FLASH NEWS
The government gives the green light to interest-free loans for certain social categories, here's who benefits
2025-07-31 22:37:23 / EKONOMI&SOCIALE
The decision that determines the responsible institutions and the procedures that families must follow to benefit from zero-interest housing loans, subsidized by the state budget, through the National Housing Authority (EKB), was approved today by the Council of Ministers.
Below are detailed procedures for applying, who benefits, and the conditions for applying for a zero percent loan.
The zero percent interest loan is offered to families living in rented former private property, families of State Police employees who have fallen on duty, and children in state care (orphans).
The application is made online by the head of the household or legal guardian, through the e-Albania government portal, in the National Housing Authority system. The required documentation includes:
Negative certificate from the Real Estate Registration Office proving that the family does not have any property in the entire territory of Albania
Or proof of a property that is below minimum occupancy standards
For the families of fallen police officers, documentation is forwarded by the Ministry of Interior at the request of the UN.
The requests are reviewed by an ad hoc committee at the UN, established within 5 days of the submission of the applications.
The commission has 10 days to review each case.
In case of rejection, the applicant has the right to file an administrative appeal within 5 days of notification.
Families approved for benefits are placed on a waiting list with no time limit, awaiting funds and implementation of procedures by financial institutions involved in the agreement with the responsible ministry.
What does the list of beneficiaries include?
The beneficiary list contains data on:
Family composition according to the family certificate
Social and housing situation
The structure of the apartment that benefits
When does the subsidy stop?
The interest subsidy is terminated in cases where:
Citizen fails to vacate owner's apartment by deadline
Forgery of documents or false declarations is detected
Serious deficiencies are discovered in the file documentation
In cases where the head of the household (in cases of renting in former private property) has passed away, the procedure continues based on the family certificate dated December 1, 1992, submitted by the EKB.
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