Youth mortgage loan

Main benefits

100% financing

Financing up to 100%

Tenor of financing

Up to 30 years for financing

Fixed interest rate

Fixed interest rate for the entire loan duration

First year

For the first year you can pay only the interest

Your house, your rules!

Imagine a home customized to your liking! A warm and relaxing environment, furnished according to your taste and with unique details created by your personal touch.

Loans for young people who can buy their first home at a very favorable price.

A loan that can be customized for you.

With a fixed interest rate or variable interest rate, financing up to 100% of the home's value with a term of up to 30 and easy terms for the payments of this time during the first 3 years, buying your first home becomes even easier.

What makes this loan special?

Interest rate

Fixed interest rate 5.5% or variable interest rate starting from 1.9% in EUR and 3% in ALL

Monthly installments

The first year you can choose to pay only the interest rate and for the first 2 years you can choose easy monthly installments

Financing

Up to 100% financing and tenor up to 30 years

Who can get it?

All young people between the ages of 20 and 35 who have monthly income channeled through the banking system can apply for the home loan for young people.

Fixed interest financing

Interest rate 5.5% for the entire period
Maximum term 25 years
Minimum funding amount 1,000,000 ALL or 10,000 EUR
Maximum funding amount 16,000,000 ALL or 150,000 EUR

Variable interest financing

Interest rate Starting from 3% in ALL and 1.9% in EUR
Maximum tenor 30 years
Minimum tenor 1,000,000 ALL or 10,000 EUR
Maximum funding amount 16,000,000 ALL or 150,000 EUR

Variable interest rates

Interest Rate (on an annual basis)
in ALL

3% for the first year or

3.7% for the first 2 years or

4.5% for the first 3 years or

4.7% for the first 5 years;

BTH 1Y + 1.7%, NMI 3.8 % for other years

Interest Rate (on an annual basis)
in EUR

1.9% for the first year or

4% for the first 3 years or

4.5% for the first 5 years;

1Y Euribor + 3.7%, NMI 3.7% for other years

Effective interest rate

Mortgage loan for young people
"Currency: EUR
Tenor: 360 months
Amount: EUR 150,000
Administration fee: 0.35% of the loan amount; Min. EUR 100
Interest rate: 5.5% during all loan duration
Effective interest rate: 5.88%

Mortgage loan for young people
"Currency: ALL
Tenor: 360 months
Amount: ALL 16,000,000
Administration fee: 0.35% of the loan amount; Min. ALL 15,000
Interest rate: 5.5% during all loan duration
Effective interest rate: 6.35%

This example is illustrative."

Main benefits

100% financing

Tenor of financing

Fixed interest rate

First year

Your house, your rules!

Who can get it?

Variable interest rates

3% for the first year or

3.7% for the first 2 years or

4.5% for the first 3 years or

4.7% for the first 5 years;

BTH 1Y + 1.7%, NMI 3.8 % for other years

1.9% for the first year or

4% for the first 3 years or

4.5% for the first 5 years;

1Y Euribor + 3.7%, NMI 3.7% for other years

Effective interest rate

Notifications

Intesa Sanpaolo

Legal information

Information

Intesa Sanpaolo Bank Albania

Accessibility

Youth mortgage loan

Main benefits

100% financing

Tenor of financing

Fixed interest rate

First year

Your house, your rules!

Who can get it?

Variable interest rates

3% for the first year or

3.7% for the first 2 years or

4.5% for the first 3 years or

4.7% for the first 5 years;

BTH 1Y + 1.7%, NMI 3.8 % for other years

1.9% for the first year or

4% for the first 3 years or

4.5% for the first 5 years;

1Y Euribor + 3.7%, NMI 3.7% for other years

Effective interest rate

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