
Real Estate Loan
Nowhere like home…
Real Estate Loan provide you with the following benefits: Land, Shops and Offices. The loan for real estate is valid for all residents in Albania, permanent or temporary employees in companies, sailors, entrepreneurs (who operate at least one year) as well as for clients with other verifiable income.
The following documents are required for the principal borrower and for the co-borrower.
ALL: 2.9% fixed for the first year;
ALL: 3.7% fixed for the first 2 years;
EUR: 1.9% fixed for the first year;
After
Income from Wages/Rent: T.B 12M+1.75% (min.4.25%) / Euribor 12M+3.5%(min. 4.75%)
Other income: T.B 12M+1.95% (min. 4.45%) / Euribor 12M+3.7%(min. 4.95%)
* The bank reserves the right to request additional documents if it deems necessary.
Here you can download the pre-contractual information for real estate loan.
The following documents are required for the principal borrower and for the co-borrower.
ALL: 3.5% fixed for the first 2 years; Other years Treasury Bills + 1.50%, Min 4.0%;
ALL: 4% fixed for the first 3 years; Other years Treasury Bills + 1.50%, Min 4.0%;
EUR: 1.9% fixed for the first year; Other years Libor (EUR) + 3.75%, Min 4.0%;
EUR: 2.5% fixed for the first 2 years; Other years Libor (EUR) + 3.75%, Min 4.0%;
EUR: 3.0% fixed for the first 3 years; Other years Libor (EUR) + 3.75%, Min 4.0%;
EUR: 3.75% fixed for the first 5 years; Other years Libor (EUR) + 3.75%, Min 4.0%;
USD: 7.5% fixed for the first year; Other years Libor (USD) + 4.5%, Min 7.5%;
* The bank reserves the right to request additional documents if it deems necessary.