Refinance your mortgage loan
Benefits
Very transparent offer
Up to 30 years
Fast response
In case your monthly home loan installment is too high, you can choose to transfer the home mortgage loan to Intesa Sanpaolo Bank Albania.
By transferring your mortgage loan from your current bank to Intesa Sanpaolo Bank Albania, you have the opportunity to pay lower interest. With the rest of the money, you can invest to meet your needs or desires.
- Finance Up to 70%
- Administration Fee 0.5% (for cases where the purpose of refinancing is for the purchase of residential real estate/ construction of residential real estate)
- Prepaid Comission FREE
|
Interest Rates in LEK |
Interest Rates in EUR |
|---|---|
|
2.5% first year |
1.9% first year |
|
3% first two years |
2.5% first two years |
|
4% first three years |
3% first three years |
|
BTH 1V + 1.5%, NMI 3.8 % the other years |
Euribor 1V + 3.7%, NMI 3.7 % the other years |
Refinancing mortgage loan
- Currency: EUR
- Tenor: 360 months
- Amount: EUR 100,000
- Administration fee: Eur 500 (0.5% of the loan amount; Min. EUR 100)
- Interest rate: 1.9% for 1st year or 2.5% for 1st 2 years or 3% for 1st 3 years;
- EURIBOR 1 year + 3.7%; Minimum interest rate 4%
The Effective interest rate is 7.77%, assuming an Interest rate of 1.9% for the 1st year; and 7.7% for the remaining years (EURIBOR 1 year + 4%, Minimum Interest Rate 4%, assuming that the applied EURIBOR 1 year rate will be 3.7%).
Refinancing mortgage loan
- Currency: ALL
- Tenor: 360 months
- Amount: ALL 10,000,000
- Administration fee: 50,000 LEK (0.5% of the loan amount; Min. ALL 30,000)
- Interest rate: 2.5% for 1st year or 3% for 1st 2 years or 4% for 1st 3 years;
- 1Y T-Bill + 1.5%, MIR 3.8% for remaining years
The Effective interest rate is 5.33%, assuming an Interest rate of 2.5% for the 1st year; and 5.1% for the remaining years (Treasury Bill 1 year + 1.5%, Minimum Interest Rate 3.8%, assuming that the applied Treasury Bill 1 year rate will be 3.6%).
