Home-purchase loan with an introductory rate for the first two 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.
Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
Then: BTH 12M + 3.3%, min 4.6%
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Then: Euribor 12M + 3.4%, min 4.5%
The bank confirms the final rate based on your profile and the product terms.
Official terms ↗Income covering the loan term, acceptable property collateral and property/life insurance under bank terms.
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 August 2026 PDF prints a EUR 263.49 payment and EUR 12,428 total interest; these do not reconcile arithmetically over 180 payments. APR 5.03% is the published value, not recalculated; request an accurate personal repayment schedule.
The source has discrepancies recorded in the example conditions. It is excluded from lowest-APR comparisons.
Bank’s example · page 1 ↗✓ Up to 25 years
✓ Up to EUR 500,000 equivalent
5.03% APR is the bank’s EUR example. Instalment and total interest in the document do not fully reconcile; request a corrected schedule. ALL APR remains unconfirmed.
First two years: from 4% EUR or 4.2% ALL, then variable. Collateral required.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer. |
| Minimum term (months) | 60 |
| Maximum term (months) | 300 |
| Published APR (%) | ALL: Not confirmed EUR: 5.03% · see examples and conditions |
| Fees | Administrim / Administration: 1%; transferim / refinancing: 0% |
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLHome loan | — – 60,000,000 | 60–300 | See nominal interest aboveThe minimum amount is not published. Term depends on the duration of income. |
| EURHome loan | — – 500,000 | 60–300 | See nominal interest aboveThe minimum amount is not published. Term depends on the duration of income. |
Product page on the bank’s website ↗
Kredi për shtëpi – Gusht 2026 ↗Reviewed pages: 1
