A: Unfortunately, no. All partner banks require proof of income via payroll tax declarations or pension certificates. HDMA’s website explicitly states that informal income cannot be accepted for anti-money laundering compliance.
Before the creation of HDMA, the Albanian mortgage market was fragmented, illiquid, and inaccessible to low- and middle-income families. Commercial banks offered high interest rates (often double digits) and required large down payments—typically 30-40% of the property value. For a country where the average monthly wage hovers around 70,000 ALL (approx. 650 EUR), saving for a down payment could take decades. httpswwwhdmaal
“Because some things cannot survive being left,” Wren said. “They vanish under the weight of ordinary life. We stitch them back together with attention.” A: Unfortunately, no
Viewers look for the brand name ("HDMaal") rather than a specific extension, because active extensions change frequently. Before the creation of HDMA, the Albanian mortgage