How to Verify the Mortgage Extract (Step by Step)

When you're ready to sign a rental agreement for an apartment in Tirana, one of the most important checks you should perform is verifying the mortgage extract. This document shows whether the property has encumbrances, mortgages, or legal issues that could complicate your life later. Here's how to do it step by step.

What is a mortgage extract and why you need it

A mortgage extract is an official document issued by the Office of Property Registration (ZRPP) that shows the legal history of a property. It reveals whether there are bank mortgages, seizures, ownership disputes, or if the property is involved in legal proceedings.

Even if you're a tenant and not a buyer, this check is useful. If the owner has an unpaid mortgage and the bank starts enforcement, you could end up evicted through no fault of your own. When you browse listings on our platform, always request the extract before signing the contract.

Step 1: Request the extract from ZRPP

The mortgage extract is issued only by the Office of Property Registration. You can obtain it in two ways:

• In person at the counter – go to ZRPP Tirana (Kavaja Street, near the Ministry of Finance). Take a queue number and wait. It usually takes 20–40 minutes.
• Online through e-Albania – log into the e-albania.al portal with your digital ID and request the "Mortgage extract" service. It's faster and you'll receive it within the day.

The fee is around 200 lek (just over €1.5). To request it online, you'll need the property's cadastral number – ask the owner for this number or find it on the property certificate.

Step 2: What documents you need

If you go in person, bring:

• ID card (original and photocopy)
• Cadastral number of the property you want to verify
• 200 lek in cash (some offices also accept cards)

If you do it online, you only need a digital ID and the cadastral number. The system generates the document automatically and sends it to your email.

Step 3: What to check in the extract

When you have the extract in hand, carefully read these fields:

• Owner's name – must match the person negotiating with you. If someone else claims to be the owner but the name doesn't match, this is a red flag.
• Surface area and address – check that it matches what you've seen physically.
• Encumbrances and mortgages – if there's an active bank mortgage, ask the owner if they're paying regularly. An unpaid mortgage can bring problems.
• Seizures or disputes – if the property is in legal proceedings or has seizures, avoid it completely. Don't sign a contract.
• Registration date – the property must be registered with ZRPP. If it's not, you have no legal security.

If you see something unclear, consult with a lawyer or notary before proceeding.

Step 4: Keep the copy and request it again on contract date

A mortgage extract has practical validity – it shows the status at the moment it's issued. So if you extract it today and sign the contract in 3 weeks, request it again. During this time the owner might have taken a new loan or encumbered the property with other charges.

Keep the extract copy together with the rental agreement. In case of problems, it will have value as evidence.

Conclusion

Verifying the mortgage extract is a simple but critical step. It costs only 200 lek and 30 minutes of time, but protects you from serious complications. If you're an owner and want to advertise your property on Zgjedhja Ime, have this document ready – serious tenants ask for it. We work with owners at zero commission, and tenants pay only 50% of the first month's rent when they move in. No hidden fees, only transparency.