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Home / Home Loan — Arkon Studio

Home Loan — Arkon Studio

Only for purchases under the Arkon Studio agreement: 1.9% fixed for the first three years.

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 (6)

ALL · Payroll · Fixed for the first 36 months

Year 1
1.9%Fixed rate
Years 2–3
1.9%Fixed rate
From year 4
BTH 12M + 3.5%, min 5.5%

ALL · Standard · Fixed for the first 36 months

Year 1
1.9%Fixed rate
Years 2–3
1.9%Fixed rate
From year 4
BTH 12M + 4.5%, min 5.5%

ALL · Emigrants · Fixed for the first 36 months

Year 1
1.9%Fixed rate
Years 2–3
1.9%Fixed rate
From year 4
BTH 12M + 5.5%, min 6%

EUR · Payroll · Fixed for the first 36 months

Year 1
1.9%Fixed rate
Years 2–3
1.9%Fixed rate
From year 4
Euribor 12M + 3.5%, min 5.5%

EUR · Standard · Fixed for the first 36 months

Year 1
1.9%Fixed rate
Years 2–3
1.9%Fixed rate
From year 4
Euribor 12M + 4.5%, min 5.5%

EUR · Emigrants · Fixed for the first 36 months

Year 1
1.9%Fixed rate
Years 2–3
1.9%Fixed rate
From year 4
Euribor 12M + 5.5%, min 6%

Choose your amount, term, currency and customer category to see the summary.

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Your product context

ALLEUR
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.

Salary at the lending bank

The initial rate is the same. Payroll customers receive a subsequent margin one percentage point lower and a 1.5% rather than 2% disbursement fee.

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 bankPayrollFixed for the first 36 months
Year 1
1.9%Fixed rate
Years 2–3
1.9%Fixed rate
From year 4
BTH 12M + 3.5%, min 5.5%

Arkon Studio only. Bank examples use historical benchmarks; the subsequent rate depends on the benchmark at reset.

Official terms ↗
Other customersStandardFixed for the first 36 months
Year 1
1.9%Fixed rate
Years 2–3
1.9%Fixed rate
From year 4
BTH 12M + 4.5%, min 5.5%

Arkon Studio only. Bank examples use historical benchmarks; the subsequent rate depends on the benchmark at reset.

Official terms ↗
EmigrantsFixed for the first 36 months
Year 1
1.9%Fixed rate
Years 2–3
1.9%Fixed rate
From year 4
BTH 12M + 5.5%, min 6%

Arkon Studio only. Bank examples use historical benchmarks; the subsequent rate depends on the benchmark at reset.

Official terms ↗

EUR · Euro

Salary paid into this bankPayrollFixed for the first 36 months
Year 1
1.9%Fixed rate
Years 2–3
1.9%Fixed rate
From year 4
Euribor 12M + 3.5%, min 5.5%

Arkon Studio only. Bank examples use historical benchmarks; the subsequent rate depends on the benchmark at reset.

Official terms ↗
Other customersStandardFixed for the first 36 months
Year 1
1.9%Fixed rate
Years 2–3
1.9%Fixed rate
From year 4
Euribor 12M + 4.5%, min 5.5%

Arkon Studio only. Bank examples use historical benchmarks; the subsequent rate depends on the benchmark at reset.

Official terms ↗
EmigrantsFixed for the first 36 months
Year 1
1.9%Fixed rate
Years 2–3
1.9%Fixed rate
From year 4
Euribor 12M + 5.5%, min 6%

Arkon Studio only. Bank examples use historical benchmarks; the subsequent rate depends on the benchmark at reset.

Official terms ↗

Employment, income & eligibility

Purchasers under the Arkon Studio agreement; employed for at least six months with salary paid through a bank. Emigrant applicants are also described, subject to approval.

Who can apply
Purchasers under the Arkon Studio agreement; employed for at least six months with salary paid through a bank. Emigrant applicants are also described, subject to approval. Source ↗
Documents
ID or passport, 12 months of bank statements, salary confirmation, personal and family certificates. The bank confirms property documents for the specific agreement. 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 →

Payroll · initial period only

2.49% APR
Currency
ALL
Example amount
ALL 10,000,000
Term
300 months
Example nominal rate
1.90%
Example monthly payment
ALL 41,900

Bank illustration for the first three years; interest changes afterwards. Not a confirmed whole-term APR.

Bank’s example ↗

Standard · initial period only

2.54% APR
Currency
ALL
Example amount
ALL 10,000,000
Term
300 months
Example nominal rate
1.90%
Example monthly payment
ALL 41,900

Bank illustration for the first three years; interest changes afterwards. Not a confirmed whole-term APR.

Bank’s example ↗

Emigrants · initial period only

2.70% APR
Currency
ALL
Example amount
ALL 10,000,000
Term
180 months
Example nominal rate
1.90%
Example monthly payment
ALL 64,000

Bank illustration for the first three years; interest changes afterwards. Not a confirmed whole-term APR.

Bank’s example ↗

Payroll · initial period only

2.49% APR
Currency
EUR
Example amount
EUR 100,000
Term
300 months
Example nominal rate
1.90%
Example monthly payment
EUR 419

Bank illustration for the first three years; interest changes afterwards. Not a confirmed whole-term APR.

Bank’s example ↗

Standard · initial period only

2.54% APR
Currency
EUR
Example amount
EUR 100,000
Term
300 months
Example nominal rate
1.90%
Example monthly payment
EUR 419

Bank illustration for the first three years; interest changes afterwards. Not a confirmed whole-term APR.

Bank’s example ↗

Emigrants · initial period only

2.70% APR
Currency
EUR
Example amount
EUR 100,000
Term
180 months
Example nominal rate
1.90%
Example monthly payment
EUR 639

Bank illustration for the first three years; interest changes afterwards. Not a confirmed whole-term APR.

Bank’s example ↗

Repayment, costs & documents

Disbursement and insurance
Disbursement fee: 1.5% for ProCredit payroll customers, 2% for others. Life insurance is compulsory; its price depends on the borrower. Source ↗
Agreement and term
Only for purchases at Arkon Studio. The page describes terms up to 25 years and unsecured finance under the agreement; its emigrant illustration uses 15 years. The bank confirms the final term. Source ↗

Benefits and limitations

✓ 1.9% fixed for the first three years

✓ For Arkon Studio purchasers

Terms apply only to the Arkon Studio agreement. Your amount and payment require a bank quote.

Published initial-period APR does not represent the whole term; some later-period examples are inconsistent.

Key published conditions
CurrenciesALL, EUR
Salary at the lending bankThe initial rate is the same. Payroll customers receive a subsequent margin one percentage point lower and a 1.5% rather than 2% disbursement fee.
Maximum term (months)300
Published APR (%)ALL: 2.49 – 2.70% EUR: 2.49 – 2.70% · see examples and conditions
Fees1.5% pagamarrës / payroll; 2% të tjerë / others
CollateralPa kolateral sipas marrëveshjes së partnerit / Unsecured under the partner agreement

Amounts, terms and pricing by currency

Currency / customerAmountMonthsAnnual rate
ALLStandard— – Confirm amount with bank—–300See nominal interest aboveFinal interest, APR and fees are provided in the bank’s individual quote.
EURStandard— – Confirm amount with bank—–300See nominal interest aboveFinal interest, APR and fees are provided in the bank’s individual quote.
Official sources and supporting terms

Product page on the bank’s website ↗