Exchange Rates 20.05.2019

CHF Buy 106.07 Sell 112.07

EUR Buy 121.04 Sell 124.64

GBP Buy 137.29 Sell 143.29

USD Buy 108.22 Sell 111.82

Real Estate Loan Alpha Investment
Product Characteristics
• Minimum amount 5,000 Eur or equivalent in ALL 
• Maximum amount 500,000 Eur or equivalent in ALL 
• Maximum tenor 30 years for apartment purchase 
• Maximum tenor 20 years for shop/office purchase

Commissions
Disbursement Fee
• 1.0% disbursement fee (min 300 Eur / equivalent) for standard customers 
• 0.7 disbursement fee (min 210 Eur / equivalent) for payroll customers
• 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 prepayment fee if the payment is realized from CASH funds or the loan is overdue and the payment is requested by the Bank

Interest Rate
Interest rates for payroll customers 
• EUR: 12M Euribor + 3.85% 
• ALL: 12M AGTB + 2.35% 

Interest rates for standard customers 
• EUR: 12M Euribor + 4% 
• ALL: 12M AGTB + 2.5% 

Examples of monthly installments for payroll customers
 

Currency 

Interest Rate

Effective interest rate

Monthly installment

EUR

 3.85%

4.00% 

150.23 EUR

ALL

 3.67%

3.78%

17.662 ALL












Examples of monthly installments for standard customers 
 

Currency 

Interest Rate

Effective interest rate

Monthly installment

EUR

 3.85%

4.00%

150.23 EUR

ALL

 3.67%

3.78%

17.662 ALL






 




 
The monthly installment is calculated for an amount of 25,000 Euro or 3,000,000 ALL for a repayment period of 20 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% / ALL: Treasury Bill 12M= 1.32%

Collateral Type
• Residential immovable asset (1st rank mortgage) with coverage 143% of the loan amount 
• Shops / Office owned by individuals (1st rank mortgage) with coverage 143% of the loan amount
• Plot of land (1st rank mortgage) with coverage 200% of the loan amount