Exchange Rates 10.12.2019

CHF Buy 109.24 Sell 115.24

EUR Buy 120.70 Sell 124.30

GBP Buy 142.72 Sell 148.72

USD Buy 108.81 Sell 112.41

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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
    • 0.50% disbursement fee for standard customers
    • 0.35% disbursement fee 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 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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  • 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.

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