Unsecured Loans: Personal Loan Guaranteed with Term Deposit
It’s fast, secure and easy!
Are you a holder of a Term Deposit Account with Raiffeisen Bank?
No need to prematurely terminate your deposit for unforeseen expenses. We provide assistance by offering a loan secured by your deposit.
Conditions
You earn full interest on the deposit
- Salary Deposit Clients 6.0% fix for 3 years
- Standard Clients 6.5% fix for 3 years
- Premium Clients 5.7% fix for 3 years
Fast and simple procedures
- Salary Deposit Clients 7.0% fix for 3 years
- Standard Clients 7.5% fix for 3 years
- Premium Clients 6.7% fix for 3 years
Competitive rates
- Paga + Clients: starting from T-bills + 1.80%
- Standard Clients: starting from T-Bills + 2.30%
- Premium Clients: starting from T-Bills +1.55%
No justifying documents required
- Paga + Clients: starting from Euribor + 5.50%
- Standard Clients: starting from Euribor + 6.00%
- Premium Clients: starting from T-Bills + 5.25%
The loan currency can be different from the deposit currency.
- For ESG Loan, a discount from the standard interest will be applied according to the respective segments of clients, both in ALL and Euro.
Details
| Loan maturity | Up to 25 years |
| Loan amount | Min: 100.000 LEK - Max: 12.000.000 LEK Min: 800 EUR - Max: 100.000 EUR |
| Percentage of Financing | up to 80% of the value of the deposit depending on currencies |
| Interest Rate | For LEK currency: Bono Thesari 12M + 1.3% For EUR curency: Euribor + 4.8% |
| Administration Fee | 5000 ALL for Salary Customers / 5% of Loan Amount for Non-Salary Customers |
| Documents required | Identity Document, Family Certificate, Copy of Term Deposit Contract *The Bank reserves the right to request additional documentation on case basis. |
| Deposit | The deposit currency can be in Lek, USD dollar, Euro, Pound and or Swiss Franc CHF |