RESOURCES / PLAN WITH CONFIDENCE

Refinancing calculator

Compare your current loan with a new offer, including fees.

Your scenario

Initial values are examples. Enter the figures from your offer.

Outstanding loan balance (€)Current annual interest (%)Remaining term (years)New annual interest (%)New term (years)Upfront costs / fees (€)

New payment528 €

Current payment675 €

Remaining payments · current loan121.515 €

Payments · new loan + fees128.212 €

Increase in total payments6.696 €

Fees are paid upfront, outside the new loan. Include any costs of closing the current loan. A lower payment may result from a longer term and increase total interest.

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How to read the result

Simulation with fixed interest and monthly repayments, with no rate changes during the term. This is not a loan offer or bank approval. Taxes, insurance and maintenance are included only if entered as costs. Rounding is for display only; the bank’s actual schedule may differ.

Compare the effective annual interest rate, fees and terms of the offer as well. Read the CBK guide (Albanian) ↗