Home Loan
Buy, build, renovate or refinance a home.
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.
In ALL, year one is 3.5% for both profiles; payroll then uses T-bills + 1.6% versus + 2.2%, with the same 4% floor. EUR has the same published formula for both profiles. The ALL benefit is in the follow-on margin.
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
Then: BTH 12M + 1.6%, min 4%
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Then: BTH 12M + 2.2%, min 4%
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗EUR · Euro
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Employment, income & eligibility
Employed applicants with income evidence or business owners with registration and financial documents.
- Employment or business
- Employees provide employer-issued income evidence. Business owners provide registration and official monthly or annual payment records; ID and a family certificate are also required. Source ↗
- Property documents
- For purchase: property records and sale contract. For construction: property records, building permit and works estimate. 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
The PDF example does not match the current rate terms. Ask the bank for APR for your offer.
Repayment, costs & documents
- Amount by segment
- Minimum ALL 500,000 / EUR 5,000. Maximum MASS ALL 30 million / EUR 300,000; Affluent 50 million / 500,000; Premium 100 million / 1 million. Up to 30 years. Source ↗
- Collateral coverage by currency
- First home: collateral 118% ALL / 133% EUR of the loan; second home: 125% ALL / 143% EUR. These are security coverage ratios, not financing percentages. Source ↗
- Commercial collateral and land
- Commercial property: 165% loan coverage; land: 200%. The bank values and approves the property. Source ↗
- Fee and initial costs
- Administration 1% payroll, 1.25% other customers, 0% refinancing. The PDF lists valuation EUR 65–150 and notarization ALL 5,000–18,000; confirm the current quote. Source ↗
- Insurance and account
- Life and property insurance required; premiums recur periodically. The linked account is charged under the current tariff. Source ↗
- Early repayment
- 2% with over 1 year remaining; 1% with at most 1 year. The old illustration’s APR is not presented as a current offer. Source ↗
Benefits and limitations
✓ Up to 30 years
✓ ALL or EUR
Amount limits and collateral coverage depend on segment, currency and property type.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | In ALL, year one is 3.5% for both profiles; payroll then uses T-bills + 1.6% versus + 2.2%, with the same 4% floor. EUR has the same published formula for both profiles. The ALL benefit is in the follow-on margin. |
| Maximum term (months) | 360 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | Administrim / Administration: 1% pagamarrës / payroll; 1.25% të tjerë / others; rifinancim / refinancing 0% |
| Collateral | Hipotekë sipas llojit të pronës / Mortgage depending on property type |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLMASS | 500,000 – 30,000,000 | —–360 | See nominal interest aboveSegment limit; the bank determines segment and repayment capacity. |
| ALLAffluent | 500,000 – 50,000,000 | —–360 | See nominal interest aboveSegment limit; the bank determines segment and repayment capacity. |
| ALLPremium | 500,000 – 100,000,000 | —–360 | See nominal interest aboveSegment limit; the bank determines segment and repayment capacity. |
| EURMASS | 5,000 – 300,000 | —–360 | See nominal interest aboveSegment limit; the bank determines segment and repayment capacity. |
| EURAffluent | 5,000 – 500,000 | —–360 | See nominal interest aboveSegment limit; the bank determines segment and repayment capacity. |
| EURPremium | 5,000 – 1,000,000 | —–360 | See nominal interest aboveSegment limit; the bank determines segment and repayment capacity. |
Official sources and supporting terms
Product page on the bank’s website ↗
Info_parakont_Blerje_Ndertim_Shtepie ↗Reviewed pages: 2, 3, 4, 5