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2026-10-30 11:50:00Aktualitet SHKRUAR NGA REDAKSIA VOX

The Tirana Municipal Council has approved the list of 1,737 new winners of the social program " For the Subsidy of Loan Interest ", creating opportunities for beneficiary individuals and families to secure financing with favorable conditions for the purchase of a home in the capital.

The final list of beneficiaries was approved at the October meeting of the Municipal Council, paving the way for the continuation of procedures at second-tier banks for obtaining soft loans, the interests of which are subsidized by the state budget.

The loan interest subsidy program has been implemented for several years by the Municipality of Tirana and was one of the first initiatives of Mayor Erion Veliaj at the beginning of his term, with the aim of facilitating access to housing for individuals and families who find it difficult to afford the costs of purchasing an apartment.

Through this mechanism, beneficiaries are financially supported to obtain bank loans for the purchase of a home, benefiting from the state's subsidization of part of the interest.

Under the terms of the program, the loan is repaid at an interest rate of 3%, reducing the monthly financial burden for beneficiary families compared to standard lending terms on the market.

After the approval of the list by the Municipal Council, the 1,737 winners can present themselves to the second-tier banks with which the Municipality of Tirana has a cooperation agreement, to continue the application procedures and benefit from the soft loan.

The benefit of the loan remains conditional on meeting the bank's assessment criteria, while the amount that can be financed for each applicant is determined based on the number of family members and other program criteria.

The approval of the list comes at a time when buying an apartment in Tirana has become increasingly expensive, as a result of the increase in real estate prices in recent years.

This situation has made access to the housing market difficult, especially for young couples and families with low or middle incomes, who often cannot afford the monthly installments of a loan with ordinary interest rates.

Under these conditions, loan interest subsidy constitutes a supporting instrument for reducing the cost of financing and creating more favorable opportunities for purchasing a home.

With the approval of 1,737 new beneficiaries, the soft loan program continues to remain one of the instruments of social housing policies in the Municipality of Tirana, enabling selected families to take the next step towards securing a home of their own.

FULL list of winners:

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