Office, shop or business-unit loan
Purchase, build or renovate professional premises, with separate limits by purpose.
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.
Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
ALL · Lekë
The page’s rate table refers to purchase. Construction or renovation pricing needs separate confirmation.
Official terms ↗EUR · Euro
The page’s rate table refers to purchase. Construction or renovation pricing needs separate confirmation.
Official terms ↗Employment, income & eligibility
Professionals financing their business premises; mortgage over the financed property or another acceptable property.
- Purpose and security
- Professional or investment premises; a first-ranking mortgage over the financed or another acceptable property is required. The page does not state a minimum employment history. 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
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Collateral coverage
- Bank requires 143% coverage for residential property or 165% for a shop/office/business unit. These are coverage ratios, not financing percentages above 100%. Equal monthly principal-and-interest instalments. Source ↗
- Insurance and expenses
- Life and property insurance; premium depends on loan, age and property. Notary, mortgage registration and valuation are additional; insurance is renewed under the terms. Source ↗
- Collateral and valuation
- First-ranking mortgage over the financed property or other applicant/co-borrower/third-party property. Valuation by a licensed expert appointed by the bank. Source ↗
- Fees and additional costs
- Administration 1.5% of disbursed amount, 0% for refinancing from other institutions; valuation, life/property insurance and notary/registration costs apply as relevant. Source ↗
Benefits and limitations
✓ Purchase up to 20 years
✓ Renovation 10–15 years
The page lists up to 20 years while the precontract example uses 25. Its example APR is not a quote for every application; confirm final term with the bank.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer. |
| Maximum term (months) | 240 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Collateral | Hipotekë e rangut të parë / First-ranking mortgage |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLPurchase | 500,000 – 50,000,000 | —–240 | See nominal interest aboveVariable interest using the product formula. |
| ALLRenovation without works valuation | 1,000,000 – 2,500,000 | —–120 | See nominal interest aboveSubject to bank assessment. |
| ALLRenovation with works valuation | 1,000,000 – 18,750,000 | —–180 | See nominal interest aboveSubject to bank assessment. |
| EURPurchase | 5,000 – 500,000 | —–240 | See nominal interest aboveVariable interest using the product formula. |
| EURRenovation without works valuation | 8,000 – 20,000 | —–120 | See nominal interest aboveSubject to bank assessment. |
| EURRenovation with works valuation | 8,000 – 150,000 | —–180 | See nominal interest aboveSubject to bank assessment. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kredi për zyrë, dyqan ose njësi biznesi
Info_parakont_RealEstate ↗Reviewed pages: 2, 3, 4