Shop, office or land loan
Secured borrowing for a shop, office, land or rental property.
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 (6)
ALL · Salary/rent · 1 year(s) fixed · Fixed for the first 12 months
- Year 1
- 2.9%Fixed rate
- From year 2
- BTH 12M + 1.8%, min 4.3%
EUR · Salary/rent · 1 year(s) fixed · Fixed for the first 12 months
- Year 1
- 2.9%Fixed rate
- From year 2
- Euribor 12M + 2.8%, min 4%
EUR · Salary/rent · 3 year(s) fixed · Fixed for the first 36 months
- Year 1
- 3.5%Fixed rate
- Years 2–3
- 3.5%Fixed rate
- From year 4
- Euribor 12M + 2.8%, min 4%
EUR · Salary/rent · fixed · Annual interest
- Year 1
- 4.5%Fixed rate
- From year 2
- 4.5%Same fixed rate until repayment
EUR · Business income · fixed · Annual interest
- Year 1
- 5%Fixed rate
- From year 2
- 5%Same fixed rate until repayment
EUR · Other income · fixed · Annual interest
- Year 1
- 5.5%Fixed rate
- From year 2
- 5.5%Same fixed rate until repayment
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →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.
Rate and term depend on salary/rent, business or other income. No discount solely for salary transfer is confirmed.
What does salary transfer mean?
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Bank’s salary conditions ↗ALL · Lekë
- Year 1
- 2.9%Fixed rate
- From year 2
- BTH 12M + 1.8%, min 4.3%
Salary or rental income only. The ALL cap is the equivalent of EUR 300,000; no exchange rate is assumed.
Official terms · page 3 ↗EUR · Euro
- Year 1
- 2.9%Fixed rate
- From year 2
- Euribor 12M + 2.8%, min 4%
Salary or rental income only. The ALL cap is the equivalent of EUR 300,000; no exchange rate is assumed.
Official terms · page 3 ↗- Year 1
- 3.5%Fixed rate
- Years 2–3
- 3.5%Fixed rate
- From year 4
- Euribor 12M + 2.8%, min 4%
Salary or rental income only. The ALL cap is the equivalent of EUR 300,000; no exchange rate is assumed.
Official terms · page 3 ↗- Year 1
- 4.5%Fixed rate
- From year 2
- 4.5%Same fixed rate until repayment
Term up to 15 years.
Official terms · page 3 ↗- Year 1
- 5%Fixed rate
- From year 2
- 5%Same fixed rate until repayment
Term up to 10 years.
Official terms · page 3 ↗- Year 1
- 5.5%Fixed rate
- From year 2
- 5.5%Same fixed rate until repayment
This profile’s term requires confirmation.
Official terms · page 3 ↗Employment, income & eligibility
Albanian residents with verifiable income; businesses must have operated for at least one year.
- Documents
- ID/passport, income evidence and property documents; a co-borrower is required. 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
The PDF’s 4.778% APR uses 4.5% ALL interest and a 2% fee, unlike the current terms. Request the APR for your personal offer.
Repayment, costs & documents
- Amount and term
- Salary/rent: up to 20 years, or 15 years for fixed EUR. Business: up to ten years. Source ↗
- Fee and extra costs
- 1% administration, minimum ALL 5,000 / EUR 50. Property valuation, notary, registration and insurance separately. Source ↗
- Collateral
- Property covering at least 143%, or a deposit covering 110% of the loan. Source ↗
- Land financing
- Up to 60% of the land value. Source ↗
- Maximum amount
- Up to EUR 300,000 or the ALL equivalent. Source ↗
Benefits and limitations
✓ ALL or EUR financing
✓ Fixed EUR for up to 15 years for salary/rent
Business/other-income variable rates and the ALL introductory option differ between the page and PDF; conflicting options are excluded from payment estimates.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Rate and term depend on salary/rent, business or other income. No discount solely for salary transfer is confirmed. |
| Maximum term (months) | 240 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | 1%; min 5,000 LEK / 50 EUR |
| Collateral | Hipotekë mbi pronë / Property mortgage |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLSalary/rent | — – Confirm amount with bank | —–240 | See nominal interest aboveSubject to profile and bank assessment. |
| EURSalary/rent | — – 300,000 | —–240 | See nominal interest aboveSubject to profile and bank assessment. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi për dyqan, zyrë ose tokë
OTP — Buletini i interesave dhe tarifave për individë ↗Reviewed pages: 1, 2, 3
OTP — Kredi për pasuri të paluajtshme, prill 2026 ↗Reviewed pages: 1, 2, 3, 4, 5