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Financings


Benefit from the best UBA Bank offers, to have everything you want.

We are pleased to inform that recently United Bank of Albania (UBA Bank) has launched new financing products, tailored to its individual clients.

We are aware that your financial needs fluctuate over time, and often are unpredictable. The following are representing UBA's individual financial products that will give you immediate and sustainable solutions to your needs.


  • Are you having UNEXPECTED EXPENSES?

    UBA BANK offers you easy access to additional funds, thanks to its "Overdraft" financing product, with preferential conditions as below:
     
    Main condition:         
    -    Regular monthly income, over current account.
     
    Currency: 
    -    LEK, EURO.
     
    Maximum amount: 
    -    Up to three (3) monthly salaries per employee.
     
    Approval time: 
    -    At the request of the client, overdraft will be available within 24 hours.
     
    Overdraft extension: 
    -    The bank will automatically approve a new overdraft after 12 months, under regular account inflow.
     
    Who can benefit? 
    -    Every customer who receives the salary at UBA’s current account.
     
    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising,

    We’d love to hear from you! 

    Individual Financing Application Form

     
  • UBA FINANCING FOR CONSUMER NEEDS

    Accomplish your needs, with the latest individual financing product delivered by UBA Bank.

    You may apply for:

    Purpose:
     Purchase of electronic equipment’s, furniture’s etc.

    Maximal amount:
    EUR 7,500/USD 7,500/LEK 1,000,000.

    Maturity:
    Up to 5 years.

    Benefits:
    -    Convenient profit rates;
    -    Express application processing procedure;
    -    1% discount in cases of regular repayment estimated during the whole maturity period.

    Documentation required:
    -    ID for the client and the guarantor;
    -    Updated family certificate (of the last 3 months);
    -    Statement of incomes for the client and the guarantor;
    -    Copy of the electricity booklet;
    -    Other documents required by the legislation in power.

    Note: UBA Bank have the right to require to the client additional documents, considered as necessary to further evaluate the client’s case.   

    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising,

    We’d love to hear from you!

    Individual Financing Application Form

     

  • UBA CASH COLLATERAL FINANCING

    Accomplish your immediate and/or unexpected needs!

    Qellimi i ketij produkti konsiston ne ofrimin e nje financimi afat shkurter ose afatmesem, i disponueshem per te gjithe klientet e UBA Bank, te cilet zoterojne Llogari Depozite me Afat, e cila do te perdoret si kolateral ne momentin e financimit per nevojat e tyre imediate dhe/ose te paparashikuara.

    Main features:

    Profit rate:
    -    2% over the Wakala Time Deposit account.

    Maturity:
    -    Up to 5 years.

    Cases when the financing is in different currencies than of the deposit:
    -   for the same currency, the deposit should be 110% of the financing amount;
    -   for different currency, the deposit should be 125% of the financing amount.

    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising.

    We’d love to hear from you!

    Individual Financing Application Form

  • UBA HOME PURCHASE FINANCING/BUY OUT OF HOME PURCHASE FINANCING

    Accomplish your needs, with the latest individual financing product delivered by UBA Bank.

    You may apply for:

    Purpose:
           -        Purchase, construction or re-construction of home;
           -       Buy Out of Home Purchase loan from other banks.

    Maximal amount:
    -        EUR 150,000/USD 150,000/LEK 20,000,000.
    Maturity:   
    -        Up to 15 years.

    Bank participation:
          -    Up to 90% of the home value.

    Buy-Out:
    UBA Bank will consider applications where the required financing concerning remaining outstanding of the client at other banks, will comprise minimum 70 % of the original financing.

    Benefits:
    -        Convenient profit rates;
    -        Partnership financing;
    -        Express application processing procedure;
    -        1% discount in cases of regular repayment, covering the whole maturity period.

    Documentation required:
    -        ID for the client and the guarantor;
    -        Updated family certificate (of the last 3 months);         
    -        Statement of incomes for the client and the guarantor;
    -        Fresh certificate of ownership for the collateral, with the lay out and the map of property; and verification document proving that the property is free from any obligation;
    -        Documents about the property which will be purchased;
    -        Copy of the electricity booklet; 
    -        Other documents required by the legislation in power.
    Note: UBA Bank have the right to require to the client additional documents, considered as necessary to further evaluate the client’s case.   

