Secured Loans for Self-Employed Individuals (PF) Increase the power of your home
Maximize the potential of your home with a consumer mortgage loan from Raiffeisen Bank for every need or desire.
- Fixed interest rate of 4% for the first 10 years with NEI of 4.7%
The offer stands up to December 31, 2026.
Attention: Borrowing money is a finanical responsibility and icludes cost. Get well informed before making a decision.
You've invested a lot in your home. Now it's time for your home to do something for you.
Whether you need funds for home renovation, your child's education, or any other expense, a consumer loan with mortgage from Raiffeisen Bank can help you achieve your goals.
Example
Loan Amount: 5,500,000 Lek
Administration Fee: 68,750 Lek
Loan Term: 10 Years
Interest: 4% for the first 10 years with NEI 4.27%
The loan installment for 10 years is 55,684 Lek to be paid monthly (includes principal and interest)
The total amount payable for the loan in the amount of 5,500,000 Lek is 6,682,179 Lek.
For more information, download the Pre-Contract Information for Consumer Mortgage Loans.
Ready to apply
Make sure you meet the eligibility requirements for our home loan solutions and organize your documents to obtain the necessary financial pre-approval for your project.
Criteria
To qualify to get a loan you must:
- Be a resident in Albania
- To have a sole proprietorship business PF regularly registered with the National Business Center (QKB)
Dokumentation
Identification documents:
- Personal identification document (if applying with a co-borrower, the document must also be submitted for the co-borrower)
- Family certificate
Financial documents:
- Document for verifying income (with balance sheet or self-declaration; if applying with a co-borrower, the document must also be submitted for the co-borrower).
With self-declaration
- Extract from the National Business Center (not older than 5 days)Professional license (if available)
- Certificate of no liabilities at the Tax Office (not older than 5 days)
- FDP (Business Income Tax Declaration and Payment Form), summary of the last two years (if more than 1 year of activity)
- Print Screen from Self-Care for the current year (if there is no Self-Care, bring an employment contract)
With balance sheet
- Extract from the National Business Center (not older than 5 days)
- Professional license (if available)
- Certificate of no liabilities at the Tax Office (not older than 5 days)
- Last year's balance sheet (signed and stamped by an accounting expert)
- Summary FDP of the last two yearsMonthly FDP of the current year
Property documents:
- Certificate of ownership for the property being purchased or to be left as collateral for the bank
- Property file
- Indicative map
- Draft purchase contract
- For a secured loan, the property being purchased or another property must be blocked for the purpose of the loan if the property being purchased does not have a certificate of ownership
- You can benefit from financing up to 100% by blocking a second collateral for the purpose of the loan
- Other costs that must be paid in connection with the loan are: property valuation, loan contract and blocking of collateral at the ASHK
- Life insurance and property insurance
- Attention! Borrowing money costs money.
Interest rates
We offer various solutions for your loan:
Home Purchase Loan in LEK
- Variable interest rate starting from Treasury Bills + 3.05% (minimum 4%)
Home Purchase Loan in EURO
- Variable interest rate starting from Treasury Bills + 6.50% (minimum 5%)
ESG loan
- For the ESG Loan, a discount will be applied from the standard interest according to the relevant customer segments, both in Lek and Euro.