Business-premises mortgage
Finance the purchase, construction or renovation of business premises.
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
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →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.
ALL · Lekë
Nominal rate unconfirmed. Request pricing for this currency from the bank.
EUR · Euro
Nominal rate unconfirmed. Request pricing for this currency from the bank.
USD
Nominal rate unconfirmed. Request pricing for this currency from the bank.
Business eligibility and documents
Businesses assessed by the bank for project viability and repayment capacity.
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
- USD
- Not confirmed
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Limit and contribution
- Up to EUR 1 million or equivalent in ALL/USD; up to 70% of investment. Customer finances the remainder. This is the business-premises mortgage, with terms separate from the general investment loan. Source ↗
- Participation and term
- Buying or building business premises; bank finances up to 70% of investment over up to 120 months. Remaining contribution and security depend on the project. Source ↗
Benefits and limitations
✓ Up to 10 years
✓ Up to 70% of investment
The page does not publish a nominal rate, APR or fee specific to business premises. The separate investment offer on the same page does not automatically apply here.
| Currencies | ALL, EUR, USD |
|---|---|
| Maximum term (months) | 120 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed USD: Not confirmed |
| Collateral | Hipotekë sipas vlerësimit të bankës / Mortgage subject to bank assessment |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| EURBusiness premises | — – 1,000,000 | —–120 | By agreementSubject to bank assessment. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi hipotekore për ambiente biznesi