The real estate sector reaches "peak"/ Attracts over 5 times more financing from banks in November 2025 than a year ago
The latest data from the "Bank of Albania" shows that new loans to private non-financial corporations have reached a record level of 23.3 billion lek in November 2025, reflecting a strong increase compared to 15.2 billion lek in the same period in 2024. Compared to October, the value is also up by almost 17%.
The real estate sector appears to be a key part of this dynamism, marking among the most significant increases, with new loans reaching 2.83 billion lek in November 2025, up from 487.6 million lek in 2024. This is the highest level recorded historically, indicating a particular interest in the real estate sector.
The November analysis for the period 2016-2025 shows that, while total loans to private non-financial corporations have fluctuated, the real estate sector has shown significant growth in recent years, reflecting a greater focus on long-term investments.
Even if we analyze new credit for this sector for each month in the last ten years, we see that November of last year reaches the second highest value.
Loan flows show that banks and financial institutions are willing to support companies in this sector by providing loans. This development indicates not only good access to capital, but also the need for careful financial management to avoid potential risks.
However, on the other hand, the strong growth of credit and the intensification of construction in the country raise serious questions about the sustainability of this model. Despite the high flow of investments, the purchasing power of citizens remains limited, while housing prices continue to be unaffordable for a large part of the population.
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