0% interest loan subsidy for housing - What are the beneficiary categories? The program is implemented by the National Housing Authority
The Council of Ministers has approved a decision in support of families in need of housing, defining the procedures and documentation for obtaining a 0% interest loan, subsidized by the state budget. The program is implemented by the National Housing Authority (EKB) and aims to ease the financial burden for certain categories of families in need of housing.
The decision clearly defines the categories that benefit from this program, including: Families residing as tenants in former private properties; Families of State Police employees who have fallen on duty; Children in the care of the Republic.
The application for the 0% interest loan is made by the head of the household/legal guardian on the government portal "e-Albania", in the system of the National Housing Authority, by uploading the certificate from the real estate registration office, that in the name of the head of the household and other family members there is no registered property or in the process of registration, or the certificate for a property that is below the housing standards, in the entire territory of the Republic of Albania.
The head of household or legal guardian must upload relevant documentation, including certificates from the Cadastre, taxes and family certificate. In the case of tenants in former private properties and children in care, additional documentation is required proving their legal and social status.
Currently, the list of families that meet the conditions to benefit from a 0% interest loan is approved by decision of the ad hoc loan commission, established at the National Housing Authority. The ad-hoc commission is established by order of the General Director of the National Housing Authority, within 5 (five) days from the submission of the requests. The commission reviews the request within 10 (ten) days from its submission. Against the commission's decision of rejection, the applicants file an administrative appeal with the National Housing Authority within 5 (five) days from the notification of the decision, in accordance with the Code of Administrative Procedures.
The loan interest subsidy measure for families provided for in this decision, for low-cost housing, is at 0 (zero)% interest. The procedure for granting loan interest subsidies is implemented by financial institutions with which the ministry responsible for housing has concluded agreements.
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