CHF Buy 108.26 Sell 114.26
EUR Buy 119.12 Sell 122.72
GBP Buy 129.41 Sell 135.41
USD Buy 107.23 Sell 110.83
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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
• 1.25% (min 400 euro / equivalent) for standard customers
• 0.88% (min 280 euro / equivalent) for payroll customers in Alpha Bank
• Not applicable disbursement fee for balance transfers from other Banks
Prepayment 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
• 0.5% of the prepaid amount during the indexed rate period if the prepayment is realized from customer’s own funds
• Not applicable prepayment fee if the prepayment is realized under the insurance contract which aims the loan payment
• Not applicable Pre-payment fee if the loan is overdue and the prepayment 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