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08006000 (Free from Albtelecom & Eagle)
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All Purpose

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General terms for "All Purpose Mortgage Loan"
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Purpose  

 

Any purpose different from the purchase of an imovable property.

 

Bank Participation  

 

Not more than 50% of collateral value

 

Currency  

 

ALL/ EUR

 

Amount  

 

Min: ALL 1,000,000/ EUR 10,000

 

Max: ALL 6,000,000/ EUR 50,000

 

Tenor  

 

Up to 20 years

 

Payment mode  

 

Fixed monthly installments (principal + interest)

 

poster mortgage wl 1

 

Interest rate (on annual basis)

 

LEK – 3.3% for 1st year or 3.7% for 1st 2 years or 4% for 1st 3 years;
             1Y TBill + 1.5%, MIR 4% for remaining years

 

EUR – 3% for 1st year or 3.2% for 1st 3 years;
             1Y Euribor + 3.7%, MIR 4%  for remaining years

 

Collateral

 

Collateral type  

Residential real estate/ other real estate

 

Loan to value (collateral)  

Up to 50% of collateral value

 

Commissions for all purpose mortgage loan

 

Administration Fee

0.75 % of the loan amount

Min LEK 30,000/EUR 200

 

Amendment of contract 

ALL 21,000/ EUR 150 for each amendment

 

Additional Payments:

1. The notarization of the contracts
2. Life insurance (renewable each year for the outstanding loan amount)
3. Property insurance (for the entire loan period)
4. The evaluation of property by a licensed expert.
5. Maintenance of the current account (as per T&C in force)
6. Expenses in the Registration Office of Immovable Properties

 

Prepayment Fee

0.5% of the prepaid loan amount if the period till the maturity date is less than 1 year

1% of the prepaid loan amount if the period till the maturity date is more than 1 year  

 

 

CALL CENTER
8006000 (Fee from Albtelecom & Eagle)
TEL: +355 4 22 76 000
CEL: +355 69 20 80 903
info@intesasanpaolobank.al

 

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