KUSHTET E PRODUKTEVE TE KREDISE

KREDI KONSUMATORE
INTERESI MUJOR/GARANCI INTERES MUJOR/monthly int INTERESI VJETOR/annual int
consumer loan amt term/monthcollateral type

KREDI KONSUMATORE SHUMA/LEK AFATI/MUAJ HIPOTEKE RBS PENG DORËZANI HIPOTEKE RBS PENG
NE LEK 50,000 - 300,000 6-36 MUAJ 2.042% 2.242% 2.292% 2.292% 24.50% 26.90% 27.50%
NE LEK 300,001-600,000 6-48 MUAJ 1.992% 2.142% 2.242% 2.242% 23.90% 25.70% 26.90%
NE LEK 600,001-1,000,000 6-60 MUAJ 1.942% 1.992% N/A N/A 23.30% 23.90% N/A
NE LEK 1,000,001-1,500,000 6-72 MUAJ 1.900% 1.950% N/A N/A 22.80% 23.40% N/A

Shenim: Per te gjitha kredite ne shumen >100,000 leke mund te aplikohet shtim i afatit te kredise nje vit (12 muaj), duke aplikuar shtim te interesit vjetore ne masen
Shtimi i afatit nuk mund te aplikohet per shumen deri ne 100,000 leke.

KREDI PERSONALE
INTERESI MUJOR/GARANCI INTERES MUJOR INTERESI VJETOR
KREDI PERSONALE/personal SHUMA/LEK AFATI/MUAJ HIPOTEKE RBS PENG DORËZANI HIPOTEKE RBS PENG
NE LEK 50,000 - 300,000 6-36 MUAJ 1.992% 2.042% 2.142% 2.142% 23.90% 24.50% 25.70%
NE LEK 300,001-600,000 6-48 MUAJ 1.942% 1.992% 2.042% 2.042% 23.30% 23.90% 24.50%
NE LEK 600,001-1,000,000 6-60 MUAJ 1.892% 1.942% N/A N/A 22.70% 23.30% N/A
NE LEK 1,000,001-1,500,000 6-72 MUAJ 1.842% 1.892% N/A N/A 22.10% 22.70% N/A

Shenim: Per te gjitha kredite ne shumen >100,000 leke mund te aplikohet shtim i afatit te kredise nje vit (12 muaj), duke aplikuar shtim te interesit vjetor ne masen
Shtimi i afatit nuk mund te aplikohet per shumen deri ne 100,000 leke.

KREDI BIZNESI
INTERESI MUJOR/GARANCI INTERES MUJOR/int monthly INTERESI VJETOR/annual int
KREDI BIZNESI/business SHUMA/LEK/ALLAFATI/MUAJ/term months
HIPOTEKE RBS PENG DORËZANI HIPOTEKE RBS PENG
NE LEK 50,000`- 300,000 6-36 MUAJ 1.942% 1.992% 2.042% 2.042% 23.30% 23.90% 24.50%
NE LEK 300,001-600,000 6-48 MUAJ 1.892% 1.942% 1.992% 1.992% 22.70% 23.30% 23.90%
NE LEK 600,001-1,000,000 6-60 MUAJ 1.842% 1.892% N/A N/A 22.10% 22.70% N/A
NE LEK 1.000,001-2,000,000 6-72 MUAJ 1.792% 1.842% N/A N/A 21.50% 22.10% N/A
NE LEK 2,000,001 - 3,000,000 6-84 MUAJ 1.70% 1.75% N/A N/A 20.40% 21.00% N/A
NE LEK 3,000,001-6,000,000 LEKE 6-96 MUAJ ≤ 1.65% 1.70% N/A N/A ≤ 19.80% 20.40% N/A
NE LEK MBI 6,000,000 LEKE 6-120 MUAJ ≤ 1.5% N/A N/A N/A ≤ 18% N/A N/A

KREDI BIZNESI (EURO)

INTERESI MUJOR/GARANCI INTERES MUJOR INTERESI VJETOR
KREDI BIZNESI/business EUR SHUMA AFATI/MUAJ HIPOTEKE RBS PENG DORËZANI HIPOTEKE RBS PENG
NE EURO 5,000 - 10,000 6-60 MUAJ 1.542% 1.642% N/A N/A 18.50% 19.70% N/A
NE EURO 10,001-15,000 6-72 MUAJ 1.492% 1.542% N/A N/A 17.90% 18.50% N/A
NE EURO 15,001 - 25,000 6-84 MUAJ 1.392% N/A N/A N/A 16.70% N/A N/A
NE EURO 25,001 - 50,000 EURO 6-96 MUAJ ≤1.291% N/A N/A N/A ≤15.5% N/A N/A
NE EURO Mbi 50,000 EURO 6-120 MUAJ ≤1.25% N/A N/A N/A ≤15% N/A N/A

KREDI PER RININE

KREDI PER RININE/youth SHUMA INTERESI MUJOR INTERESI VJETOR
NE LEK <=1,000,000 LEKE Deri 60 muaj 1.25% 15.00%

KREDI PER GRATE/women

 KREDI PER RININE SHUMA INTERESI MUJOR INTERESI VJETOR
NE LEK <=200,000 LEKE Deri 36 muaj 2.416% 29.00%

KREDIA 24 x 24
KREDI PER RININE SHUMA INTERESI MUJOR INTERESI VJETOR
NE LEK <=200,000 LEKE Deri 24 muaj 2.416% 29.00%

Fee e kontrates fee application

Lloji monedhes Afati (term in years) Ne %
NE LEKE/EURO Afati 1 vit 1%
NE LEKE/EURO Afati 2 vit 2%
NE LEKE/EURO Afati 3 - 5 vite 3%
NE LEKE/EURO Afati mbi 5 vjet 4%

*** Shenim; per te gjithe klientet qe aplikojne per here te trete dhe kane amortizuar 50 % te shumes se kredise se marre, dhe kane qene te rregullt ne pagesen e
kesteve te kredise, mund te perfitojne bonus -1% te normes vjetore te interesit.

for ther clients that apply for the 3rd time and have amortised 50% of loan amt and have been paying regularly the installments, can be applied -1% on the annual intere
nt

DORËZANI
27.50%
26.90%
N/A
N/A

en 1%. amt>100.000 term+12 months anuual interest+1%

DORËZANI
25.70%
24.50%
N/A
N/A

n 1%. amt>100.000 term+12 months anuual interest+1%

DORËZANI
24.50%
23.90%
N/A
N/A
N/A
N/A
N/A

DORËZANI
N/A
N/A
N/A
N/A
N/A
erest rate