More on Real Estate Loans

• Maximum amount for shop / office purchase: Up to 300,000 Euros (not more than 80% of the purchase value)

• Maximum purchase amount: up to 250,000 Euros (not more than 60% of the purchase value)

• Duration: up to 15 years.

• Currency: ALL, EURO

• Interest Rates:

LEK: 2.9% fixed for the first  year;

LEK: 3.7% fixed for the first 2 years;

THEN

Income from salary/rent: B.TH 12M+1.75%(min.4.25%)

Other income: B.TH 12M+1.95%(min. 4.45%)

EUR: 1.9% fixed for the first year;

EUR: 2.7% fixed for the first 2 years;

THEN

Income from salary/rent: Euribor 12M+4%(min. 4.25%)

Other income: Euribor 12M+4.2%(min. 4.5%)

• Repayment method: principal and interest are paid in equal monthly installments.

• Penalties: In case of delays in payment of installments, the bank applies a delay penalty, based on the current Terms & Conditions.

• Early Payment: The bank accepts partial or total payments before the maturity of the loan.

For more information please download standard pre-contractual documents for Real Estate and Reconstruction Loan here