Alpha Realize consumer loan is the loan which helps you to fulfill your desires and needs. It is especially designed for all of you who would like to buy new furniture or appliances for your home or to cover any other consumer needs.

Product Characteristics
Interest rates
Documentation
  • Financing in both ALL and Euro
  • Afordable monthly installment starting from 6,155 ALL
  • Repayment period up to 7 years
  • Financing up to:
    • 500,000 ALL or 4,000 Euro without guarantor (Non-payroll customers of Alpha Bank)
    • 750,000 ALL or 6,000 Euro without guarantor ( Payroll customers of Alpha Bank)
    • 2,000,000 ALL or 16,000 Euro without collateral
  • 2% disbursement fee, minimum 4,000 Lek or 40 Euro
  • 2% life insurance fee
  • 0% balance transfer disbursement fee and 2% disbursement fee if applied for additional financing

Interest rates for ALL currency:

  • Payroll customer in Alpha Bank: 8.5% fix for 3 years and ongoing 12M TB + 8.5%
  • Payroll customer in other Bank: 9% fix for 3 years and ongoing 12M TB + 9%
  • Customer with Business Income / Other: 10% fix for 3 years and ongoing 12M TB + 10%

Interest rates for Euro currency:

  • Payroll customer: 12M Euribor + 8.0%
  • Klientë standard: 12M Euribor + 8.5%

Examples of monthly installments for payroll customers:

Amount Interest rate Effective interest rate Monthly installment
  300,000 ALL  5 Years 8.50% 10.43%   6,155 ALL
  1,000,000 ALL  7 Years 9.00%  9.84% 15,836 ALL
  2,000,000 ALL   7 Years 10.00% 11.34% 33,202 ALL


Base interest rate will be revised every 12 months according the base rate of each currency on the date of the first disbursement

The minimum documentations are as below:

  • Income statement;
  • Address Verification document (utility bill, etc);
  • Banking statement for the last 12 months.