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
Standard rates distinguish Salary+ from other-bank payroll. The 4.5% ten-year offer is separate and is not compared with the three-year standard rate as a salary discount. After the fixed period, the margin depends on profile.
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.
Salary earner, business owner or self-employed applicant with verifiable income; profile determines term and pricing.
Documents and financing
ID, family certificate, employment/income records, ownership certificate and cadastral record, map, floor plan and draft sale agreement. 100% financing may require a second property as collateral. Source ↗
Employment and income
Salary applicants provide employment evidence; business owners and self-employed applicants document business income. Property security does not replace repayment capacity. Source ↗
Profiles and term
Terms include salary earners, business owners and self-employed sole traders. Business/sole traders: up to 20 years; payroll 25–30 years depending on profile. 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.
4.5% fixed for 120 months; then payroll rate 12M T-bills + 1.8%. The example assumes a 2.44% benchmark and ALL 40,033 subsequent payment. The page header says 4.54% APR but its detailed example says 4.61%; the latter is shown with context. Applications until 31 December 2026.
The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.
MASS segment: ALL 775,000–21,000,000 or EUR 7,750–210,000. Minimum 6 months; maximum 20, 25 or 30 years by profile. Source ↗
Financing and collateral
Financing up to 100% may require a second property as security. Property and income are assessed separately; collateral alone is insufficient. Source ↗
Administration fee
1.25%, minimum ALL 25,000 / EUR 200 and maximum ALL 100,000 / EUR 800. Refinancing another bank: 0%. Source ↗
Early repayment
2% before the final year, 1% during the final year. During the variable-rate period: 0% for prepayment below 10% of principal, once a year. Source ↗
Collateral change and benchmark
Collateral change EUR 50. A negative benchmark is treated as zero; after the fixed period the segment’s standard rate applies. Source ↗
Benefits and limitations
✓ 4.5% for the first 10 years
✓ Up to 30 years
The page shows 4.54% APR in the headline and 4.61% in the detailed ALL example. The example with published inputs is shown; request a personal APR.
For applications by 31 December 2026. Rate changes thereafter; 100% financing requires extra collateral. APR depends on the example.
Key published conditions
Currencies
ALL, EUR
Salary at the lending bank
Standard rates distinguish Salary+ from other-bank payroll. The 4.5% ten-year offer is separate and is not compared with the three-year standard rate as a salary discount. After the fixed period, the margin depends on profile.
Minimum term (months)
6
Maximum term (months)
360
Published APR (%)
ALL: 4.61%
EUR: Not confirmed · see examples and conditions
Fees
1.25%; min 25,000 ALL / 200 EUR; max 100,000 ALL / 800 EUR; rifinancim / refinancing 0%
Amounts, terms and pricing by currency
Currency / customer
Amount
Months
Annual rate
ALLSalary+
775,000 – 21,000,000
6–360
See nominal interest aboveMASS segment; the bank determines risk profile and final pricing.
ALLOther payroll · low risk
775,000 – 21,000,000
6–360
See nominal interest aboveMASS segment; the bank determines risk profile and final pricing.
ALLOther payroll · standard
775,000 – 21,000,000
6–300
See nominal interest aboveMASS segment; the bank determines risk profile and final pricing.
ALLBusiness / self-employed
775,000 – 21,000,000
6–240
See nominal interest aboveMASS segment; the bank determines risk profile and final pricing.
EURSalary+
7,750 – 210,000
6–360
See nominal interest aboveMASS segment; the bank determines risk profile and final pricing.
EUROther payroll · low risk
7,750 – 210,000
6–360
See nominal interest aboveMASS segment; the bank determines risk profile and final pricing.
EUROther payroll · standard
7,750 – 210,000
6–300
See nominal interest aboveMASS segment; the bank determines risk profile and final pricing.
EURBusiness / self-employed
7,750 – 210,000
6–240
See nominal interest aboveMASS segment; the bank determines risk profile and final pricing.
