Over 30 years of work to buy a home - The state will continue to guarantee loans for teachers
Prime Minister Edi Rama recently announced that he will continue the program for the state to guarantee loans for the purchase of housing for police officers, teachers, doctors and nurses. These relief schemes of zero-interest loans are increasingly being treated as a necessary social instrument, not simply as a financial convenience.
If we take the case of teachers, the scheme began to take concrete shape for pre-university education in 2024, when 30 quotas were approved for teachers, while in 2025 it was significantly expanded, with 90 quotas for the Ministry of Education and Sports alone, within a total of 530 quotas for the public administration. The application is made on e-Albania, the selection goes through a points system and the conditions are clear: the applicant must not own a home, or must have it below the housing standards, must not own significant assets and must not be a beneficiary of other social housing programs.
The problem this scheme is trying to solve is the inverse relationship between salary and housing prices. A teacher in pre-university education has an average salary of around 84 thousand lek net.
A simple calculation immediately shows the gap. For a standard 90 square meter apartment on the outskirts of Tirana, such as in Paskuqan, the indicative price comes out to around 94 thousand euros, while in Astir it is around 148 thousand euros. With the current salary, a teacher would need around 7.5 years of work just for an apartment in Paskuqan and almost 12 years for an apartment in Astir, if he were to spend his entire salary just on the house. Meanwhile, if he saves only 30% of his net salary, the term goes to around 31 years in Paskuqan and almost 49 years in Astir.
Even in districts where the market is cheaper, the difference remains strong. In Elbasan, Korça and Fier, a 90 square meter apartment costs approximately 89 thousand to 95 thousand euros. Here too, a teacher would need about 7 to 7.6 years of gross salary, while with a realistic saving of 30% of the net salary, the time goes to approximately 29 to 31 years. This means that even outside of Tirana, housing remains difficult to afford with salary income alone. The situation becomes even more difficult if the interest rate of the loan is calculated. This is precisely where the reason why state intervention is seen as necessary comes in, and not only is it about 0 interest, but the state plays the intermediary role and guarantees financial institutions in case of default.
Albanians' savings are "slowed down" - BoA: Modest contraction in lek and foreign currency, but the banking system remains stable
After strong growth at the beginning of the year, Albanians' savings are showing the first signs of a slight cooling. According to newly published data from......
Skënder Hita appointed General Director of the State Police
Today, at the meeting of the Council of Ministers, the decision to grant the rank of Major Director and appoint the General Director of the State Police, Mr.......
Which sectors have the most violations at work? - Inspections from complaints increase by 40%. Tirana leads
During 2025, the Labor Inspectorate recorded a significant increase in inspections initiated as a result of denunciations and complaints from citizens. A......
13th salary for administration employees - Kosovo Government approves the decision. It comes into force on Tuesday
The Kosovo government has approved the decision to provide the 13th salary to all public sector employees. Prime Minister Albin Kurti said that this decision......
Online incidents increase by 46%/ Tirana and Fier lead the cases, most are related to social networks
Despite the many benefits that social networks and internet access offer, one of the biggest concerns, especially for young people, remains the risks......
125 thousand employees submit DIVA 2025 - Deadline March 31, 2026, who must declare
As the deadline approaches, over 125,000 employees across the country have completed the Annual Individual Income Tax Declaration, DIVA 2025, by March......
Where is it worth living in 2026? - The "golden" list of the 10 best cities in Europe
European urban life is rapidly transforming, as a new comprehensive study for 2026 reveals which cities are managing to balance quality of life, economic......
DPSHTRR: 151% increase in fully electric vehicles
The General Directorate of Road Transport Services (DPSHTRR) informed today that during the period January - February 2026, 1,712 All-Electric vehicles were......
