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For “Salary Plus” clients (Pagamarrës Paketa Plus):

Fixed interest rate for the entire period: 10%
Effective interest rate: 13.49%
Monthly installment: 80,667 ALL
Total amount paid: 2,997,047 ALL

For non-salaried or non “Salary Plus” clients:

Fixed interest rate for the entire period: 11%
Effective interest rate: 14.69%
Monthly installment: 81,847 ALL
Total amount paid: 3,041,285 ALL

Life insurance (up to 36 months):
From 0.88% to 1.18% of the total loan amount, depending on the term

For “Salary Plus” clients:

Interest: Year 1 fixed at 9.5%, following years BTH + (8%–10%), minimum 10%
Effective interest after year 1: 13.51%
Monthly installment (year 1): 40,859 ALL
Monthly installment (following years): 42,260 ALL
Total amount paid: 3,549,986 ALL

For non-salaried or non “Salary Plus” clients:

Interest: Year 1 fixed at 10.5%, following years BTH + (9%–11%), minimum 11%
Effective interest after year 1: 14.70%
Monthly installment (year 1): 42,151 ALL
Monthly installment (following years): 43,579 ALL
Total amount paid: 3,660,261 ALL

Life insurance (up to 36 months):
Mandatory. From 1.48% to 2.17% of the total loan amount, depending on the term

Disbursement fee:
2.5% of the loan amount

Collateral:
No guarantor, no collateral, no co-signer required, provided that the client’s repayment capacity is ≤ 60% (including existing exposures and household expenses)

Loan term:
Minimum 12 months – maximum 84 months

Application fee:
0 ALL for online application, 1,000 ALL for branch application

When the interest rate is fixed:

More than 1 year before maturity: compensation up to 1% of the prepaid amount
Within 1 year before maturity: compensation up to 0.5% of the prepaid amount

Compensation is not applied in the following cases:
a) If repayment is made based on an insurance contract for a covered event
c) If the period does not have a fixed interest rate

Account maintenance fee:
For “Salary Plus” clients, the loan is disbursed into the existing salary account.
For others, a new account is opened with a maintenance fee of 150 ALL/month

To benefit from the “Salary Plus” package:
The client must receive their salary through Credins Bank and apply for the “Salary Plus” package

For the calculation of the effective interest rate, installment value, and total repayment amount, the maximum loan amount and maximum term per segment have been considered.
For variable interest calculation, a Treasury Bills rate of 2.74% has been used.

Attention! Borrowing money costs money.