Home Loan

ProCredit Bank supports you at every stage of purchasing your home with flexible loans tailored to your needs.
Choose the amount and the repayment period that suit you best, and we’ll take care of the rest.

Benefits:

• Financing up to 10,000,000 ALL / 100,000 EUR
• Competitive interest rates in ALL and EUR
• Repayment period of up to 25 years

1. For clients who receive their salary at ProCredit Bank (Flex – 300 months)

• ALL: 12M T-Bill + 3%, min. 5%
• EUR: 12M Euribor + 3%, min. 5%

Illustrative example for the amount of 10,000,000 ALL / 100,000 EUR:
ALL:

• Loan amount: 10,000,000 ALL
• Interest rate: 5.45% (12M T-Bill + 3%, min. 5%)
• Monthly installment: 61,111 ALL
• Loan term: 25 years
• Disbursement fee: 0.9%                                                             
• Life insurance: 24,044 ALL
• Effective interest rate: 6.03%

EUR:

• Loan amount: 100,000 EUR                                                                 
• Interest rate: 5.25% (12M Euribor + 3%, min. 5%)
• Monthly installment: 599 EUR                                                                 
• Loan term: 25 vite                                                                         
• Disbursement fee: 0.9%                                                             
• Life insurance: 240 EUR                                                                 
• Effective interest rate: 5.82%

1. a) For clients who receive their salary at ProCredit Bank (Fix&Flex – 300 months)
3.9% in the first year, thereafter:

• ALL: 12M T-Bill + 3.5%, min. 5%
• EUR: 12M Euribor + 4%, min. 5%                              

Illustrative example for the amount of 10,000,000 ALL / 100,000 EUR (Fix&Flex - 300 months):
ALL:
First year:

• Loan amount: 10,000,000 ALL
• Interest rate: 3.9% 
• Monthly installment: 52,233 ALL
• Loan term: 25 years
• Disbursement fee: 0.9%                                                             
• Life insurance: 24,044 ALL
• Effective interest rate: 4.44%

After the first year:

• Loan amount: 9,758,924 ALL
• Interest rate: 5.95% (12M T-Bill + 3.5%, min. 5%)
• Monthly installment: 63,722 ALL
• Loan term: 24 years
• Disbursement fee: 0%                                                             
• Life insurance: 23,465 ALL
• Effective interest rate: 6.65%

EUR:
First year:

• Loan amount: 100,000 EUR
• Interest rate: 3.9%
• Monthly installment: 522 EUR
• Loan term: 25 years
• Disbursement fee: 0.9%                                                             
• Life insurance: 240 EUR
• Effective interest rate: 4.44 %

After the first year:

• Loan amount: 97,589 EUR
• Interest rate: 6.25% (12M Euribor + 4%, min. 5%)
• Monthly installment: 655 EUR
• Loan term: 24 years
• Disbursement fee: 0%                                                             
• Life insurance: 235 EUR
• Effective interest rate: 6.76 %

2. For clients who do not receive their salary at ProCredit Bank, with income from rent/business (Flex – 300 months):

• ALL: 12M T-Bill + 4%, min. 5.5%
• EUR: 12M Euribor + 4%, min. 5.5%                

Illustrative example for the amount of 10,000,000 ALL / 100,000 EUR:
ALL:

• Loan amount:10,000,000 ALL
• Interest rate: 6.45% (12M T-Bill + 4%, min. 5.5%)
• Monthly installment: 67,209 ALL
• Loan term: 25 years
• Disbursement fee: 1%                                                             
• Life insurance: 24,044 ALL
• Effective interest rate: 7.08%

EUR:

• Loan amount: 100,000 EUR
• Interest rate: 6.25% (12M Euribor + 4%, min. 5.5%)
• Monthly installment: 660 EUR
• Loan term: 25 years
• Disbursement fee: 1%                                                             
• Life insurance: 240 EUR
• Effective interest rate: 5.87%

2. a) For clients who do not receive their salary at ProCredit Bank, with income from rent/business (Fix&Flex - 300 months):
4% in the first year, thereafter: 

