards.

Intesa Sanpaolo Bank Albania

Provider: Directly by the bank. No sponsored placement.

Cost summary

Indicative figures

Monthly payment: UnconfirmedPer month
Total interest: UnconfirmedOver the whole term
Fees: UnconfirmedUpfront bank fee only
Total repayment: UnconfirmedLoan + interest + known fee

Interest and monthly payments over time

View rates by option (2)

ALL · Nominal interest · Fixed for the first 36 months

Year 1: 8.5%Fixed rate

Years 2–3: 8.5%Fixed rate
From year 4: BTH 12M + 6 percentage points, minimum 8.5%

EUR · Nominal interest · Fixed for the first 36 months

Year 1: 7%Fixed rate

Years 2–3: 7%Fixed rate
From year 4: Euribor 12M + 6.5 percentage points, minimum 7%

Choose your amount, term, currency and customer category to see the summary.

Choose your loan details →

Request loan information

Your product context

ALL EUR

Calculate with this product →

Nominal interest by currency

The annual nominal rate is used to calculate interest on the outstanding loan amount; it excludes fees and is different from APR. Rates depend on the currency, customer profile and fixed period. BTH refers to Albanian Treasury bills, while Euribor is a benchmark for euro borrowing. For a variable rate, the published minimum is a floor; the rate you pay may be higher.

Salary at the lending bank

Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.

ALL · Lekë

Nominal interestFixed for the first 36 months

Year 1: 8.5%Fixed rate

Years 2–3: 8.5%Fixed rate
From year 4: BTH 12M + 6 percentage points, minimum 8.5%

For Albanian-resident students studying in Albania, with a co-borrower and documented income.

Official terms · page 2 ↗

EUR · Euro

Nominal interestFixed for the first 36 months

Year 1: 7%Fixed rate

Years 2–3: 7%Fixed rate
From year 4: Euribor 12M + 6.5 percentage points, minimum 7%

For Albanian-resident students studying in Albania, with a co-borrower and documented income.

Official terms · page 2 ↗

Employment, income & eligibility

For Albanian-resident students studying in Albania, with a co-borrower and documented income.

Who can apply: For Albanian-resident students studying in Albania, with a co-borrower and documented income. Source ↗
Documents: ID, family certificate, university admission or progress confirmation and income documents. University documents must be issued within the last 3 months. Source ↗

Annual percentage rate (APR)

APR (annual percentage rate) expresses borrowing costs as a yearly percentage, including interest and the fees included in the calculation. The nominal rate covers interest alone. APR is not an additional charge. Where available, the bank’s published examples are shown below; your offer may differ. Compare the same currency, amount, term and customer profile.

Understand APR and the nominal rate, with an example →

ALL: Not confirmed
EUR: Not confirmed

No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.

Repayment, costs & documents

Documents: ID, family certificate, university admission or progress confirmation and income documents. University documents must be issued within the last 3 months. Source ↗
Fees: ALL 5,000 administration; dedicated account without maintenance charge and no early repayment fee. Confirm the EUR administration fee. Source ↗
APR example — excluded from rankings: 9.10% for the ALL 750,000 / 84-month example assuming BTH at 2.6%. Not an APR for every customer. The EUR example is excluded because its amount exceeds the product limit. Source ↗
Drawdown and repayment: Drawdown may follow academic years. The bank confirms any interest-only period and repayment plan; no payment is calculated without these details. Source ↗
Collateral: No physical collateral; a co-borrower is required. Source ↗

Benefits and limitations

✓ Up to 7 years

✓ No physical collateral

Key published conditions
Currencies	ALL, EUR
Salary at the lending bank	Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
Maximum term (months)	84
Published APR (%)	ALL: Not confirmed EUR: Not confirmed
Fees	LEK: administrim 5,000 LEK. Komisioni në EUR duhet konfirmuar. Pa komision shlyerjeje para afatit.
Collateral	Pa kolateral fizik; kërkohet bashkëkredimarrës.

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLUniversity studies	100,000 – 750,000	—–84	See nominal interest aboveFor Albanian-resident students studying in Albania, with a co-borrower and documented income.
EURUniversity studies	500 – 5,000	—–84	See nominal interest aboveFor Albanian-resident students studying in Albania, with a co-borrower and documented income.

Official sources and supporting terms

Product page on the bank’s website ↗

Intesa · EDU KREDI · informacion parakontraktor ↗Reviewed pages: 1, 2, 3