Cost calculator
See what your monthly looks like.
Adjust the typology, the floor, your down payment and your loan term — get a live estimate of the monthly mortgage and total cost. Indicative figures, refined later by a partner bank.
Build your scenario
All values in EUR. Switch currency in the top bar — figures convert live.
4 / 8
Ground
Top floor (river view)
86 m²
58 m²122 m²
30%
20%100% (cash)
4.2% APR
2.0%9.0%
Your estimate
Monthly mortgage payment
Based on principal, interest, and your selected term. Excludes notary fees and property tax.
Estimated monthly
€724
20-year fixed · 4.2% APR
Apartment price
€164,200
Down payment (30%)
€49,260
Loan amount
€114,940
Total interest
€59,860
Total cost
€224,060
Indicative only. Final terms depend on your bank, profile and country of residence. We partner with Albanian and EU lenders.
Banking partners
Vetted lenders, in Albania and the EU.
We work with Albanian banks for resident buyers and partner with EU lenders for diaspora buyers — including pre-approval before you reserve.
Raiffeisen
Albania · 15–25 yr · 4.0–5.5%
BKT
Albania · 10–25 yr · 3.8–5.2%
Credins
Albania · 15–30 yr · 4.2–5.8%
EU partners
IT · DE · UK · CH · 2.5–4.5%
What else to budget for
The full picture, beyond the price tag.
Beyond the apartment price, here's what every Albanian property purchase typically includes. Our team walks you through each line.
Apartment price
Turnkey, finished apartment
100%
base
Property transfer tax
Paid once at closing
+3.0%
one-time
Notary & registration
Includes property registration (NIPT)
+0.8%
one-time
Underground parking (optional)
EV-ready, one space per unit
€12,000
optional
Annual property tax
Based on property value
0.05%
/ year
Building service charges
Maintenance, security, common areas
€780
/ year