• ALL: 12M T-Bill + 4.5%, min. 5.5%
• EUR: 12M Euribor + 4.5%, min. 5.5%                              

Illustrative example for the amount of 10,000,000 ALL / 100,000 EUR:
ALL:
First year:

• Loan amount: 10,000,000 ALL
• Interest rate: 4% 
• Monthly installment: 52,784 ALL
• Loan term: 25 years
• Disbursement fee: 1%                                                             
• Life insurance: 24,044 ALL
• Effective interest rate: 4.55%

After the first year:

• Loan amount: 9,762,269 ALL
• Interest rate: 6.95% (12M T-Bill + 4.5%, min. 5.5%)
• Monthly installment: 69,762 ALL
• Loan term: 24 years
• Disbursement fee: 0%                                                             
• Life insurance: 23,465 ALL
• Effective interest rate: 7.49%

EUR:
First year:

• Loan amount: 100,000 EUR
• Interest rate: 4%
• Monthly installment: 528 EUR
• Loan term: 25 years
• Disbursement fee: 1%                                                             
• Life insurance: 240 EUR
• Effective interest rate: 4.54%

After the first year:

• Loan amount: 97,589 EUR
• Interest rate: 6.75% (12M Euribor + 4.5%, min. 5.5%)
• Monthly installment: 685 EUR
• Loan term: 24 years
• Disbursement fee: 0%                                                             
• Life insurance: 235 EUR
• Effective interest rate: 7.46%

3. Loans for Emigrants

• Interest rates:
  • ALL: 12M T-Bill + 5%, min. 6%
  • EUR: 12M Euribor + 5%, min. 6%     
• Maximum loan term: 15 years
• Maximum loan amount: 250,000 EUR
• Disbursement fee: 1.5% of the loan amount
• Collateral coverage: 100% of the loan value                         

Illustrative example for the amount of 10,000,000 ALL / 100,000 EUR:
ALL:

• Loan amount: 10,000,000 ALL
• Interest rate: 7.45% (12M T-Bill + 5%, min. 6%)
• Monthly installment: 92,417 ALL
• Loan term: 15 years
• Disbursement fee: 1.5%
• Life insurance: 24,044 ALL
• Effective interest rate: 8.33%

EUR:

• Loan amount: 100,000 EUR
• Interest rate: 7.25% (12M Euribor + 5%, min. 6%)
• Monthly installment: 913 EUR
• Loan term: 15 years
• Disbursement fee: 1.5%                                                             
• Life insurance: 240 EUR
• Effective interest rate: 8.11%

Agreements with construction companies for home loans
Agreement with Arkon Studio:

Salary earners at ProCredit Bank:
1,9% (fixed for the first three years), thereafter:

•  ALL: 12M T-Bill + 3,5%, min. 5,5%
•  EUR: 12M Euribor + 3,5%, min. 5,5%                              

Illustrative example for the amount of 10,000,000 ALL:
ALL:
The first three years: 

• Loan amount: 10,000,000 ALL
• Interest rate: 1,9% (fixed for the first three years)                
• Monthly installment: 41,900 ALL
• Loan term: 25 years
• Disbursement fee: 1,5%                                                             
• Life insurance: 24,000 ALL
• Effective interest rate: 2,49% 

After the first three years:   

• Loan amount: 9,035,115 ALL
• Interest rate: 5,95% (12M T-Bill + 3,5%, min. 5,5%)                
• Monthly installment: 61,450 ALL
• Loan term: 22 years
• Disbursement fee: 0%                                                             
• Life insurance: 21,724 ALL
• Effective interest rate: 6,51% 

Illustrative example for the amount of 100,000 EUR:
EUR:
The first three years: 

• Loan amount: 100,000 EUR
• Interest rate: 1,9% (fixed for the first three years)                
• Monthly installment: 419 EUR
• Loan term: 25 years
• Disbursement fee: 1,5%                                                             
• Life insurance: 240 EUR
• Effective interest rate: 2,49%

