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 50,000,000 ALL / 500,000 EUR
- Financing opportunities 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%
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 (in Albanian)
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!
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.
