Home Loan
Home-purchase loan with an introductory rate for the first two years.
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
Not published in USD. Published currencies: LEK, EUR. Change your choices to calculate a payment within the bank’s published limits.
Edit your choices →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.
USD
Nominal rate unconfirmed. Request pricing for this currency from the bank.
Employment, income & eligibility
Income covering the loan term, acceptable property collateral and property/life insurance under bank terms.
- Income, collateral and insurance
- Maximum term depends on how long the income continues. For apartments: up to 80% of market value in ALL or 75% in EUR. Annual property and life insurance is required for the outstanding balance. Source ↗
- Co-borrower
- The product page offers the loan without a co-borrower; approval depends on repayment capacity and security. 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 →
- USD
- Not confirmed
The reviewed bank examples are in another currency.
Repayment, costs & documents
- Amount and term
- Up to ALL 60 million / EUR 500,000; term 5–25 years depending on continuing income. Confirm the minimum amount. Source ↗
- Financing by property
- Apartment: up to 80% ALL / 75% EUR of market value. Commercial premises or house with land: 70%; land plot: 60%; agricultural land: 45%. Source ↗
- Administration fee
- 1% of the loan amount; 0% when refinancing another bank. Source ↗
- Insurance
- Annual life and property insurance for 100% of the outstanding balance; premiums add to financing costs. Source ↗
- Early repayment
- 2% with over 1 year remaining; 1% with under 1 year, with confirmation at exactly 1 year. Partial prepayment must equal at least 6 instalments. Source ↗
Benefits and limitations
✓ 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% |
Amounts, terms and pricing by currency
| 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. |
Official sources and supporting terms
Product page on the bank’s website ↗
Kredi për shtëpi – Gusht 2026 ↗Reviewed pages: 1