Buying · Banks and auctions
Bank-owned property and bailiff auctions
Banks sell property they own through an ordinary sale at a notary, while bailiffs auction debtors' property under the Code of Civil Procedure. At an auction the price starts at 80% of the value the bailiff set, you deposit 10% to take part, and the winner pays the rest within 15 days. Here you find the listings on hyrja.al, the banks' own pages and the rules step by step.
Written by Galip Sulaj, founder of hyrja.al
- Starting price of a first auction, from the value the bailiff set (KPC, art. 568)
- 80%
- Deposit before the auction, from the announced price (KPC, art. 570)
- 10%
- To pay the rest of the price after the auction (KPC, art. 574)
- 15 days
Auctions and bank-owned property on hyrja.al
Listings from banks, bailiffs and the agencies that sell for them. For an auction, the price you see is the starting price; an auction leaves the list by itself after its last day.
Open auctions
No open auctions on hyrja.al right now
Bailiffs announce auctions at their office, at the property, in court, at the municipality and in two national newspapers, and there is no single official online register. When a bailiff, bank or agency lists one here, it appears in this row.
Bank-owned property
No bank-owned property listed here yet
Ten banks publish the properties they sell on their own sites. Until they appear here, you can browse them there, bank by bank.
Get an email when one is listed
Leave your email and we will write as soon as an auction or a bank-owned property is published on hyrja.al. No account needed.
Where banks publish the properties they sell
On 1 October 2026 we found such pages at 10 banks. A bank sells as the registered owner, with a contract at a notary and registration at ASHK (Law no. 111/2018, art. 42), so the checks of any purchase apply. Prices and terms are the bank's own: ask for them in writing before you make an offer.
BKT
Page: “Pronat Tona”
- What you find
- Search by type, city, price and area, plus the full list as a PDF. The published price is indicative; the bank tells you the final one.
- How to express interest
- With the “kërkesë-ofertë” (request and offer) form, by email or by post to a branch or the head office. On it you also choose how to pay: in full, in instalments, with a loan or by financial leasing.asc@bkt.com.al
Raiffeisen Bank
Page: “Prona në shitje”
- What you find
- Properties by city, with the property number, the cadastral zone and notes such as “with an ownership certificate”.
- How to express interest
- By email. The bank writes that the costs and taxes of the sale, and any arrears on the property, are paid by the buyer.prona@raiffeisen.al
Intesa Sanpaolo Bank
Page: “Prona”
- What you find
- Category, area, photos, location on a map and the minimum acceptable price.
- How to express interest
- By email. A separate page lists the bank's collateral that bailiffs sell at auction.prona@intesasanpaolobank.al
OTP Bank
Page: “OTP Bank Prona”
- What you find
- Flats, business property, land and olive groves by city, on a site of its own, prona.otpbank.al.
- How to express interest
- By email; agents can also register on the site.prona.al@otpbank.al
Credins Bank
Page: “Prona për Shitje”
- What you find
- Properties “officially listed as available for sale”, with description, location and terms of sale.
- How to express interest
- With the contact form or by email.info@bankacredins.com
Tirana Bank
Page: “Lista e pronave”
- What you find
- Filters by city, type, area and price in lek; each property has its own code.
- How to express interest
- By email to the sales department.propertysales@tiranabank.al
Union Bank
Page: “Njoftime për prona në shitje”
- What you find
- Notices of properties the bank owns and sells.
- How to express interest
- By email.info@unionbank.al
ProCredit Bank
Page: “Pronat në shitje”
- What you find
- Filters by city, type and price in euro, plus a “Pronat në ofertë” (properties on offer) section.
- How to express interest
- By phone.+355 4 2 389 389
Fibank
Page: “Prona në shitje”
- What you find
- “Prona në shitje” in the main menu, with filters by city, type and price in euro.
- How to express interest
- By the phone number given with each property.
ABI Bank
Page: “Abi Prona”
- What you find
- Filters by city, type and area, and a separate filter for properties at auction.
- How to express interest
- By email.prona@abi.al
Bank pages checked on 1 October 2026. Banks change their pages, so what the bank writes always comes first.
Bank logos and names belong to the banks concerned. hyrja.al is not their partner; the links go to their official sites.
How a bailiff auction works
The auction is run by a bailiff: the state bailiff service or a private bailiff licensed under Law no. 10031/2008. The bailiff sells the debtor's property to pay the creditors, often a bank, but does not sell as the owner: the debtor stays the owner until the bailiff's decision transferring ownership. The rules are in the Code of Civil Procedure (KPC), articles 563 to 580, and in the Council of Ministers instruction no. 5 of 12 December 2012.
