CHF Buy 105.60 Sell 111.60
EUR Buy 119.85 Sell 123.45
GBP Buy 133.40 Sell 139.40
USD Buy 106.90 Sell 110.50
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• Minimum amount 5,000 Eur or equivalent
• Maximum amount 500,000 Eur or equivalent
• Minimum tenor 5 years
• Maximum tenor 30 years
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Disbursement Fee
• 1% disbursement fee ( 300 Eur / equivalent - for standard customers)
• 0.7% disbursement fee (210 Eur / equivalent for payroll customers in Alpha Bank)
• Not applicable disbursement fee for balance transfers from other BanksPrepayment fee
• 2% of the prepaid amount if the prepayment date and the maturity date is more than one year
• 1% of the prepaid amount if the prepayment date and the maturity date is less than one year
• Not applicable prepayment fee during the indexed rate period if the prepayment is realized under the insurance contract which aims the loan payment
• Not applicable pre-payment fee during the indexed rate period if the payment is realized from CASH funds or the loan is overdue
and the payment is requested by the Bank
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Interest rate for the fixed period
Fixed 1 year 1.8% in Euro and 3.5% in Lek
Fixed 3 years 2.3% in Euro
Fixed 5 years 2.9% in Euro and 4.5% in Lek
Interest rate after the fixed period
EUR: 12M Euribor + 4%
LEK: 12M BTH + 2.5%
Currency
Fixed period
Interest rate
Effective interest rate
Forecasted monthly installment
EUR
1 year
1.8%
2.4%
90.23 EUR
EUR
2 years
2.3%
2.93%
96.61 EUR
EUR
3 years
2.9%
3.55%
104.6 EUR
LEK
1 year
3.5%
4.24%
13,471 LEK
LEK
3 years
4.5%
5.28%
15,200 LEK
The monthly installment is calculated for an amount of 25,000 Euro or 3,000,000 ALL for a repayment period of 30 years. Floating interest rates will be revised every 12 months according the base rate of each currency on the date of the first disbursement.
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• Residential immovable asset (1st rank mortgage) with coverage 143% of the loan amount
• Shops / Office owned by individuals (1st rank mortgage) with coverage 167% of the loan amount
• Plot of land (1st rank mortgage) with coverage 200% of the loan amount