The Top-Up is an additional loan limit (consumer secured) provided by Tirana Bank to the existing mortgage borrowers of Tirana Bank for covering their personal financial needs like:

• children education,
• medical emergency,
• house renovation,
• vacation etc

while using as collateral the same property used for the mortgage loan.

 

Tenor and Financing T&C:

Currency: EUR/ LEK

Amount:

• Up to the repaid amount of the existing loan limit;
• Tenor: Up to the maturity of the existing loan limit;
• Collateral: is used the same property used for the mortgage loan.  

Client’s benefits from this product are:

• Less documents set for the application.
• Same tenor with mortgage loan (so longer tenor than an unsecured consumer loan)
• No need to re block the collateral in mortgage office.
• Interest Rates and fees of this loan are more favorable than those of a Consumer Unsecured loan.

Interest Rates:     

Currency	Payroll	Standard
Lek	TB 12M + 3%, (Min 5%)	TB12M + 3%, (Min 5%)
Euro	Euribor 12M + 5%, (Min 5.5%)	Euribor 12M + 5%, (Min 5.8%)

Documentation:

• ID/passport
• Employment Confirmation extracted from E-Albania only for Customers that are payroll in other banks.

Pre contractual information Top Up Limit