LOAN TERMS:
- Maximum loan amount: 100,000 EUR
- Loan maturity: 180 months
- Client participation: 20% (minimum 5.000EUR)
- Administrative fee: 1%
INTEREST RATE:
BKT Salary Receivers:
- Interest rate starting from 3.69%
- Effective interest rate starting from 3.90%
Rent receivers through Bank and Self-employed:
- Interest rate starting from 4.99%
- Effective interest rate starting from 5.26%
For Emigrants:
- Interest rate starting from 6.00%
- Effective interest rate starting from 6.40%
EXAMPLES AND EXPLANANTION:
| Home Loans | 100,000 € | 100,000 € |
| Variable interest rate* | 3.69% | 6.00% |
| Effective interest rate | 3.90% | 6.40% |
| loan maturity | 180 muaj | 120 muaj |
| Monthly installment | 724.43 € | 1,110.56 € |
| Administrative fee | 1.00% | 1.00% |
| Total loan amount to be repaid by the end of the contractual term* | 130,398.03 € | 133,267.29 € |
*Variable interest rate means the interest rate expressed as a variable percentage applied on an annual basis to the approved loan amount.
*The total cost does not include notary costs, insurance, property valuation and utility costs