After the first three years:

• Loan amount: 90,351 EUR
• Interest rate: 5,95% (12M Euribor + 3,5%, min. 5,5%)
• Monthly installment: 614.5 EUR
• Loan term: 25 years
• Disbursement fee: 0%                                                             
• Life insurance: 240 EUR
• Effective interest rate: 6,51%

For clients who do not receive their salary at ProCredit Bank:
1,9% (fixed for the first three years), thereafter:

•  ALL: 12M T-Bill + 4,5%, min. 5,5%
•  EUR: 12M Euribor + 4,5%, min. 5,5%                              

Illustrative example for the amount of 10,000,000 ALL:
ALL:
The first three years: 

• Loan amount: 10,000,000 ALL
• Interest rate: 1,9% (fixed for the first three years)                
• Monthly installment: 41,900 ALL
• Loan term: 25 years
• Disbursement fee: 2%                                                             
• Life insurance: 24,000 ALL
• Effective interest rate: 2,54% 

After the first three years:   

• Loan amount: 9,035,115 ALL
• Interest rate: 6,95% (12M T-Bill + 4,5%, min. 5,5%)                
• Monthly installment: 66,891 ALL
• Loan term: 22 years
• Disbursement fee: 0%                                                             
• Life insurance: 21,724 ALL
• Effective interest rate: 7,56%

Illustrative example for the amount of 100,000 EUR:
EUR:
The first three years: 

• Loan amount: 100,000 EUR
• Interest rate: 1,9% (fixed for the first three years)                
• Monthly installment: 419 EUR
• Loan term: 25 years
• Disbursement fee: 2%                                                             
• Life insurance: 240 EUR
• Effective interest rate: 2,54%

After the first three years:

• Loan amount: 90,351 EUR
• Interest rate: 6,75% (12M Euribor + 4,5%, min. 5,5%)
• Monthly installment: 658 EUR
• Loan term: 22 years
• Disbursement fee: 0%                                                             
• Life insurance: 217 EUR
• Effective interest rate: 7,34%

For Emigrants:
1,9% (fixed for the first three years), thereafter:

•  ALL: 12M T-Bill + 5,5%, min. 6%
•  EUR: 12M Euribor + 5,5%, min. 6%

Illustrative example for the amount of 10,000,000 ALL:
ALL:
The first three years: 

• Loan amount: 10,000,000 ALL
• Interest rate: 1,9% (fixed for the first three years)                
• Monthly installment: 64,000 ALL
• Loan term: 15 years
• Disbursement fee: 2%                                                             
• Life insurance: 24,000 ALL
• Effective interest rate: 2,7% 

After the first three years:   

• Loan amount: 8,221,099 ALL
• Interest rate: 7,95% (12M T-Bill + 5,5%, min. 6%)                
• Monthly installment: 88,764 ALL
• Loan term: 12 years
• Disbursement fee: 0%                                                             
• Life insurance: 19,767 ALL
• Effective interest rate: 8,7%

Illustrative example for the amount of 100,000 EUR:
EUR:
The first three years: 

• Loan amount: 100,000 EUR
• Interest rate: 1,9% (fixed for the first three years)                
• Monthly installment: 639 EUR
• Loan term: 15 years
• Disbursement fee: 2%                                                             
• Life insurance: 240 EUR
• Effective interest rate: 2,7%

After the first three years:

• Loan amount: 82,210 EUR
• Interest rate: 7,75% (12M Euribor + 5,5%, min. 6%)
• Monthly installment: 888 EUR
• Loan term: 12 years
• Disbursement fee: 0%                                                             
• Life insurance: 198 EUR
• Effective interest rate: 8,7%

Agreement with Fundway:

Illustrative example for the amount of 10,000,000 ALL:
For clients who receive their salary at ProCredit Bank:
5,5% (fixed for the first three years), thereafter:

•  ALL: 12M T-Bill + 3,5%, min. 5,5%
•  EUR: 12M Euribor + 3,5%, min. 5,5%                              

ALL:
The first three years: 