    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising,

    We’d love to hear from you!

    Individual Financing Application Form 

  • UBA HOME REMODELING FINANCING/BUY OUT OF HOME REMODELING FINANCING

    Accomplish your needs, with the latest individual financing product delivered by UBA Bank.

    You may apply for:

    Purpose:
    -        Home remodeling;
    -        Buy Out of Home Remodeling loan from other banks.

    Maximal amount:
                -       EUR 35,000/USD 35,000/LEK 5,000,000.

    Maturity:  
    -        Up to 10 years.

    Bank participation:
           -    Up to 90% of the home value.

    Buy-Out:
    UBA Bank will consider applications where the required financing concerning remaining outstanding of the client at other banks, will comprise minimum 70 % of the original financing.

    Benefits:
    -        Convenient profit rates;
    -        Partnership financing;
    -        Express application processing procedure;
    -        1% discount in cases of regular repayment, covering the whole maturity period.

    Documentation required:
    -        ID for the client and the guarantor;
    -        Updated family certificate (of the last 3 months);         
    -        Statement of incomes for the client and the guarantor;
    -        Fresh certificate of ownership for the collateral, with the lay out and the map of property; and verification document proving that the property is free from any obligation; 
    -        Documents about the property which will be purchased/ renovated/built;
    -        Copy of the electricity booklet;
    -        Cost projection for the realization of the predictable works;
    -        Other documents required by the legislation in power.

    Note: UBA Bank have the right to require to the client additional documents, considered as necessary to further evaluate the client’s case.   

    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising,

    We’d love to hear from you!

    Individual Financing Application Form 

  • UBA MORTGAGE FINANCING

    Accomplish your needs, with the latest individual financing product delivered by UBA Bank.

    You may apply for:

    Purpose:

    -        Purchase of an apartment, villa or land;

    -        Re-construction of an existing property;

    -        Payment of various liabilities.

    Maximal amount:      

    -        EUR 150,000/USD 150,000/LEK 20,000,000.

    Maturity:  

    -        Up to 15 years.

    Bank participation:

           -    Up to 90% of the home value.

    Benefits:

    -        Convenient profit rates;

    -        Partnership financing

    -        Express application processing procedure;

    -        1% discount in cases of regular repayment, covering the whole maturity period.

    Documentation required:

    -        ID for the client and the guarantor;

    -        Updated family certificate (of the last 3 months);         

    -        Statement of incomes for the client and the guarantor;

    -        Fresh certificate of ownership for the collateral, with the lay out and the map of property; and verification document proving that the property is free from any obligation;

    -        Documents about the property which will be purchased, reconstructed, remodeled;

    -        Copy of the electricity booklet;

    -        Other documents required by the legislation in power.

    Note: UBA Bank have the right to require to the client additional documents, considered as necessary to further evaluate the client’s case.   

    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising,

    We’d love to hear from you!

    Individual Financing Application Form 

  • UBA CAR PURCHASE FINANCING

    You may apply for:

    Purpose:
           -    Purchase of new or used car.

    Maximal amount:      
    -        EUR 35,000/USD 35,000/LEK 5,000,000.

    Maturity:  
    -        Up to 5 years.

    Client participation:
           -        Minimum of 20%. 

    Benefits:
    -        Convenient profit rates;
    -        Partnership financing
    -        Express application processing procedure;
    -        1% discount in cases of regular repayment, covering the whole maturity period.

    Documentation required:
    -        ID for the client and the guarantor;
    -        Updated family certificate (of the last 3 months);         
    -        Statement of incomes for the client and the guarantor;
    -        Documents about the property which will be purchased;
    -        Copy of the electricity booklet;
    -        Offer for purchasing the car;
    -        Copy of libret circulation;
    -        Other documents required by the legislation in power.

    Note: UBA Bank have the right to require to the client additional documents, considered as necessary to further evaluate the client’s case.   

    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising,

    We’d love to hear from you!

    Individual Financing Application Form

     

     

Address

Adress: Rr. “Dritan Hoxha”,
Nd. 11, H. 3, Njesia Bashkiake Nr.7,
Postal Code 1023, PO Box 128,
Tirana,
E-mail: info@uba.com.al

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