• Minimum amount 5,000 Eur or equivalent
• Maximum amount 500,000 Eur or equivalent
• Minimum tenor 5 years
• Maximum tenor 30 years

Disbursement Fee
• 1.0%    Disbursement fee on the approved principal for standard customers, minimum 200 Eur or equivalent 
              for amounts up to 150,000 Eur or equivalent or equivalent in Lek
• 0.75%  For disbursed amounts up to 150,000 Eur or equivalent in Lek
• 0.7%    Disbursement fee on the approved principal for payroll customers in Alpha Bank
• 0.0%    Disbursement fee on the approved principal  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
• Not applicable Pre-payment fee if the payment is realized from CASH funds or the loan is overdue and the payment is requested by the Bank

Interest rates for payroll customers:
• EUR: 12M Euribor + 4.1% 
• LEK: 12M BTH + 2.35% 
• USD: 12M Libor + 4.85%

Interest rates for standard customers:
• EUR: 12M Euribor + 4.25% 
• LEK: 12M BTH + 2.5% 
• USD: 12M Libor + 5% 

Examples of monthly installments for payroll customers

Examples of monthly installments for payroll customers 

  
The monthly installment is calculated for an amount of 25,000 Euro, 25,000 USD 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

Reference rates are:
EUR: Euribor 12M = 0% / LEK: Treasury Bill 12M = 2.89% / USD: Libor 12M = 2.1%

• 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