Universal secured loan
Secured personal spending loan; rates depend on the source of income.
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 (9)
ALL · Salary or rent · Variable rate, reviewed annually
- Year 1
- BTH 12M + 2.5%, min 5.5%Variable · the benchmark may change
- From year 2
- BTH 12M + 2.5%, min 5.5%Variable · the benchmark may change
ALL · Business income · Variable rate, reviewed annually
- Year 1
- BTH 12M + 3.1%, min 5.5%Variable · the benchmark may change
- From year 2
- BTH 12M + 3.1%, min 5.5%Variable · the benchmark may change
ALL · Other income · Variable rate, reviewed annually
- Year 1
- BTH 12M + 3.7%, min 5.5%Variable · the benchmark may change
- From year 2
- BTH 12M + 3.7%, min 5.5%Variable · the benchmark may change
EUR · Salary or rent · Variable rate, reviewed annually
- Year 1
- Euribor 12M + 3.5%, min 5.7%Variable · the benchmark may change
- From year 2
- Euribor 12M + 3.5%, min 5.7%Variable · the benchmark may change
EUR · Salary or rent · fixed · Fixed for up to 15 years
- Year 1
- 5%Fixed rate
- From year 2
- 5%Same fixed rate until repayment
EUR · Business income · Variable rate, reviewed annually
- Year 1
- Euribor 12M + 3.8%, min 5.7%Variable · the benchmark may change
- From year 2
- Euribor 12M + 3.8%, min 5.7%Variable · the benchmark may change
EUR · Business income · fixed · Fixed for up to 10 years
- Year 1
- 5.5%Fixed rate
- From year 2
- 5.5%Same fixed rate until repayment
EUR · Other income · Variable rate, reviewed annually
- Year 1
- Euribor 12M + 4.1%, min 5.7%Variable · the benchmark may change
- From year 2
- Euribor 12M + 4.1%, min 5.7%Variable · the benchmark may change
EUR · Other income · fixed · Fixed for up to 15 years
- Year 1
- 6%Fixed rate
- From year 2
- 6%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.
The bank distinguishes salary/rent, business and other income. No quantified salary-transfer discount is published.
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
- BTH 12M + 2.5%, min 5.5%Variable · the benchmark may change
- From year 2
- BTH 12M + 2.5%, min 5.5%Variable · the benchmark may change
Up to 20 years; subject to income and collateral.
Official terms · page 3 ↗- Year 1
- BTH 12M + 3.1%, min 5.5%Variable · the benchmark may change
- From year 2
- BTH 12M + 3.1%, min 5.5%Variable · the benchmark may change
Up to 10 years; subject to income and collateral.
Official terms · page 3 ↗- Year 1
- BTH 12M + 3.7%, min 5.5%Variable · the benchmark may change
- From year 2
- BTH 12M + 3.7%, min 5.5%Variable · the benchmark may change
Select the income-source profile. Other-income terms need confirmation.
Official terms · page 3 ↗EUR · Euro
- Year 1
- Euribor 12M + 3.5%, min 5.7%Variable · the benchmark may change
- From year 2
- Euribor 12M + 3.5%, min 5.7%Variable · the benchmark may change
Up to 20 years; subject to income and collateral.
Official terms · page 3 ↗- Year 1
- 5%Fixed rate
- From year 2
- 5%Same fixed rate until repayment
Term depends on income; fixed pricing is EUR-only.
Official terms · page 3 ↗- Year 1
- Euribor 12M + 3.8%, min 5.7%Variable · the benchmark may change
- From year 2
- Euribor 12M + 3.8%, min 5.7%Variable · the benchmark may change
Up to 10 years; subject to income and collateral.
Official terms · page 3 ↗- Year 1
- 5.5%Fixed rate
- From year 2
- 5.5%Same fixed rate until repayment
Term depends on income; fixed pricing is EUR-only.
Official terms · page 3 ↗- Year 1
- Euribor 12M + 4.1%, min 5.7%Variable · the benchmark may change
- From year 2
- Euribor 12M + 4.1%, min 5.7%Variable · the benchmark may change
Select the income-source profile. Other-income terms need confirmation.
Official terms · page 3 ↗- Year 1
- 6%Fixed rate
- From year 2
- 6%Same fixed rate until repayment
Term depends on income; fixed pricing is EUR-only.
Official terms · page 3 ↗Employment, income & eligibility
Albanian residents with verifiable income; entrepreneurs with at least one year in business.
- Documents
- Salary/rental-income evidence and collateral documents; the bank may request more. 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 5.135% APR illustration uses 4.5% ALL interest and a 2% fee, which differ from its current pricing table. It is not shown as the APR of today’s offer.
Repayment, costs & documents
- Loan limits
- PDF: ALL 500,000–5,500,000 or EUR 4,000–50,000. The special ALL 15 million / EUR 150,000 salary/rent limit is not corroborated on the page and is not used for estimates. Source ↗
- Fee and insurance
- PDF: 1.5% administration, minimum ALL 5,000 / EUR 50; life insurance above ALL 2 million exposure and property insurance above ALL 1 million. Valuation, notary and registration separately. Source ↗
- Early repayment
- The page says no fee; the PDF gives 2% with more than one year left and 1% with less. Request written confirmation. Source ↗
- Collateral
- Property worth at least 143% of the loan or a deposit covering 110%. Source ↗
Benefits and limitations
✓ Fixed-rate EUR option
✓ Terms tailored to the source of income
The special limit and early-repayment fee differ between the page and PDF.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | The bank distinguishes salary/rent, business and other income. No quantified salary-transfer discount is published. |
| Maximum term (months) | 240 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | 1.5%; 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 or rent | 500,000 – 5,500,000 | —–240 | See nominal interest aboveSubject to profile and bank assessment. |
| EURSalary or rent | 4,000 – 50,000 | —–240 | See nominal interest aboveSubject to profile and bank assessment. |
| ALLBusiness income | 500,000 – 5,500,000 | —–120 | See nominal interest aboveSubject to profile and bank assessment. |
| EURBusiness income | 4,000 – 50,000 | —–120 | See nominal interest aboveSubject to profile and bank assessment. |
| ALLOther income | 500,000 – 5,500,000 | See nominal interest aboveSubject to profile and bank assessment. | |
| EUROther income | 4,000 – 50,000 | See nominal interest aboveSubject to profile and bank assessment. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi Universal me kolateral
OTP — Kredi Universal, informacion parakontraktual, prill 2026 ↗Reviewed pages: 1, 2, 3, 4, 5