Non-residential spaces Mortgage Loan

Choose the amount that you need, the tenor and all the other details to achieve the most suitable conditions for you.
*The loan calculator is used to calculate the approximate monthly installment only based on the inserted data and you can change the inputs to match your finance needs. The information on the calculator below may not be totally updated. For more information contact our nearest branch to you.

Additional payments regarding this mortgage

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

Mortgage loan for real estate purchase

• Currency: EUR
• Tenor: 360 months
• Amount: EUR 150,000 
• Administration fee: Eur 1,125 (0.75% of the loan amount; Min. EUR 200)
• Interest rate: 1.9% for 1st year or 4% for 1st 3 years; 1Y Euribor + 3.7%, MIR 3.7% for remaining years

The Effective interest rate is 7.80%,  assuming an Interest rate 1.9% for the 1st year; and 7.4% for the remaining years (1Y Euribor + 3.7%, MIR 3.7%, assuming  that the applied 1Y Euribor will be 3.7%)

Mortgage loan for real estate purchase

• Currency: ALL
• Tenor: 360 months
• Amount: ALL 16,000,000
• Administration fee: 120,000 LEK (0.75% of the loan amount; Min. ALL 30,000)
• Interest rate: 3% for 1st year or 3.7% for 1st 2 years or 4.5% for 1st 3 years; then
• Treasury Bill 1 year + 1.7%; Minimum interest rate (MIR)  3.8%

The Effective interest rate is 5.48%, assuming an Interest rate of 3% for the 1st year; and 5.48% for the remaining years (Treasury Bill 1 year + 1.7%, MIR 3.8%, assuming that the applied Treasury Bill rate will be 3.6%).