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CREDINS BANK
Director: Artan SANTO
Address: Rr. "Ismail Qemali", Nr. 21, Tiranë;
Tel: 222916, 234096, +355 692069666 Fax. 222916 www.bankacredins.com
Info about the bank
Loan Products
Bank Services
Mission
Characteristics of the Bank
Branches of the Bank
Correspondent banks
Business Loans
Individual Loans
Conditions
Deposits
accounts
Transfers
General Information about the Bank
SPECIAL CHARACTERISTICS
It is the first bank with an entirely Albanian capital.
This bank consists of 8 shareholders, namely:
Credins Financial Institute
Emigres
Eurolloto
Telesport
Bushati Sh.p.k.
SNZ
EA
R&T
INTERES RATES
Lek
Amount in lek according to band
200.000 –1.000.000
1.000.001 –8.000.000
Above 8.000.001
Current account
0.5%
0.8%
neg.
Non-deadline deposits
2.0%
2.5%
3.0%
1-month deposits
4.5%
5.0%
5.5%
3-month deposits
5.5%
6.0%
neg.
6-month deposits
6.7%
7.0%
neg.
1-year deposits
7.8%
8.0%
neg.
2-year deposits
8.7%
9.0%
10%
USD
Amount in USD according to band
3.000 –10.000
10.001 –50.000
Above 50.001
Current account
0.15%
0.25%
neg.
Non-deadline deposits
0.35%
0.4%
0.5%
1-month deposits
0.55%
0.65%
0.75%
3-month deposits
0.95%
1.15%
neg.
6-month deposits
1.45%
1.95%
neg.
1-year deposits
2.05%
2.55%
neg.
2-year deposits
2.65%
3.0%
neg.
Euro
Amount in EURO according to band
3.000 –10.000
10.001 –50.000
Above 50.001
Current account
0.15%
0.25%
neg.
Non-deadline deposits
0.35%
0.4%
0.5%
1-month deposits
0.55%
0.65%
0.75%
3-month deposits
0.95%
1.15%
neg.
6-month deposits
1.45%
1.95%
neg.
1-year deposits
2.05%
2.55%
neg.
2-year deposits
2.65%
3.0%
neg.
Type of product
GBP
CHF
CAD
Above 3.000
Above 10.000
Above 7.000
Non-deadline deposits
1.5%
0.1%
0.5%
1-month deposits
2.0%
0.25%
1.0%
3-month deposits
2.5%
0.45%
1.5%
6-month deposits
1.45%
0.85%
1.8%
1-year deposits
3.5%
0.95%
2.0%
PRODUCTS OFFERED INCLUDE:
Current accounts
Deadline deposits 1M, 3M, 6M, 12M, 24M.
Treasury bonds transactions.
Exchange.
Issuing bank checks in Lek and foreign currency.
Issuing personal checkbook (on current account) in Lek and foreign currency.
Purchase of bank checks.
Acceptance of personal checks for payment.
Incoming and outgoing Local transfers in lek and foreign currency.
Incoming and outgoing transfers abroad in USD, EUR, GBP, CHF and CAD.
Loan bonds for import and export.
Import and export incase.
Bank guarantee inside and outside the country (with funds from the bank)
Different loans and credits.
Issuing certificates for not having credit obligations, for consular offices and embassies, for client's account surplus and recommendations for third parties.
Financial and banking consultancy.
LOAN PRODUCTS
Loans in LEK
Loans in USD
Loans in EURO
CASH 15%
CASH 8%
CASH 9%
OVERDRAFT 15.5%
OVERDRAFT 8.5%
OVERDRAFT 9.5%
CAM 15%
CAM 8%
CAM 9%
Loans are awarded in three currencies LEK, USD and EUR.
Types of loans are: Short-term loans CASH up to 1 year, Mid-term loans CAM at present up to 3 years, negotiable up to 5 years.
Loans for housing, furniture, reconstruction
Loans for housing (in Dollars)
Interest (annual %)
8.50%
8.50%
8.50%
8.50%
8.50%
Term (in months)
120
120
120
120
120
Sum
30,000
25,000
20,000
15,000
10,000
Monthly premium
372
310
248
186
124
Monthly incomes
1,240
1,033
827
620
413
Loans for furniture (in dollars)
Interest (annual %)
8.50%
8.50%
8.50%
8.50%
8.50%
Term (in months)
60
60
60
60
60
Sum
30,000
25,000
20,000
15,000
10,000
Monthly premium
615
513
410
308
205
Monthly incomes
2,052
1,710
1,368
1,026
684
Loans for furniture (in lek)
Interest (annual %)
15.50%
15.50%
15.50%
15.50%
15.50%
Term (in months)
60
60
60
60
60
Sum
3,600,000
3,000,000
2,500,000
2,000,000
1,000,000
Monthly premium
86,591
72,160
60,133
48,106
24,053
Monthly incomes
288,638
240,532
200,443
160,355
80,177
Financed:
Loans for housing: maximum 75 % of value of apartment
Loans for furniture maximum 30.000 USD
Guarantees:
Mortgage 140 % of loan value
required documentation:
1. For employed individuals:
- Notarised copy of passport
- Confirmation for monthly family incomes
- Certificate from real estate registration office and documents confirming property origin
2. For individuals with small businesses
- Notarised copy of passport
- Last year's license
- Certificate from real estate registration office and documents confirming property ori
LOANS FOR NEW CARS
(In USD, Dollars)
Interest (annual %)
8.00%
8.00%
8.00%
8.00%
8.00%
Term (in months)
36
36
36
36
36
Sum
20,000
15,000
10,000
8,000
5,000
Monthly premium
627
470
313
251
157
Monthly incomes
2,089
1,567
1,045
836
522
(in ALL, Lek)
Interest (annual %)
13.50%
13.50%
13.50%
13.50%
13.50%
13.50%
Term (in months)
36
36
36
36
36
36
Sum
2,400,000
2,000,000
1,800,000
1,500,000
1,000,000
800,000
Monthly premium
81,445
67,871
61,084
50,903
33,935
27,148
Monthly incomes
271,482
226,235
203,612
169,676
113,118
90,494
Financed :
Up to 65 % of car value
Guarantees:
New car+ KASKO insurance
required documentation
for employed individuals:
- Notarized copy of passport
- Confirmation of salary
for individuals with small businesses
- Notarized copy of passport
- Last year's license
For individuals with medium or big businesses (shpk or sha)
- Legal documentation of company
- Last year's balance sheet submitted to tax office
OTHER ADDITIONAL SERVICES:
Payment for telephone services from AMC and VODAFONE.
Payment for fixed telephony services contracted with Albtelecom
Payment for customs clearance of goods for district customs offices.
Different payments to the benefit of Local Tax Office in Tirana, Large Taxpayers' Office and respective VAT
Banking System in Albania 
