LOAN TERMS:
- Maximum loan amount: 100.000EUR
- Loan maturity: 180 months / for diaspora 120 months
- Client participation: 20%
- Administrative fee: 1%
- The apartment bought can be used as mortgage
INTEREST RATE:
For all professionals (doctor, lawyer, and notary):
- Interest rate starting from 3.29%
- Effective interest rate starting from 3.49%
For BKT Salary receivers:
- Interest rate starting from 3.49%
- Effective interest rate starting from 3.70%
For Rent receivers thorough Bank:
- Interest rate starting from 5.79%
- Effective interest rate starting from 6.11%
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
EXAMPLES AND EXPLANANTION:
| Home loan | EUR 50,000 | EUR 50,000 | EUR 50,000 | EUR 50,000
|
| Variable interest rate* | 3.29% | 3.49% | 5.79% | 6.00% |
| Effective interest rate | 3.49% | 3.70% | 6.11% | 6.40% |
| Loan Maturity | 180 | 180 | 180 | 120
|
| Monthly payment | 352.39 € | 357.28 € | 416.44 € | 555.28 €
|
| Administrative fee | 1% | 1% | 1% | 1%
|
| Total amount of loan to be repaid by the end of the contractual terms* | 63,429.79 € | 64,310.76 €
|
74,952.45 €
|
66,633.65€
|
*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.
*Client participation: 3,000 EUR in maximum amount from 45,000 EUR, valid for BKT Salary Receivers and professionals (doctor, lawyer, and notary) – for projects in Fushë Kosovë, Ferizaj, Suharekë, Lipjan dhe Prizren.
*For projects in Prishtina participation is 20% for all clients categories.
