Loan Terms:

  • Maximum loan amount 100,000 EUR
  • Loan maturity 180 muaj
  • Client participation 20% (minimum 10.000EUR)
  • Administrative fee 1.00%

Interest Rate:

Salary in BKT:

  • Interest rate starting from 3.69%
  • Effective interest rate starting from 3.90%

Rent receivers through Bank and business owners:

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

Për Bashkëatdhetar:

  • Interest rate starting from 6%·
  • Effective interest rate starting from 6.40%



Home loansEUR 50,000EUR 50,000
Variable interest rate*3.69%6.69%
Effective interest rate3.90%7.14%
Loan Maturity180120
Monthly instalments362.22572.79
Administrative fee1.00%1.00%
Total loan amount to be repaid by the end of the contractual term*          65,198.86€68,734.23€

*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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