Loan Terms:

  • Maximum loan amount: 100.000EUR
  • Loan maturity: 180 months / for diaspora 120 months
  • Client participation 20% – minimum 5.000€
  • Administrative fee 1%
  • Apartment bought can be left as mortgage

Interest rate for buying an apartment:

For all professionals (doctors, lawyers, notary) and for BKT salary receivers:

  • Interest rate starting from 3.49%
  • Effective interest rate starting from 3.70%

For rent receivers through the bank:

  • Interest rate starting from 5.49%
  • Effective interest rate starting from 5.79%

For diaspora:

  • Interest rate starting from 6.00%
  • Effective interest rate starting from 6.40%

 Required documentation

  • Copy of valid ID or passport
  • Work contract
  • Business certificate and status of ATK for costumers with business income
  • Administrative fee (if the client receives the salary through BKT)
  • Lease contract
  • Account balance (minimum for the last 6 months)
  • Public invoice
  • Sale and purchase contract



Home loan50,000 €50,000 €50,000 €
Variable interest rate*3.49%5.49%6.00%
Effective interest rate3.70%5.79%6.40%
Loan Maturity180180120
Monthly payment357.28 €408.43€555.28€
Administrative fee1%1%1%
Total amount of loan to be repaid by the end of contractual term*64.310.76 €73,516.56 €




*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.

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+383 38 666 666

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