Mortgage Loan

Please, follow the procedures explained below in order to apply for a mortgage loan :

Financed: maximum 70 % of the House value

Guarantee required: Mortgage 140 % of loan amount (in case the loan is approved)

Required documents

1. Employers
   • Passport
   • Monthly family income
   • Certificate of mortgage and documents of proving your property origin
2. For small business owners
   • Passport
   • Business license
   • Certificate of mortgage and documents of proving your property origin
3. For enterprises (shpk or sha)
   • Company legal documents
   • Last year balance sheet
   • Certificate of mortgage and documents of proving your property origin

Loan terms based on the currency:

Loan in USD currency

Interest (% annual)	Libor 12 month + (3.0 - 3.5) %
Time period (in years)	15
Amount	75% of house value

Loan in Euro currency

Interest (% annual)	Libor 12 month + (5.2 - 6.2) %
Time period (in years)	15
Amount	75% of house value

Loan in ALL currency

Interest (% annual)	Treasury bills rate + (4.5 - 6.5 ) %
Time period (in years)	15
Amount	75% of house value