Fundway home loan

For home purchases under the ProCredit–Fundway agreement. Terms differ according to whether salary is paid into ProCredit.

ProCredit Bank

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

Interest and monthly payments over time

View rates by option (4)

ALL · ProCredit payroll · Fixed for the first 36 months

Year 1: 5.5%Fixed rate

Years 2–3: 5.5%Fixed rate
Years 4–25: BTH 12M + 3.5%, minimum 5.5%

ALL · Standard · Variable from the start

Year 1: BTH 12M + 4.5%, minimum 5.5%Variable · the benchmark may change

From year 2: BTH 12M + 4.5%, minimum 5.5%Variable · the benchmark may change

EUR · ProCredit payroll · Fixed for the first 36 months

Year 1: 5.5%Fixed rate

Years 2–3: 5.5%Fixed rate
Years 4–25: Euribor 12M + 3.5%, minimum 5.5%

EUR · Standard · Variable from the start

Year 1: Euribor 12M + 4.5%, minimum 5.5%Variable · the benchmark may change

From year 2: Euribor 12M + 4.5%, minimum 5.5%Variable · the benchmark may change

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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

Payroll: 5.5% fixed for three years, then a +3.5-percentage-point margin. Standard: +4.5 margin from the start. The floor is 5.5%.

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

Salary paid into this bankProCredit payrollFixed for the first 36 months

Year 1: 5.5%Fixed rate

Years 2–3: 5.5%Fixed rate
Years 4–25: BTH 12M + 3.5%, minimum 5.5%

Under the Fundway agreement only. The emigrant variant is excluded because the page is inconsistent.

Official terms ↗

Other customersStandardVariable from the start

Year 1: BTH 12M + 4.5%, minimum 5.5%Variable · the benchmark may change

From year 2: BTH 12M + 4.5%, minimum 5.5%Variable · the benchmark may change

Under the Fundway agreement only. The emigrant variant is excluded because the page is inconsistent.

Official terms ↗

EUR · Euro

Salary paid into this bankProCredit payrollFixed for the first 36 months

Year 1: 5.5%Fixed rate

Years 2–3: 5.5%Fixed rate
Years 4–25: Euribor 12M + 3.5%, minimum 5.5%

Under the Fundway agreement only. The emigrant variant is excluded because the page is inconsistent.

Official terms ↗

Other customersStandardVariable from the start

Year 1: Euribor 12M + 4.5%, minimum 5.5%Variable · the benchmark may change

From year 2: Euribor 12M + 4.5%, minimum 5.5%Variable · the benchmark may change

Under the Fundway agreement only. The emigrant variant is excluded because the page is inconsistent.

Official terms ↗

Employment, income & eligibility

A home covered by the Fundway agreement and bank approval. The page requires employment for at least the last six months.

Eligible homes: Only homes covered by the ProCredit agreement with Fundway, subject to bank approval. Source ↗
Employment: Employment during at least the last six months is required. Payroll pricing applies when salary is paid into ProCredit. 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 page splits some APR figures by period and uses historical reference rates in examples. These are not treated as whole-term APR or as applicable to every borrower.

Repayment, costs & documents

Term and amount: Up to 25 years. ALL 10,000,000 and EUR 100,000 on the page are examples, not product limits. Source ↗
Disbursement fee: 1.5% for payroll customers; 2% for standard customers. Source ↗
Other costs: Account: ALL 100/month. Card: ALL 200 every three months. Payroll customers have a fee-free account package in the first year. Life insurance is required; individual cost is confirmed by the bank. Source ↗
Collateral and guarantees: Loan security is governed by the bank agreement with Fundway; the bank confirms the conditions for the specific home. Source ↗

Benefits and limitations

✓ Only for homes under the Fundway agreement

✓ Term up to 25 years

Fundway agreement only. Emigrant rates and APR are excluded from this proposal.

Key published conditions
Currencies	ALL, EUR
Salary at the lending bank	Payroll: 5.5% fixed for three years, then a +3.5-percentage-point margin. Standard: +4.5 margin from the start. The floor is 5.5%.
Maximum term (months)	300
Published APR (%)	ALL: Not confirmed EUR: Not confirmed
Fees	Disbursim 1.5% pagamarrës / 2% standard; tarifa llogarie dhe karte, sigurim jete. / Disbursement 1.5% payroll / 2% standard; account/card fees and life insurance.
Collateral	Sipas marrëveshjes së bankës me Fundway / Under the bank agreement with Fundway

Official sources and supporting terms

Product page on the bank’s website ↗