Investment Loan

ProCredit Bank gives you the opportunity to finance your plans with loans tailored for personal investments and real estate investments.
This includes: home improvements, property renovation, purchase of real estate for investment purposes, and other individual investments, including the purchase of personal vehicles.

Benefits:

• Financing up to 5,000,000 ALL / 50,000 EUR
• Favorable interest rates in ALL and EUR
• Repayment term up to 10 years
• Financing with or without collateral

a) Investment Loan without collateral (Flex)
Interest rates:

• ALL: 9% in the first year, thereafter 12M T-Bill + 7%, min. 9%
• EUR: 8% in the first year, thereafter 12M Euribor + 6%, min. 8

Illustrative Example for 5,000,000 ALL / 50,000 EUR:
ALL:
First year:

• Loan amount: 5,000,000 ALL
• Interest rate: 9% 
• Monthly installment: 103,792 ALL
• Loan term: 5 years
• Disbursement fee: 1.5%                                                             
• Life insurance: 11,363 ALL
• Effective interest rate: 11.09%

After the first year:

• Loan amount: 4,170,850 ALL
• Interest rate: 9.45% (12M T-Bill + 7%, min. 9%)
• Monthly installment: 104,685 ALL                                                                   
• Loan term: 4 years
• Disbursement fee: 0%                                                             
• Life insurance: 9,479 ALL
• Effective interest rate: 10.97%

EUR:
First year:

• Loan amount: 50,000 EUR
• Interest rate: 9% 
• Monthly installment: 1014 EUR
• Loan term: 5 years
• Disbursement fee: 1.5%                                                             
• Life insurance: 114 EUR
• Effective interest rate: 9.48%

After the first year:

• Loan amount: 41,528 EUR
• Interest rate: 8.25% (12M Euribor + 6%, min. 8%)
• Monthly installment: 1,019  EUR
• Loan term: 4 years
• Disbursement fee: 0%                                                             
• Life insurance: 94 EUR
• Effective interest rate: 9.16%

b) Investment Loan without Collateral (Fix - 60 months)
ALL:

• Loan amount: 5,000,000 ALL
• Interest rate: 11% 
• Monthly installment: 108,712 ALL
• Loan term: 5 years
• Disbursement fee: 1.5%                                                             
• Life insurance: 11,363 ALL
• Effective interest rate: 13.43%

EUR:

• Loan amount: 50,000 EUR
• Interest rate: 10%
• Monthly installment: 1,062 EUR                                                                   
• Loan term: 5 years
• Disbursement fee: 1.5%                                                             
• Life insurance: 114 EUR
• Effective interest rate: 11.68%

c) Investment Loan with Collateral (Fix&Flex - 120 months)
Illustrative example for 10,000,000 ALL / 100,000 EUR:
ALL:
First year:

• Loan amount: 10,000,000 ALL
• Interest rate: 9% 
• Monthly installment: 126,676 ALL
• Loan term: 10 years
• Disbursement fee: 1.5%                                                             
• Life insurance: 22,726 ALL
• Effective interest rate: 10.19%

After the first year:

• Loan amount: 9,353,661 ALL
• Interest rate: 9% (12M T-Bill + 6%, min. 9%)
• Monthly installment: 126,676 ALL
• Loan term: 9 years
• Disbursement fee: 0%                                                             
• Life insurance: 21,527 ALL
• Effective interest rate: 9.83%

EUR:
First year:

• Loan amount: 100,000 EUR
• Interest rate: 8% 
• Monthly installment: 1,213 EUR
• Loan term: 10 years                                                                         
• Disbursement fee: 1.5%                                                             
• Life insurance: 227 EUR
• Effective interest rate: 9.29%

After the first year:

• Loan amount: 93,195 EUR
• Interest rate: 8% (12M Euribor + 5%, min. 8%)
• Monthly installment: 1,213 EUR
• Loan term: 9 years
• Disbursement fee: 0%                                                             
• Life insurance: 227 EUR
• Effective interest rate: 8.9%

Other Terms and Fees:

• Disbursement fee: 0.9% - 1.5%
• Loan term: up to 120 months
• Early repayment compensation:  
  • If the period is over 1 vit - 2%
  • If the period is ≤1 vit - 1%
  • No fee applies if repayment is made 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 above fees apply.

• Life insurance: Mandatory for all borrowers for the full loan term.
• Property insurance: Mandatory for all borrowers for the full loan term.
• Collateral valuation: Determined according to the type of property, based on the current price list.
• Notarization costs: Depending on the number of contracts notarized and the fees of notaries selected by the bank. Property registration costs at the mortgage office (ZRPP) according to published rates.

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

*The bank may request additional documentation if necessary.  

Discover more:
Standardized pre-contract information for investive 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!