LOAN CONDITIONS:

  • Interest Rate Starting from 3.50%* p.a.
  • Administrative Expenses 0.50%
  • Effective interest rate starting from 3.77%
  • Loan maturity up to 180 months
  • Maximum loan amount 500,000 EUR

REQUIRED DOCUMENTS:

  • Personal ID or passport for all loan related parties
  • Employment contract
  • Family income proof
  • Business registration certificate for the self-employed
  • Purchase contract or construction work list
  • The bank reserves the right to ask for additional documents based on client’s activity

EXAMPLES AND EXPLANATIONS:

Housing loan  EUR 50,000  EUR 100,000  EUR 500,000
Variable interest rate* 3.50% 3.50% 3.50%
Effective interest rate 3.77% 3.71% 3.63%
Maturity 60 84 180
Monthly installment 909.72 € 1,344.19 € 3,575.28 €
Administrative expenses* 0.50% 0.50% 0.50%
Total amount of loan that has to be paid until maturity 54,582.93 € 112,912.15 € 643,550.01 €

* Variable interest rate means the interest rate expressed as a variable percentage applied on an annual basis to the approved loan amount.

* Total cost does not include notarial costs, insurance, property valuation and municipality expenses.

*The Interest Rate is offered in cooperation with certain Construction Companies. To find out which companies are affiliated with BKT in this offer, please visit the nearest BKT branch, contact us via 038666666 or write to ks-customerservice@bkt.com.al

 

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