Compare diaspora loans
A diaspora loan is a mortgage loan offered by banks in Albania to Albanian citizens who live and work abroad. It is primarily used to finance the purchase, construction, or renovation of a property in Albania.
What is it used for?
This type of financing enables Albanians living abroad to finance the purchase of a house, apartment, or other property in Albania without having to have the full amount available upfront.
What should you compare?
When comparing diaspora loans, pay attention to:
Interest rate
Property financing percentage
Monthly payment
Repayment period
Applicable fees and charges
Required documentation
What matters most to you?
Buying your first home in Albania — focus on the financing percentage and monthly payment.
A lower personal contribution — focus on the maximum financing percentage available.
A simpler documentation process — focus on the bank’s requirements and procedures.
Living in a specific country — focus on whether your income is eligible based on the country where you live and work.
What should you know?
Banks may apply different criteria to non-resident clients compared with resident clients. Financing terms, required documentation, and the financing percentage may vary depending on the bank, the applicant’s country of residence, and the source of income.
The database is updated as of 08.06.2026. Final terms are determined by the bank.
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FAQ
Frequently asked questions
Who can apply?
In general, Albanian citizens who live and work abroad and can document their income in accordance with the bank’s requirements.
Which countries can I live or work in?
This depends on the policies of each bank. Some banks may provide financing to clients who live or work in a specific list of countries.
What percentage of the property value can the bank finance?
The financing percentage varies depending on the bank, the client’s profile, and the property being purchased.
Do I need to be physically in Albania to apply?
Application procedures vary by bank. In some cases, part of the process can be completed remotely, while in others, physical presence may be required at certain stages.
What documents are usually required?
Typically, banks may require identification documents, proof of income, an employment contract or tax documents, as well as documentation related to the property to be financed.