Alpha Housing loan secured with CASH deposit

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ZERO Disbursement Fee

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Alpha Housing loan secured with CASH deposit

Alpha Cash collateral Home Loan offers indexed interest rate during the whole repayment period and is a loan for the acquisition, construction or reconstruction of an immovable asset to be used for residential purpose, also this aims to finance the acquisition of plot of lands to be used for residential purpose secured with Cash deposit in Alpha Bank

Standard Clients:
• EUR: 12M Euribor + 2.25
• LEK: 12M AGTB + 1.8

Payroll Customers:
• EUR: 12M Euribor + 2.1
• LEK: 12M AGTB + 1.65

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Disbursement Fee
• 0.5% Disbursement fee on the approved principal for standard customers
• 0.35% Disbursement fee for payroll customers in Alpha Bank
• 0% Disbursement fee for payroll customers in Alpha Bank 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
• Not applicable prepayment fee if the prepayment is realized under the insurance contract which aims the loan payment

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Examples of monthly installment for payroll customers

Currency	Interest rate	Effective interest rate	Forecasted monthly installment
EUR	2.10%	2.71%	107.54 EUR
LEK	4.20%	4.92%	16,168 LEK

Examples of monthly installment for standard customers

Currency	Interest rate	Effective interest rate	Forecasted monthly installment
EUR	2.25%	2.87%	109.42 EUR
LEK	4.35%	5.09%	16,420 LEK

The monthly installment is calculated for an amount of 25,000 Euro or 3,000,000 ALL for a repayment period of 25 years. Floating interest rates will be revised every 12 months according the base rate of each currency on the date of the first disbursement.