Where auctions are announced
The announcement is posted at the bailiff's office, at the property, in court, at the municipality or administrative unit and in other public places, and printed for 5 days in a row in the two national newspapers with the largest circulation (art. 568). There is no single official online register of all auctions. Some banks publish the auctions of their collateral: Intesa Sanpaolo Bank on its “Ankande nga Zyra Përmbarimore” page and ABI Bank with a filter on “Abi Prona”. For details, the bank sends you to the bailiff.
The announcement states the owner's name, whether the property has a mortgage and for what amount, the starting price, and the place and day the sale ends.
The steps, from seizure to the keys
- Within 15 days
Seizure and value
The bailiff checks that the property belongs to the debtor. If creditor and debtor do not agree on its value within a week, the bailiff sets it by decision within 15 days, with a licensed expert.
KPC, arts. 563 and 564
- 10 days to pay
Notice to the debtor
The debtor has 10 days to pay. After that, the bailiff announces the auction.
KPC, art. 567
- At least 15 days before the sale
Announcement and starting price
The starting price of a first auction is 80% of the value set. The sale cannot take place until 15 days have passed since the announcement.
KPC, art. 568
- Before the auction
The deposit
You deposit 10% of the announced price at the bailiff's office. Under the 2012 instruction you also bring an identity document, the bid security form and a statement that you have no conflict of interest with the bailiff; a company also brings its QKB certificate and tax number (NIPT).
KPC, art. 570; instruction no. 5/2012
- 15 days
Bids
The auction runs for 15 days and closes with the office hours of the last announced day. Every bid is signed into the minutes; if someone represents you, they show a notarial power of attorney. The highest bid wins, and bidders who lose get their deposit back right after the auction.
KPC, arts. 569, 571 and 573
- Within 15 days
Payment
The winner pays the price minus the deposit within 15 days of the end of the auction, together with the tax on the sale. If you do not pay in time, you lose the deposit.
KPC, arts. 574 and 576
- Within 10 days
Ownership and possession
After payment, the bailiff issues the decision transferring ownership and puts you in possession within 10 days, also against whoever holds the property.
KPC, arts. 574 and 575
- After the decision
Registration at ASHK
The bailiff's decision is registered at the cadastre agency (ASHK), like every bailiff's act that transfers ownership.
Civil Code, art. 193; Law no. 111/2018, art. 24
If nobody bids
- Second auction
Within 10 days the bailiff sets a new price, and the second auction takes place 30 days after it is set.
- Third auction
If nobody bids at the second auction either, a new price is set again and a third auction follows.
- Offer to the creditor
If nobody bids at the third, the bailiff offers the property to the creditor against the debt. If the creditor does not accept within 30 days, the seizure is lifted.
Article 577 of the KPC sets the limits of each price cut. Ask the bailiff how the new price was calculated: the decision can be appealed in court.
Sources: Code of Civil Procedure · Instruction no. 5/2012 · Law no. 10031/2008 · Civil Code · Law no. 111/2018
Bank sale or bailiff auction: the differences
A bank sells property it owns like any other: with a notarial deed and registration at ASHK. At an auction, the bailiff sells the debtor's property under the rules of the KPC.
| Point | Sold by the bank | Bailiff auction |
|---|---|---|
| Who sells | The bank, as the registered owner | The bailiff, for the creditors; the owner is the debtor |
| Price | Set by the bank: indicative at BKT, the minimum acceptable price at Intesa | Starts at 80% of the value the bailiff set with a licensed expert |
| Deposit | On the bank's terms | 10% of the announced price, before the auction; returned if you do not win |
| Payment | As agreed, at the notary; BKT's form offers full payment, instalments, a loan or financial leasing | The rest within 15 days, or the deposit is lost |
| Transfer of ownership | Contract at a notary and registration at ASHK | The bailiff's decision after full payment, registered at ASHK |
| Condition and occupants | You can visit; ask in writing whether anyone lives there and when the keys are handed over | Bought as it is, sometimes without seeing inside; the law gives possession within 10 days, but vacating can take longer |
| Appeals | An ordinary sale at a notary: the checks of any purchase apply | Parties can challenge the bailiff in court within 5 days, and a third party claiming ownership can still sue |
| Financing | Possible if the lending bank accepts the property as collateral; the Bank of Albania limits apply | Possible, but you have only 15 days to pay: talk to the bank before you deposit |
Who sells
- Sold by the bank
- The bank, as the registered owner
- Bailiff auction
- The bailiff, for the creditors; the owner is the debtor
Price
- Sold by the bank
- Set by the bank: indicative at BKT, the minimum acceptable price at Intesa
- Bailiff auction
- Starts at 80% of the value the bailiff set with a licensed expert
Deposit
- Sold by the bank
- On the bank's terms
- Bailiff auction
- 10% of the announced price, before the auction; returned if you do not win
Payment
- Sold by the bank
- As agreed, at the notary; BKT's form offers full payment, instalments, a loan or financial leasing
- Bailiff auction
- The rest within 15 days, or the deposit is lost
Transfer of ownership
- Sold by the bank
- Contract at a notary and registration at ASHK
- Bailiff auction
- The bailiff's decision after full payment, registered at ASHK
Condition and occupants
- Sold by the bank
- You can visit; ask in writing whether anyone lives there and when the keys are handed over
- Bailiff auction
- Bought as it is, sometimes without seeing inside; the law gives possession within 10 days, but vacating can take longer
Appeals
- Sold by the bank
- An ordinary sale at a notary: the checks of any purchase apply
- Bailiff auction
- Parties can challenge the bailiff in court within 5 days, and a third party claiming ownership can still sue
Financing
- Sold by the bank
- Possible if the lending bank accepts the property as collateral; the Bank of Albania limits apply
- Bailiff auction
- Possible, but you have only 15 days to pay: talk to the bank before you deposit
Sources: Code of Civil Procedure · Law no. 111/2018
How much you need, and when
Enter the value set by the bailiff, or the announced starting price, and your bid. The calculator follows the rules above: starting price 80%, deposit 10%, payment within 15 days.
