Mortgage financing in ALL and EUR, with profit rates based on currency and payroll profile, up to 25 years.
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →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.
UBA publishes lower profit rates for customers receiving salary at UBA, in ALL and EUR. The first two years, subsequent margin and floor differ.
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 ↗Then: BTH 12M + 2.5%, min 5.5%
UBA calls this a profit rate. After two years the benchmark, margin and corresponding floor apply.
Official terms ↗Then: BTH 12M + 3%, min 6.5%
UBA calls this a profit rate. After two years the benchmark, margin and corresponding floor apply.
Official terms ↗Then: Euribor 12M + 3%, min 5%
UBA calls this a profit rate. After two years the benchmark, margin and corresponding floor apply.
Official terms ↗Then: Euribor 12M + 3.5%, min 6%
UBA calls this a profit rate. After two years the benchmark, margin and corresponding floor apply.
Official terms ↗Over 21, with regular declared salary or rental income and acceptable property security.
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 →
The page publishes 6.4% without an example amount, currency or term. It cannot be tied to an individual scenario or directly compared with complete examples.
Bank’s example ↗✓ Up to 25 years
✓ Up to ALL 50 million equivalent
The page and form give different amount and financing limits; request confirmation. The 6.4% APR has no currency or example inputs, so ALL/EUR APR remains unconfirmed.
Rate depends on currency and profile. Initial fixed pricing is not a full-term rate.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | UBA publishes lower profit rates for customers receiving salary at UBA, in ALL and EUR. The first two years, subsequent margin and floor differ. |
| Maximum term (months) | 300 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed · see examples and conditions |
| Fees | Administrim / Administration: 1%; transferim / refinancing: 0% |
| Collateral | Pronë me mbulim sipas kushteve të bankës / Property coverage subject to bank terms |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLMortgage financing | — – Confirm amount with bank | —–300 | See nominal interest aboveThe advertised limit is ALL 50 million or EUR equivalent, but the form has lower limits; request confirmation. |
| EURMortgage financing | — – Confirm amount with bank | —–300 | See nominal interest aboveThe advertised limit is ALL 50 million or EUR equivalent, but the form has lower limits; request confirmation. |
