Housing Loan for Purchase / Construction and Land Purchase

Bank offers financial support for all Retail customers who want to be financed for: Purchase a residential property; Construct a residential property; Investment Purposes (buy to let/ buy to sell); Purchase a plot of land (accompanied with an investment plan and construction permit); Transferring a loan balance from another Bank

Lending Terms and Conditions:

 Currency: EUR/ ALL


Min:  5,000 EUR / 625, 000 ALL;

Max: 300,000 EUR / 37,500,000 ALL Mass Customers;

Max: 800,000 EUR / 100,000,000 ALL Affluent Customers;

Duration: up to 30 years;

Financed limit: up to 80% for residential property/construction;                                                                

Interest Rates

Currency Payroll Customer Standard Customer
LEK T.Bills 12M + 1.6%, Min 4% T.Bills 12M + 2.2%, Min 4%
EUR EURIBOR 12M + 4%,Min 4% EURIBOR 12M + 4%, Min 4%
  • Payment method: Principal and interest are paid in equal monthly instalments
  • Collateral: First-rank mortgage on the funded property or other property that meets the Bank's requirements


  • ID card / passport
  • Family certificate
  • Employment confirmation issued by the employer
  • If the customer has his own business:
  • Extract of National Registration Centre for Businesses (within the last month); NIPT;
  • Tax Office verification of dues;
  • Mortgage Deed
  • In case of home construction:  Construction permit and technical project for execution, total cost for the construction project.

Note: The Bank keeps the right to request other documents considered necessary for the evaluation of the client

For more information, contact our branches or call for free at Info Bank  0800 68 68.

Click to see Pre-contract Information for Home Loan