• Loan amount: 10,000,000 ALL
• Interest rate: 5,5% (fixed for the first three years)                
• Monthly installment: 61,409 ALL
• Loan term: 25 years
• Disbursement fee: 1,5%                                                             
• Life insurance: 24,000 ALL
• Effective interest rate: 6,18%

After the first three years:

• Loan amount: 9,391,883 ALL
• Interest rate: 6% (12M T-Bill + 3,5%, min. 5,5%)              
• Monthly installment: 64,154 ALL
• Loan term: 22 years
• Disbursement fee: 0%                                                              
• Life insurance: 22,582 ALL
• Effective interest rate: 6.56%

Illustrative example for the amount of 100,000 EUR:
EUR:
The first three years: 

• Loan amount: 100,000 EUR
• Interest rate: 5,5% (fixed for the first three years)      
• Monthly installment: 614 EUR
• Loan term: 25 years
• Disbursement fee: 1,5%
• Life insurance: 240 EUR
• Effective interest rate: 6,23%

After the first three years:

• Loan amount: 93,919 EUR
• Interest rate: 5,7% (12M Euribor + 3,5%, min. 5,5%)   
• Monthly installment: 625 EUR
• Loan term: 22 years
• Disbursement fee: 0%
• Life insurance: 226 EUR
• Effective interest rate: 6,29%

For clients who do not receive their salary at ProCredit Bank:

• ALL: 12M T-Bill + 4,5% ,min. 5,5%
• EUR: 12M Euribor + 4,5%, min. 5,5%                              

Illustrative example for the amount of 10,000,000 ALL:
ALL:

• Loan amount: 10,000,000 ALL
• Interest rate: 7% (12M T-Bill + 4,5%, min. 5,5%)                 
• Monthly installment: 70,677 ALL
• Loan term: 25 years
• Disbursement fee: 2%                                                                 
• Life insurance: 24,000 ALL
• Effective interest rate: 7,83%        

Illustrative example for the amount of 100,000 EUR:                                                              
EUR:

• Loan amount: 100,000 EUR
• Interest rate: 6,7% (12M Euribor + 4,5%, min.5,5%)      
• Monthly installment: 688 EUR
• Loan term: 25 years
• Disbursement fee: 2%
• Life insurance: 240 EUR
• Effective interest rate: 7,51%

For Emigrants:

• ALL: 12M T-Bill + 5,5%, min. 6%
• EUR: 12M Euribor + 5,5%, min. 6%                              

Illustrative example for the amount of 10,000,000 ALL:
ALL:

• Loan amount: 10,000,000 ALL
• Interest rate: 7,95% (12M T-Bill + 5,5%, min. 6%)                 
• Monthly installment: 95,277 ALL
• Loan term: 15 years
• Disbursement fee: 2%                                                                 
• Life insurance: 24,000 ALL
• Effective interest rate: 9%  

EUR:

• Loan amount: 100,000 EUR
• Interest rate: 7.75% (12M Euribor + 4,5%, min. 5,5%)      
• Monthly installment: 941 EUR
• Loan term: 15 years
• Disbursement fee: 2%
• Life insurance: 240 EUR
• Effective interest rate: 8,81%

Agreements with construction companies:

• Capital B;
• Company Riviera;
• Klensi;
• TiranaKons;
• Usluga.

Illustrative example for the amount of 10,000,000 ALL:

• ALL: 12M T-Bill + 3,5%, min. 5,5%
• EUR: 12M Euribor + 3,5%, min. 5,5%                              

For clients who receive their salary at ProCredit Bank:
ALL:

• Loan amount: 10,000,000 ALL
• Interest rate: 5,95% (12M T-Bill + 3,5%, min. 5,5%)                 
• Monthly installment: 64,125 ALL
• Loan term: 25 years
• Disbursement fee: 1,5%                                                                 
• Life insurance: 24,000 ALL
• Effective interest rate: 6,66%  

