Congratulations, you have now obtained the secured loan!

However, a new phase begins for you. Here are some valuable instructions on how to manage your personal loan more easily and maintain a good credit profile.

First

Make sure to have your most up-to-date information registered with our bank to receive notifications and updates about your products.

Second

It is also important to download/register the Raiffeisen ON app, as it will show important details and information about your loan.

Installment payments

Ensure you pay your monthly loan installment regularly on the predetermined date to avoid delays and penalties that may be applied. Here’s what to keep in mind:

Make sure your account has the necessary balance for the loan installment on the specified date.
Suggested option: Through transfers from the Raiffeisen ON digital platform.
You can deposit the installment amount at our ATMs - this should be done at least 1 day before the installment date.
By depositing cash at one of our branches.In cases where the installment date falls on a weekend or public holiday, the bank will freeze/block the installment amount in your account on the nearest business day to the installment date (funds are held on Friday if it is a weekend).

Payment Plan

You will receive a payment plan according to the type of interest obtained (preliminary payment plan upon signing the contract) and a final payment plan one day after the loan disbursement (at the branch). This plan shows the amount of principal and interest you will pay each month. You can access the payment plan at any time on the RON digital platform (Loans, Details). Additionally, you can download and print it (in PDF format) from the bank's website (Raiffeisen ON, Individuals, Loan, Payment Plan).
Loan Interest Rate Review

Every 12 months from the date of the first installment, your loan interest rate will change (decrease or increase) based on the value of Treasury Bills from the Bank of Albania, as specified in the contract. Be sure to review the details for the new payment plan on RON (Loans, Details).
Client Segment Change

This process involves changing the classification (segment) from a client receiving a salary at our bank to a client receiving a salary at another bank or without employment relations. This change occurs 3 months after receiving notification from the bank (via email or physical address). The new classification will reflect a change in your loan interest rate according to current conditions.

Change of Loan Installment Date

To assist you, the bank offers the option to change the loan installment payment date by visiting the bank branches one day before the current installment date. We recommend choosing an installment date that is closest to the date your salary is deposited into your account.
Property Revaluation

Once a year, a property revaluation occurs, and you will be contacted by the respective agents to schedule a date for the home visit.
Property and Life Insurance

The payment for property and life insurance occurs once a year. You will be contacted in advance regarding the date when the funds will be held from your account.