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
12-month option3%Fixed for the first 12 months
Then: BTH 12M + 1.7%, min 3.8%
The bank confirms the final rate based on your profile and the product terms.
Regular work and stable monthly income; the main repayment contributor must be aged 20–35. For business income: registration, two years of financial statements and current-year tax records. 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.
Fee 525 EUR. The page publishes this 30-year example while the fixed-rate description states up to 25 years. This does not confirm a 30-year fixed-rate offer; ask the bank to resolve the discrepancy. It does not apply to the variable-rate option.
The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.
Fee 56,000 ALL. The page publishes this 30-year example while the fixed-rate description states up to 25 years. This does not confirm a 30-year fixed-rate offer; ask the bank to resolve the discrepancy. It does not apply to the variable-rate option.
The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.
ALL 1–16 million or EUR 10,000–150,000. Term 5–25 years for the fully fixed option; 5–30 years for the variable option. Source ↗
Home financing
Up to 100% of the purchase-contract value, secured on property and subject to bank approval. Additional costs still apply. Source ↗
Administration and amendments
Administration 0.35%, minimum ALL 15,000 / EUR 100. Contract amendment ALL 21,000 / EUR 150; account priced under the tariff. Source ↗
Insurance and property
Life insurance renewed annually for the outstanding balance; property insurance for the full term. Licensed valuation, notary and cadastral registration cost extra. Source ↗
Early repayment
Give at least 15 days’ notice. Fee 2% with over 1 year remaining, 1% with under 1 year; confirm the exactly-one-year case. Source ↗
Payment relief
Subject to approval: up to 12 interest-only months and up to 2 years at 70% of the standard payment; reduced amortization ends at age 35. Source ↗
Benefits and limitations
✓ Fixed or variable option
✓ Up to 30 years depending on option
The fixed 5.5% option is limited to 25 years; webpage APR examples use 30 years. Request APR for your chosen term and option.
The page gives conflicting terms for the fixed option; 5.5% is not presented as a universal 30-year offer. Confirm financing and collateral conditions.
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.
Minimum term (months)
60
Maximum term (months)
360
Published APR (%)
ALL: 6.35%
EUR: 5.88% · see examples and conditions
Fees
Administrim / Administration: 0.35%, min. 15,000 ALL / 100 EUR
Amounts, terms and pricing by currency
Currency / customer
Amount
Months
Annual rate
ALLFixed throughout
1,000,000 – 16,000,000
60–300
See nominal interest aboveTerm includes payment-deferral options; approval and conditions require bank confirmation.
ALLVariable after introduction
1,000,000 – 16,000,000
60–360
See nominal interest aboveTerm includes payment-deferral options; approval and conditions require bank confirmation.
EURFixed throughout
10,000 – 150,000
60–300
See nominal interest aboveTerm includes payment-deferral options; approval and conditions require bank confirmation.
EURVariable after introduction
10,000 – 150,000
60–360
See nominal interest aboveTerm includes payment-deferral options; approval and conditions require bank confirmation.
