Home Loan

Home financing with a fixed euro option or an introductory rate followed by a variable rate.

Provider: Directly by the bank. No sponsored placement.

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.

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Your product context

ALL EUR

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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 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.

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

Nominal rate unconfirmed. Request pricing for this currency from the bank.

Employment, income & eligibility

Documented salary, business, rental income or a combination is accepted. Co-borrower and security required.

Income and co-borrower: Documented salary, business, rental income or a combination is accepted. Co-borrower and security required. Source ↗
Security and insurance: Mortgage with 125% coverage or 110% deposit; life cover for 100% and property cover for 110% of the loan, under bank terms. 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 term by income: EUR 4,000–300,000 or ALL equivalent. Salary/rent up to 30 years, business up to 20 years. Fully fixed EUR option: up to 15 years. Source ↗
Financing by currency: First home: up to 85% ALL / 75% EUR; second home: up to 80% ALL / 70% EUR. Land purchase: up to 60%. Source ↗
Security: Mortgage covering at least 125%, or same-currency deposit covering 110%. Commercial collateral is temporary until the home is registered and increases pricing. Source ↗
Fees: Administration 1%, minimum ALL 5,000 / EUR 50. Property valuation, notary and mortgage registration are separate costs. Source ↗
Insurance: The webpage requires life cover for 100% and property cover for 110% of the loan. The PDF sets exposure thresholds; request the exact premiums and obligations in your personal offer. Source ↗
Early repayment: 2% with over 1 year remaining and 1% with under 1 year; confirm the exactly-one-year case. Contract amendment costs ALL 5,000 under the PDF. Source ↗

Benefits and limitations

✓ 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.

Key published conditions
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

Amounts, terms and pricing by currency

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.

Official sources and supporting terms

Product page on the bank’s website ↗

Kredi për Blerje/Ndërtim Shtëpie - Prill 2026 ↗Reviewed pages: 1, 2, 3, 4, 5