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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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
Print
• 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.