Youth Home Loan
First-home financing for applicants aged 20–35.
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
Not published in USD. Published currencies: LEK, EUR. Change your choices to calculate a payment within the bank’s published limits.
Edit your choices →Your product context
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-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
USD
Nominal rate unconfirmed. Request pricing for this currency from the bank.
Employment, income & eligibility
Age 20–35 with monthly income paid through the banking system.
- Residence and income
- Albanian citizen resident in Albania, with regular, fully declared income paid through the banking system. Source ↗
- Age and home
- Age 20–35; financing for the first home. Source ↗
- Employment and self-employment
- 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.
Understand APR and the nominal rate, with an example →
- USD
- Not confirmed
The reviewed bank examples are in another currency.
Repayment, costs & documents
- Amount and options
- 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.
| 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. |
Official sources and supporting terms
Product page on the bank’s website ↗
KFS-Kredi Hipotekore për të rinjtë-IR Variable ↗Reviewed pages: 1, 2, 3, 5, 6