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4. Challenges in the Sector

Despite advancements, the sector faces significant hurdles:

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To illustrate real-world impact, consider the story of the Jashari family from Elbasan. In 2022, they found a two-bedroom apartment priced at 4,200,000 ALL (approx. 37,000 EUR). A commercial bank offered an 8.5% interest rate with a 30% down payment (1,260,000 ALL). The name of the product or service Your

Step 4: Submit a Direct Request via the e-Albania Portal

In 2023, HDMA integrated its backend with the government’s e-Albania portal. From www.hdma.al, you can click a link that redirects you to a pre-filled e-Albania application, using your digital ID. This reduces paperwork from 15 pages to 3. Making a reasonable assumption that you want a

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