EUR:

• Loan amount: 100,000 EUR
• Interest rate: 5,75% (12M Euribor + 3,5%, min. 5,5%)                 
• Monthly installment: 629 EUR
• Loan term: 25 years
• Disbursement fee: 1,5%                                                                 
• Life insurance: 240 EUR
• Effective interest rate: 6,44%

For clients who do not receive their salary at ProCredit Bank:

• ALL: 12M T-Bill + 4,5%, min. 5,5%
• EUR: 12M Euribor + 4,5%, min. 5,5%                             

ALL:

• Loan amount: 10,000,000 ALL
• Interest rate: 6,95% (12M T-Bill + 4,5%, min. 5,5%)                 
• Monthly installment: 70,359 ALL
• Loan term: 25 years
• Disbursement fee: 2%                                                                 
• Life insurance: 24,000 ALL
• Effective interest rate: 7,78%  

EUR:

• Loan amount: 100,000 EUR
• Interest rate: 6,75% (12M Euribor + 4,5%, min. 5,5%)                 
• Monthly installment: 691 EUR
• Loan term: 25 years
• Disbursement fee: 2%                                                                 
• Life insurance: 240 EUR
• Effective interest rate: 7,56%

For Emigrants:

• ALL: 12M T-Bill + 5,5%, min. 6%
• EUR: 12M Euribor + 5,5%, min. 6%                              

ALL:

• Loan amount: 10,000,000 ALL
• Interest rate: 7,95% (12M T-Bill + 5,5%, min. 6%)                 
• Monthly installment: 76,851 ALL
• Loan term: 25 years
• Disbursement fee: 2%                                                                 
• Life insurance: 24,000 ALL
• Effective interest rate: 8,86%  

EUR:

• Loan amount: 100,000 EUR
• Interest rate: 7,75% (12M Euribor + 5,5%, min. 5,5%)                 
• Monthly installment: 755 EUR
• Loan term: 25 years
• Disbursement fee: 2%                                                                 
• Life insurance: 240 EUR
• Effective interest rate: 8,64%

Categories eligible for home loans with a partner:

1. Salary earners at ProCredit Bank
2. Non-salary earners at ProCredit Bank
3. Emigrants

Other terms and fees:

• Disbursement fee: 1,5% - 2%
• Collateral: Loans can be collateral-free based on the agreements the bank has with its partners as mentioned above
• Loan term: up to 300 months
• Early repayment compensation:  
  • If the period is over 1 year – 2%
  • If the period is ≤ 1 year – 1%
  • No fee applies if repayment is due to insurance
• Account maintenance fee: 100 ALL/ month
• Card maintenance fee: 200 ALL/ 3 months

*For salary earners at ProCredit Bank, the individual account package has zero fees for the first year. After the first year, the fees above apply.

• Life insurance: Mandatory for all borrowers.

For the calculation of the effective interest rate in the examples above, life insurance is included for the 10,000,000 ALL or equivalent 100,000 EUR over the full loan term. For the variable rate calculation, the annual T-Bill rate used is from the last auction on 31.12.2025: T-Bill 2.44%, Euribor 2.25%.

*For more information on home loans, please visit the Official Price List for Individual Clients.

What do you need to qualify for this loan?

• Be employed for at least the last 6 months
• Your salary must be credited to the bank

Documents required to apply?

• Identification document (ID) or passport
• Bank account statements for the last 12 months
• Salary certificate 
• Family certificate 
• Personal certificate

For a mortgage loan, all the above documents are required, plus property-related documents:

• Property ownership certificate
• Property floor plan
• Property register card (updated within the last 3 months)
• Property map (updated within the last 3 months)

*The bank may request additional documentation if necessary.  

Discover more:
Standardized pre-contract information for home loans 
General business terms and conditions 

 

Apply Now

 

Secure the financing you need for your home with the only German bank in the country! 

For more information:
www.procreditbank.com.al
+355 (4) 2 389 389 
informacion@procredit-group.com

Attention: Every loan has a cost!