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How can you get a soft loan in Tirana? Criteria and income that applicants must have

2024-10-17 12:08:01Biznes SHKRUAR NGA REDAKSIA VOX

How can you get a soft loan in Tirana? Criteria and income that applicants must

The municipality of Tirana will support with soft loans with 3 percent interest, where the rest is subsidized from the budget of this institution, all those individuals who meet the appropriate criteria.

Referring to the decision approved at the last meeting of the Municipal Council, the loan interest subsidy program will target families/individuals who do not own a home. The program aims to include and support all individuals and families residing in the territory of the Municipality. Preference in the selection will be given to young couples and young adults up to 40 years old; individuals/families of the Roma and Egyptian minority; women heads of households/violated women.

Since the loan interest subsidy will be carried out from the state budget, the agreement was concluded between the minister responsible for housing, the minister responsible for finance and the financial institution.

The main economic criterion that applicants must meet, apart from the fact that they must not own a home, is the level of income they must have.

Specifically, according to the decision, for a family with 1-2 members, who apply for a studio apartment structure, the maximum level of income should be up to ALL 79,575/month. For a family with 3 members and a 1+1 apartment, the level of income that must be met amounts to ALL 117,398/month. For a family with four members and a 2+1 apartment structure, the income level is 137,758 thousand ALL/month, and for large families of 5-6 people, with a 3+1 apartment structure, the maximum income level should be up to 146,535 ALL/month. For all categories, the minimum income level is ALL 35,520/month.

The total scoring system contains 100 points, and is divided into four categories, such as housing conditions; family conditions; social conditions; and economic conditions, where each of them has a level of 25 points. In total, 1,200 soft loans are expected to be distributed.

During the application process, individuals must submit documents verifying their economic status and living conditions.


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