AL
EN
IT
ES
DE
RU
EL
PL
CS
Information
According to data published by Bank of Albania, housing loans for individuals recorded strong growth during 2025, reaching 675 million. Compared to 2024, this represents an increase of around 25%, confirming the positive trend in the real estate market and the growing demand for home financing.
Data from the last 5 years show a continuous expansion in lending for residential properties:
2020 → 278 million
2021 → 417 million
2022 → 483 million
2023 → 509 million
2024 → 540 million
2025 → 675 million
1. High demand for apartments
The growth of the urban population and increased interest in real estate investments have significantly boosted housing demand, especially in Tirana and coastal areas.
2. Property investment seen as safer
In a market affected by inflation and economic uncertainty, many individuals consider buying apartments a safer way to preserve and grow capital.
3. Increase in mortgage-backed purchases
Banks have expanded financing for individuals by offering more flexible products and longer repayment periods, encouraging more families to enter the market.
Most demand continues to focus on Tirana, where new residential projects and urban development are keeping the market active. Areas such as Blloku, Komuna e Parisit, Don Bosko, and Astiri remain among the most sought-after.
Market experts expect interest in home purchases to remain high in the coming months, although the pace of growth may be affected by interest rates and apartment prices.
However, the current trend shows that Albanians continue to view property as one of the most important and safest long-term investments.
