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By using the subsidy calculator on https://www.hdma.al, they realized they qualified for the "Social Housing Scheme" because they had one child and no existing property. HDMA guaranteed 40% of the loan, reducing the required down payment to just 10% (420,000 ALL). Furthermore, the state subsidized 2.5% of the interest rate for 7 years, dropping their effective rate to 6%. : These platforms are usually designed with simple

This is the flagship social housing policy. Under this scheme, the Albanian government, via HDMA, subsidizes for eligible buyers. 000 ALL). Furthermore