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Kredi per shtepi

Make your dream home happen

Realize your dream of the ideal home. Finance the purchase with a home loan and start a new chapter in your life.

  • Fixed interest rate 4% for the first 10 years with APR 4.05%
Apply now

The offer is valid until December 31, 2026. After the fixed interest rate period, standard rates will apply according to the customer segment at Raiffeisen Bank.

Note: Borrowing is a financial responsibility and involves costs. Get informed well before making a decision.

Interest Rates

The standard interest rates that will apply after the period with fixed interest rates of the promotional offer

Home Purchase Loan in LEK

  • Variable interest rate starting from Treasury Bond + 2.30% (minimum 3%)

Home Purchase Loan in EURO

  • Variable interest rate starting from Euribor + 6.0% (minimum 4%)

Home loans at our bank offer the following benefits:

Discover what a home loan can do and its many benefits.

Up to 21,000,000 Lek or 210,000 €

For standard bank clients

Administration Commission 1.25%

(min 25,000 ALL / max 100,000 ALL)

Terms up to 20 years

Valid for loans to purchase a home in Lek or Euro currency

Up to 100% financing of the contract sale price, with an additional collateral required

Guarantee for the loan is collateral that can be sold or an alternative collateral. Note, in some cases, two collaterals may be required for 100% financing.

kujdes kursin e konvertimit gjate marrjes se kredise hipotekore

Beware of Exchange Rate risk

Taking out a loan in a currency different from the one in which your income is generated is associated with considerable risks. For example, if your income is in lek and you take out a loan in euros, an increase in the euro-to-lek exchange rate would cause difficulty in your ability to repay the loan, because the value of the installment would increase. These difficulties could lead to failure to repay the loan, deterioration of your status to “in default,” and even the initiation of compulsory enforcement procedures by the bank.

For more information, request the Pre-Contractual Information for the Home Purchase Loan.

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Build your future in your new home

We turn the buying process into a beautiful experience.

kredi per shtepi

Example:

Loan amount: 21,000,000 lek

Administration Commission: 100,000 lek

Loan term: 20 years

Interest: 4% for the first 10 years with APR 4.05%

Loan installment: For the first 10 years, it is 127,256 lek to be paid every month (includes principal and interest)

After the first 10 years, the interest will be the 12-month Treasury Bond with variable rate each year + 2.3%

If we assume that the value of the Treasury Bond remains as it is currently, then the interest rate for the loan will be: 2.49% + 2.3% = 4.79%.

The loan installment calculated with this interest, for the following years will be 132,028 lek

The total payable amount for the loan value of 21,000,000 Lek is 31,114,089 Lek.

Apply now

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.

  • Attention! Borrowing money costs money.

Criteria

To qualify for a loan you must:

  • Be a resident in Albania
  • To have a sole proprietorship business regularly registered with the National Business Center (QKB) with at least 1 completed financial year. (In some cases, at least two completed financial years may be required.)

Documentation

  • 1

    Identification Documentation:

    • Personal identification document (if applying with a co-borrower, the document is also required for the co-borrower)
    • Family certificate

    Financial Documentation:

    • Document for income verification (with balance sheet or self-declaration; if applying with a co-borrower, the document must also be submitted for the co-borrower).
  • 2

    With self-declaration

    • Extract from the National Business Center (not older than 5 days)
    • Professional license (if applicable)
    • 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)
    • Self-Care system submission for the current year
  • 3

    With balance sheet

    • Extract from the National Business Center (not older than 5 days)
    • Professional license (if any)
    • 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)
    • FDP (Business Income Tax Declaration and Payment Form), summary of the last two years
    • Monthly FDP for the current year
  • 4

    Property Documentation:

    • Certificate of ownership for the property being purchased or to be left as collateral for the bank
    • Property fileIndicative mapDraft purchase contract
    • For the secured loan, the property being purchased or another property must be blocked for the purpose of the loan, in case the property being purchased does not have a certificate of ownership
    • You can benefit from financing up to 100% by blocking a second property as collateral for the purpose of the loan
    • Other costs that must be paid in connection with the loan: property valuation, loan contract and blocking of collateral in the ASHK
    • Life insurance and property insurance