Exchange Rates 21.10.2020

CHF Buy 111.66 Sell 119.66

EUR Buy 120.92 Sell 126.92

GBP Buy 132.53 Sell 140.53

USD Buy 101.63 Sell 107.63

Real Estate Loan Alpha Investment
Alpha Investment Loan offers variable interest rates throughout the term of the loan and serves to purchase, or refurbish an asset such as a store or office. Also this product serves for the purchase of a property such as a house, apartment, which will be used for lease purposes.











  • • 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



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  • Disbursement Fee
    • 1.25% disbursement fee (min 400 Eur / equivalent) for standard customers
    • 0.88% disbursement fee (min 280 Eur / equivalent) 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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  • 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

     4.00%

    4.23% 

    152.23 EUR

    ALL

     3.82%

    3.99%

    17.896 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%




    Monedha 

    Norma e interesit 

    Norma efektive e interesit 

    Kësti mujor i përafërt 

    EUR

     4.00%

    4.23

    152.23 EUR

    LEK

     3.82%

    3.99%

    17,896 LEK

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  • • 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



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