00355 4 4548 888 Support

Deposit Collateral Financing

Get more from the funds
you already have

Get the UBA deposit collateral financing you need while maintaining your deposit and cutting your expenses.

Let your UBA savings boost your investments

Get the UBA deposit collateral financing you need while preserving your deposit and reducing your expenses. By using your deposit as a guarantee against loan repayment, you can benefit from lower profit rates, allowing you to focus on what matters most.

  • Purchase of household appliances, equipment, furniture, etc.
  • Special personal and/or family financial needs
  • Financing transfer
information

General Information

features

Product Features

applications

Online Application

calculator

Online Calculator

pdf (1)

Application PDF

pdf (1)

Other Documents

Product Conditions

  • Financing up to 50,000 EUR / equivalent in ALL
  • Maximum term: 120 months
  • Currency: ALL/EUR
  • Effective Profit Rate: 7%

Profit Rates

Rate Type ALL EUR USD
Fixed Rate Deposit IR + 2% Deposit IR + 2.5% Deposit IR + 2.5%

 

  • Administration Fee: 1% of the financed amount
  • 0% for financing transfers
  • 110% of the financing amount – CASH, if deposit currency matches financing currency
  • 120% of the financing amount – CASH, if deposit currency differs from financing currency
  • Penalty: 2% on the overdue installment (principal + profit rate)

General Documentation

  • Valid identification document (ID or passport)
  • Family certificate
  • Acceptable document for financing purpose
  • Financial documents
hand (1)

Why you should apply

  • Dealing with your unexpected expenses without using your funds
  • Creating a long lasting relationship with the bank
  • Easy apply and fast approval
bar-chart

Why you will love this

  • Fast approval and disbursement process
  • Competitive profit rates
  • Get emergency funds without breaking your deposit
  • Friendly, personal service from start to finish
man

Who can apply

  • Anyone over 21 years old
  • Clients that have a deposit in UBA
  • Individual and business clients

If you are interested to know more about House Financing please write us an email at: [email protected], or visit us!

Online application

Make an online application to see if you are eligible for financing!

1
2
3

*Attention! Taking out a loan has costs!

Our Headquarters
St. “Dritan Hoxha”, Blv. 11, H. 3, NB Nr. 7, Tirana, Albania

Protect your personal data
We will advice and help how to protect your personal data

Access your bank services
Discover our sites and applications

© Copyright 2025 | United Bank Of Albania. All rights reserved.

Business Conditions | Terms & Conditions | Privacy Policy | Business Code of Ethics | COVID-19

Individual | United Bank Of Albania

Njoftim për Ndryshime në Termat dhe Kushtet e Bankës!

Të nderuar klientë,

Ju informojmë me kënaqësi se duke filluar nga data 7 Tetor 2025, Banka e Bashkuar e Shqipërisë do të ofrojë mbështetje për pagesat SEPA në Euro.

Kjo do të sjellë ulje të ndjeshme të tarifave për transfertat drejt vendeve pjesë të zonës SEPA, si dhe përmirësim të shpejtësisë dhe sigurisë së transaksioneve.

Gjithashtu, pagesat elektronike përmes kanaleve tona dixhitale do të përfitojnë nga komisione më të favorshme krahasuar me ato në degë. Ju ftojmë t’i përdorni për një përvojë më efikase.

Komisionet e reja hyjnë në fuqi më 7 Tetor 2025.

Për më shumë detaje mbi tarifat e reja, ju lutem KLIKONI KETU!

Faleminderit për besimin tuaj!

Me respekt,

Banka e Bashkuar e Shqipërisë