Home financing with a fixed euro option or an introductory rate followed by a variable rate.
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →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.
These rates distinguish income source (salary/rent/business). That does not establish a discount for transferring salary to this bank. Request a separate quote for that condition.
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 ↗Then: BTH 12M + 1.5%, min 4%
Salary/rent up to 30 years; business up to 20 years. Temporary commercial collateral adds 0.5 points to fixed rate, margin and floor.
Official terms · page 3 ↗Then: BTH 12M + 1.8%, min 4.3%
Salary/rent up to 30 years; business up to 20 years. Temporary commercial collateral adds 0.5 points to fixed rate, margin and floor.
Official terms · page 3 ↗Then: BTH 12M + 2.1%, min 4.6%
Salary/rent up to 30 years; business up to 20 years. Temporary commercial collateral adds 0.5 points to fixed rate, margin and floor.
Official terms · page 3 ↗Then: BTH 12M + 1.5%, min 4%
Salary/rent up to 30 years; business up to 20 years. Temporary commercial collateral: +0.5 points to fixed rate, margin and floor.
Official terms ↗Then: BTH 12M + 1.8%, min 4.3%
Salary/rent up to 30 years; business up to 20 years. Temporary commercial collateral: +0.5 points to fixed rate, margin and floor.
Official terms · page 3 ↗Then: BTH 12M + 2.1%, min 4.6%
Salary/rent up to 30 years; business up to 20 years. Temporary commercial collateral: +0.5 points to fixed rate, margin and floor.
Official terms · page 3 ↗The bank confirms the final rate based on your profile and the product terms.
Official terms ↗The bank confirms the final rate based on your profile and the product terms.
Official terms ↗The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Then: Euribor 12M + 2.5%, min 3.7%
Salary/rent up to 30 years; business up to 20 years. Temporary commercial collateral adds 0.5 points to fixed rate, margin and floor.
Official terms · page 3 ↗Then: Euribor 12M + 2.8%, min 4%
Salary/rent up to 30 years; business up to 20 years. Temporary commercial collateral adds 0.5 points to fixed rate, margin and floor.
Official terms · page 3 ↗Then: Euribor 12M + 3.5%, min 4.7%
Salary/rent up to 30 years; business up to 20 years. Temporary commercial collateral adds 0.5 points to fixed rate, margin and floor.
Official terms · page 3 ↗Then: Euribor 12M + 2.5%, min 3.7%
Salary/rent up to 30 years; business up to 20 years. Temporary commercial collateral: +0.5 points to fixed rate, margin and floor.
Official terms · page 3 ↗Then: Euribor 12M + 2.8%, min 4%
Salary/rent up to 30 years; business up to 20 years. Temporary commercial collateral: +0.5 points to fixed rate, margin and floor.
Official terms · page 3 ↗Then: Euribor 12M + 3.5%, min 4.7%
Salary/rent up to 30 years; business up to 20 years. Temporary commercial collateral: +0.5 points to fixed rate, margin and floor.
Official terms · page 3 ↗Documented salary, business, rental income or a combination is accepted. Co-borrower and security required.
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 →
Advertised APR for the fixed option; the exact calculation amount and term are not provided. Option available up to 15 years, EUR 300,000, financing up to 85%; 4% salary/rent, 4.5% business, 5% other income.
Bank’s example ↗The bank publishes APR “up to” this value without a complete example. 2.9% in year one, then variable pricing by income source. It is not guaranteed or comparable without a personal quote.
Bank’s example ↗The bank publishes APR “up to” this value without a complete example. 2.9% in year one, then variable pricing by income source. It is not guaranteed or comparable without a personal quote.
Bank’s example ↗Bank example APR, not recalculated for your choices. Published principal plus total interest does not match the published repayment total; ask the bank to clarify. This example is excluded from rankings.
Bank example APR, not recalculated for your choices. Published principal plus total interest does not match the published repayment total; ask the bank to clarify. This example is excluded from rankings.
Bank’s example ↗✓ Fixed EUR option up to 15 years
✓ Variable option up to 30 years
The fully fixed EUR option up to 15 years differs from 1/3/5-year introductory rates. Up to 30 years applies to salary/rent; business income is limited to 20 years.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | These rates distinguish income source (salary/rent/business). That does not establish a discount for transferring salary to this bank. Request a separate quote for that condition. |
| Maximum term (months) | 360 |
| Published APR (%) | ALL: 4.59 – 5.31% EUR: 4.20 – 6.33% · see examples and conditions |
| Fees | Administrim / Administration: 1%, min. 5,000 ALL / 50 EUR |
| Collateral | Hipotekë ose depozitë sipas kushteve / Mortgage or deposit subject to terms |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLSalary or rental income | — – Confirm amount with bank | —–360 | See nominal interest aboveALL uses the equivalent of EUR 4,000–300,000. The term depends on income source. |
| ALLBusiness income | — – Confirm amount with bank | —–240 | See nominal interest aboveALL uses the equivalent of EUR 4,000–300,000. The term depends on income source. |
| EURSalary or rental income | 4,000 – 300,000 | —–360 | See nominal interest aboveALL uses the equivalent of EUR 4,000–300,000. The term depends on income source. |
| EURBusiness income | 4,000 – 300,000 | —–240 | See nominal interest aboveALL uses the equivalent of EUR 4,000–300,000. The term depends on income source. |
| EURFixed throughout | 4,000 – 300,000 | —–180 | See nominal interest aboveRate 4–5% depending on income source. |
Product page on the bank’s website ↗
Kredi për Blerje/Ndërtim Shtëpie - Prill 2026 ↗Reviewed pages: 1, 2, 3, 4, 5
