Product Description
The mortgage loan dedicated to citizens of the Republic of Kosovo aims to support the personal and professional needs of this customer segment for the purchase of real estate properties within the territory of the Republic of Albania. The product is accessible both to Kosovo citizens who are residing and employed in Albania, as well as those who live and work in Kosovo, offering tailored financing opportunities for both groups.This product aims to cover widele the customer’s most important needs such as:
- Purchase of residential properties for individual use and long‑term stay
- Purchase of professional premises by self‑employed individuals such as doctors, dentists, pharmacists, lawyers, and other professionals who intend to develop their activity in a property they own
- Purchase of units for investment purposes, including properties intended for rental by individuals who generate stable employment income
General Information
Second-level banks generally use the 1-year Treasury Bill rate as the base rate for calculating interest on loans in Lek, while for loans in Euro they use the 1-year Euribor rate.“Treasury Bill” – is a negotiable debt instrument with a maturity of up to one year, issued and guaranteed by the Government of the Republic of Albania. Treasury Bills are issued in the national currency (Lek) and have maturities of 3, 6, and 12 months. Auction results for Treasury Bills are announced on the same day of the auction and published on the Bank of Albania’s website:
www.bankofalbania.org
“Euribor, or Euro Interbank Offered Rate” – is a reference rate published by the European Money Markets Institute, based on the average interest rates at which Eurozone banks offer to lend funds to other banks in the interbank market. Information on Euribor rates is published at:
https://www.euribor-rates.eu/ecb-refinancing-rate.asp
Example:
1-year Treasury Bill rate on 31.10.2025: 2.5%
1-year Euribor rate on 31.10.2025: 2.19%
Terms and Conditions
In ALL Currency:
| Mortgage Loan | Interest Rate | Financing Criteria (Loan Amount/ Investment Amount) |
LTV (Loan Amount/OMV) |
|---|---|---|---|
| Home Loan | Standard Customers 3.5% fixed for the first year, then 1-year T-Bill+ 2.5%, not less than 3.5% (changing each 12 months) |
Up to 70% |
Up to 70% |
| Shop Loan | Standard Customers 4% fixed for the first year then 1Y T-Bill + 3% not less than 4% (changing each 12 months) |
In Euro Currency:
| Mortgage Loan | Interest Rate | Financing Criteria (Loan Amount/ Investment Amount) |
LTV (Loan Amount/OMV) |
|---|---|---|---|
| Home Loan | Standard Customers 3.5% fixed for the first year, then 1-year Euribor + 3%, not less than 4% (changing each 12 months) |
Up to 65% |
Up to 65% |
| Shop Loan | Standard Customers 4% fixed for the first year then 1Y Euribor + 3.5% not less than 4.5% (changing each 12 months) |
Loan Term |
Up to 20 Years |
| Minimum loan amount Maximum loan amount |
From ALL 500,000/ 5000 EUR Up to 50,000,000 ALL / 500,000 Euro |
| Suretyship | Surety in Albania not more than 60 years old in the moment of loan approval. |
| Disbursement Commission | 1% of loan amount 0% for loan purchase in other banks in Albania |
If the client is up to 45 years old, the interest rate will be 0.5% higher.
If the client is over 45 years old, the interest rate will be 1% higher.
Please download the relevant documentation for Mortgage Loan for Kosovo Citizens.
Please download the Standardized Pre-contractual Information
Caution! Getting a loan has costs. Be well informed before you decide.