Home Loan
Home financing with Flex or Fix&Flex options and salary-based conditions.
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.
Edit your choices →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 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.
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
For salary applicants: at least 6 months of employment and salary credited to a bank. Separate options exist for rent, business income and emigrants.
- Employment and salary transfer
- The page requires at least 6 months of employment and bank-paid salary for salary applicants. Pricing differs when salary is received at ProCredit; rental/business income uses its own option. Source ↗
- Salary transfer
- The pre-contract sheet requires salary transfer to ProCredit, while the webpage also lists other-bank salary pricing. Confirm transfer requirements for your chosen option. 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
- Minimum EUR 10,000 or ALL equivalent; webpage maximum EUR 500,000 / ALL 50 million; up to 25 years. Source ↗
- Property and own contribution
- Mortgage over the purchased or another acceptable property. Own funds cover the unfunded share; an external expert values the property at the customer’s cost. Source ↗
- Disbursement fee
- Webpage examples use 0.9% for salary received at ProCredit and 1% for customers without salary there. The PDF uses 1% in its own illustration. Confirm the fee for your profile and package. Source ↗
- Account and costs
- Basic package: ALL 100 / EUR 1 per month; full package: ALL 700 / EUR 5 per month. Notarization, property registration and insurance cost extra. Source ↗
- Early repayment
- Compensation up to 2% with over 1 year remaining, up to 1% with at most 1 year, limited to the bank’s justified losses. No compensation for insurance-funded repayment. Source ↗
Benefits and limitations
✓ 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 |
Amounts, terms and pricing by currency
| 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. |
Official sources and supporting terms
Product page on the bank’s website ↗
Informacioni parakontraktor - Kredi Hipotekore ↗Reviewed pages: 1, 4, 6, 7, 9