From the bailiff's decision on the value of the property.
The auction starts from the starting price.
- Starting price (80% of the value)
- €80,000
- Deposit before the auction (10%)
- €8,000
- Your bid
- €85,000
- To pay within 15 days if you win
- €77,000
Sources: Code of Civil Procedure
The risks of buying at auction
The main risks concern the property's condition, the people who hold it and legal challenges. Some you can avoid with checks, some you cannot.
The property is occupied
The law gives you possession within 10 days of payment, also against third parties (art. 575), but in practice vacating can take longer. Ask the bailiff in writing who lives there and on what basis.
Claims by third parties
A sale at auction does not stop someone who claims to be the real owner from suing for the property (art. 580).
Appeals against the bailiff
Parties can challenge a bailiff's action in court within 5 days, and the court decides within 20 days. An appeal does not suspend the enforcement unless the court decides otherwise (art. 610). The debtor can also ask for the enforcement title to be declared invalid (art. 609).
Only a share of the property
When the property is co-owned and only one co-owner has the debt, only that share is enforced; the whole property is sold only with the other co-owners' notarial consent (art. 578).
Mortgages
A mortgage ends when the price of the forced sale is paid to the mortgage creditors in their order (Civil Code, art. 583), but removing it from the register takes the creditor's notarial consent or a court decision (art. 584). Check that it is removed.
Physical and legal condition
You may not be able to see inside. The bailiff's information must refer to the ownership act and describe the property's condition, but ask separately about the permit, legalisation and unpaid taxes, bills or building fees.
You lose the 10% deposit if you do not pay the price within 15 days (KPC, art. 576). Don't bid until you have the whole amount ready or a clear approval from the bank.
Sources: Code of Civil Procedure · Civil Code · Instruction no. 5/2012
Checks before you bid or make an offer
Before the auction
- You have read the full announcement: the owner, the mortgage and its amount, the starting price, the place and the closing day
- You have the bailiff's information on the property and the decision on its value
- You have a property card from ASHK with the property number and cadastral zone
- The card shows the debtor as the owner and the bailiff's seizure
- You know whether there are co-owners and whether the whole property or only a share is sold
- You have asked in writing who lives in or uses the property
- You have checked the building permit, legalisation or occupancy certificate
- You have compared the price with similar properties in the area
- You have the deposit and the rest ready, or the bank's approval, within 15 days
- If you cannot attend, your representative has a notarial power of attorney
Before you send an offer to a bank
- You have the property number, the cadastral zone and a freshly issued property card
- The card shows the bank as the owner and no other encumbrances
- You have visited the property, or someone you trust has
- You know whether anyone lives in or uses it and when the keys are handed over
- You have asked in writing about taxes, bills and arrears
- You have checked the permit, legalisation or occupancy certificate
- You have compared the price with similar properties and with the reference price
- You have worked out the notary's fee and the ASHK fees
- If you need a loan, you have spoken to the bank before making the offer
- The offer, the price and the deadlines are in writing
Who may not bid at an auction
The debtor, the debtor's legal representative, the bailiff and the persons in article 709 of the Civil Code, for example the officials in charge of the sale, and judges, prosecutors, notaries and lawyers for matters where they serve. If one of them buys, the sale is void and the deposit goes to the state (KPC, art. 572).
Living abroad? You can take part through a representative with a notarial power of attorney (KPC, art. 571). The deposit must be paid before the auction starts. Buying property from abroad
Sources: Code of Civil Procedure · Civil Code
Related guides
Do you sell bank-owned property or auctions?
Banks, bailiffs and agencies can list them on hyrja.al for free, marked as a bank sale or a bailiff auction, so buyers find them here. Have many properties to publish? Write to us.
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