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

Rates depend on salary/rent, business or other income. Salary transfer does not determine this profile.

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 ↗

USD

Year 1: Not confirmed by the bank

From year 2: Not confirmed by the bank

Employment, income & eligibility

For Albanian citizens living and working in Italy, the UK, Germany, Greece or the USA.

Co-borrower and contact: If married, your spouse must be a co-borrower. A contact person living in Albania is required. Source ↗
Documents: ID/passport, income evidence, 12 months of statements and collateral documents. Self-employed applicants need the last two years of tax returns. 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

Fee and other costs: 1% administration, minimum ALL 5,000 / EUR 50. Property valuation, notary, registration and insurance separately. Source ↗
Funding and security: Up to 70% funding; property security covering 125% or deposit 110%. Life insurance at 100% and property insurance at 110% of the loan. Source ↗

Benefits and limitations

✓ EUR fixed interest for up to 15 years

✓ Up to 30 years for variable-rate options

The page’s ALL 4.5% three-year fixed variant differs from the tariff; it is excluded from estimates.

Key published conditions
Currencies	ALL, EUR
Salary at the lending bank	Rates depend on salary/rent, business or other income. Salary transfer does not determine this profile.
Maximum term (months)	360
Published APR (%)	ALL: Not confirmed EUR: 4.20% · see examples and conditions
Fees	1%; min 5,000 LEK / 50 EUR
Collateral	Hipotekë mbi pronë / Property mortgage
Loan-to-value (%)	70

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLSalary or rent	— – Confirm amount with bank	—–360	See nominal interest aboveSubject to profile and bank assessment.
EURSalary or rent	4,000 – 300,000	—–360	See nominal interest aboveSubject to profile and bank assessment.
ALLBusiness income	— – Confirm amount with bank	—–360	See nominal interest aboveSubject to profile and bank assessment.
EURBusiness income	4,000 – 300,000	—–360	See nominal interest aboveSubject to profile and bank assessment.
ALLOther income	— – Confirm amount with bank	—–360	See nominal interest aboveSubject to profile and bank assessment.
EUROther income	4,000 – 300,000	—–360	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 shtëpi për emigrantë

OTP — Buletini i interesave dhe tarifave për individë ↗Reviewed pages: 1, 2, 3