Home financing with Flex or Fix&Flex options and salary-based conditions.
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.
The page separates Flex and Fix & Flex by salary at ProCredit or elsewhere. Examples use a 0.9% payroll fee and 1% for others. The PDF requires salary transfer for employees; confirm that requirement for your chosen offer.
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 ↗The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Then: BTH 12M + 3.5%, min 5%
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: BTH 12M + 4.5%, min 5.5%
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Emigrant option from the PDF table; income documents and residence conditions require individual confirmation.
Official terms · page 4 ↗The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Then: Euribor 12M + 4%, min 5%
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 + 4.5%, min 5.5%
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Emigrant option from the PDF table; income documents and residence conditions require individual confirmation.
Official terms · page 4 ↗For salary applicants: at least 6 months of employment and salary credited to a bank. Separate options exist for rent, business income and emigrants.
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 →
Variable rate: 12M benchmark + 3%, floor 5%. Fee 0.9%, example life insurance 24,044 ALL. The benchmark is the bank’s illustrative assumption, not a verified current benchmark. Fix&Flex has different conditions.
Bank’s example ↗Variable rate: 12M benchmark + 3%, floor 5%. Fee 0.9%, example life insurance 240 EUR. The benchmark is the bank’s illustrative assumption, not a verified current benchmark. Fix&Flex has different conditions.
Bank’s example ↗Flex example for customers without salary at ProCredit; includes a 1% fee and life insurance. This is not the Fix & Flex APR.
Bank’s example ↗Published Flex example for customers without salary at ProCredit. The 5.87% APR is below the 6.25% nominal rate; clarification is required and this value is not ranked.
Published Flex example for customers without salary at ProCredit. The 5.87% APR is below the 6.25% nominal rate; clarification is required and this value is not ranked.
Bank’s example ↗✓ Up to 25 years
✓ Up to ALL 50 million / EUR 500,000
Confirm salary transfer: the page lists other-bank salary customers while the PDF requires transfer for employees.
The salary-client Fix&Flex rate of 3.9% applies only in year one, followed by the variable formula.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | The page separates Flex and Fix & Flex by salary at ProCredit or elsewhere. Examples use a 0.9% payroll fee and 1% for others. The PDF requires salary transfer for employees; confirm that requirement for your chosen offer. |
| Maximum term (months) | 300 |
| Published APR (%) | ALL: 6.03 – 7.08% EUR: 5.82 – 5.87% · see examples and conditions |
| Fees | Pagë në ProCredit / salary at ProCredit: 0.9%; klientë të tjerë / other customers: 1%, sipas shembujve të faqes / per webpage examples |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLHome loan | — – 50,000,000 | —–300 | See nominal interest aboveMinimum EUR 10,000 or ALL equivalent. The webpage gives a maximum of ALL 50 million / EUR 500,000. |
| EURHome loan | 10,000 – 500,000 | —–300 | See nominal interest aboveMinimum EUR 10,000 or ALL equivalent. The webpage gives a maximum of ALL 50 million / EUR 500,000. |
Product page on the bank’s website ↗
Informacioni parakontraktor - Kredi Hipotekore ↗Reviewed pages: 1, 4, 6, 7, 9
