Benefits:

• Financing up to: 3,000,000 ALL/ equivalent in EUR
• Without collateral, without guarantor for values ​​up to 2,000,000 ALL & repayment term 5 years
• Without collateral, with guarantor or with life insurance for values ​​from 2,000,000 ALL to 3,000,000 ALL & repayment term from 5 to 7 years
• Interest rate in ALL: 8% fixed interest for the first three years, then Treasury Bills 12M+8%, min 9%
• Interest rate in EUR: 9% fixed interest for the first three years, then Euribor 12M+9%, min 10%
• Disbursement fee: 1.5%
• Repayment term up to 7 years
• 0% disbursement commission for refinancing from other banks
• 0% early closure fee when the loan repayment before the due date coincides with a period for which the loan rate is not fixed

Full Price List

Example for clients who receive their salary in their ProCredit Bank account:

a) Financing 3,000,000 ALL and term 7 years:
In the first three years:
Monthly installment: 46,759 ALL (interest 8%, effective interest rate: 8.95%).
After the first three years:
Monthly installment: 49,196 ALL (remaining term 48 months, remaining amount 1,915,325 ALL, annual interest rate 10.67%, BTH12M+ 8% MIN 9%, effective interest rate 11.46%).
BTH12M taken into consideration in the above calculations - 2.67% (date. 31.07.2026).

b) Financing 30,000 EUR and term 7 years:
In the first three years:
Monthly installment: 483 EUR (interest 9%, effective interest rate: 10.05%).
After the first three years:
Monthly installment: 510 EUR (remaining term 48 months, remaining amount 19,396 EUR, annual interest rate 11,73%, EB12M + 9% MIN 10%, effective interest rate: 12.93%).
EB12M taken into account in the above calculations- 2.96% (date. 31.07.2026).

*Calculations are illustrative. The exact loan installment will be calculated at the time of disbursement.
*For clients who do not receive their salary at ProCredit Bank the interest rate is +1% at a fixed rate, at a margin and a minimum in both currencies (ALL and EUR). Other conditions remain unchanged.

What do you need to benefit from this loan?

• Be a resident of Albania;
• Your salary must have been transferred to the bank for at least the last 6 months.

What documents are needed to apply?

• Identity card
• Family certificate
• Document justifying income (Salary certificate, rental contract, etc.)
• Statement of the account where the salary is transferred

*The bank may request additional documentation if necessary.  

Find out more:
Standardized pre-contractual consumer credit information (in Albanian)
General business terms and conditions

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Get the financing you need with the only German bank in the country! 

Attention: Every loan has a cost!
Lending in a currency different from the one in which income is generated is associated with significant risks. For example, a sharp depreciation of the exchange rate would cause difficulties in the consumer’s ability to repay the loan. These difficulties could lead to the consumer’s failure to repay the loan.