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 ↗

USD

Year 1: Not confirmed by the bank

From year 2: Not confirmed by the bank

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 →

USD: Not confirmed

The reviewed bank examples are in another currency.

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
Currencies	ALL, EUR
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.
Maximum term (months)	300
Published APR (%)	ALL: 2.49 – 2.70% EUR: 2.49 – 2.70% · see examples and conditions
Fees	1.5% pagamarrës / payroll; 2% të tjerë / others
Collateral	Pa kolateral sipas marrëveshjes së partnerit / Unsecured under the partner agreement

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLStandard	— – Confirm amount with bank	—–300	See nominal interest aboveFinal interest, APR and fees are provided in the bank’s individual quote.
EURStandard	— – Confirm amount with bank	—–300	See 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 ↗