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Mortgage Financing

You find the Home,
we’ll find the money

A house is made of bricks and beams. A home is made of hopes and dreams. We will help you with both of them!

Unlock the Home of your Dreams

Mortgage financing for real estate consumers is an agreement between the bank and the client in which the bank provides or promises financing to a client, used for the following needs:

  • Purchase, construction, or reconstruction of a property such as a shop or office
  • Purchase of a house, apartment, or other residential property for rental purposes
  • Financing transfer
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General Information

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Product Features

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Online Application

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Online Calculator

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List of Documents

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Mortgage Financing

Product Conditions

  • Financing up to 50,000,000 ALL / equivalent in EUR
  • Maximum term: 25 years
  • Currency: ALL/EUR
  • Effective Profit Rate (EPR): 6.4%

Profit Rates

UBA Salary Clients Standard Clients
Rate Type Fixed Rate ALL EUR Fixed Rate ALL EUR
First 2 Years 4.5% 4% 5.5% 5%
After T-Bill 12M + 2.5% Euribor 12M + 3% T-Bill 12M + 3% Euribor 12M + 3.5%
Minimum 5.5% 5% 6.5% 6%

 

  • Administration Fee:1% of the financed amount
  • 0% for financing transfers
  • Collateral must be at least 130% of the financing amount based on market value
  • Penalty: 2% on the overdue installment (including principal + profit rate)

Required Documentation

  • Identification documents (ID or Passport)
  • Income documents (from salary, rent, etc.)
  • Collateral documents
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Why you should apply

  • You can apply for every type of property purchase
  • Fast and practical solution
  • A lifetime investment
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Why you will love this

  • Competitive profit rates
  • Friendly, personal service from start to finish
  • We can finance up to 99%
  • Monthly instalment payments
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Who can apply

  • Anyone over 21 years old
  • Clients with declared and regular incomes
  • 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!

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*Attention! Taking out a loan has costs!

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

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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.

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