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Understand your mortgage options

Navigating the mortgage landscape is essential for a smooth home-buying process. At Raiffeisen Bank, we offer a variety of mortgage solutions tailored to your needs. Here’s a look at some specialized mortgage options, including new home loans and home equity loans.

  • 3 min read

Home Loans

These loans are designed specifically for purchasing a new home. They offer competitive rates and flexible terms to suit your financial situation, making the home-buying process straightforward and affordable.

Home Equity

These loans allow you to borrow against the equity built up in your home. They are perfect for financing home improvements or covering major expenses. Home equity loans typically offer lower interest rates compared to other types of loans, providing a cost-effective financing solution.


Raiffeisen Bank is dedicated to promoting sustainable development, addressing climate change, reducing CO2 emissions, and enhancing energy efficiency. ESG Loan Financing is offered for:

  • Purchase of New Apartments: Available for apartments built from January 2021, equipped with energy efficiency certificates.
  • Energy-Efficient Apartments: Financing for existing apartments with energy efficiency certificates.

Invest in a greener future with Raiffeisen Bank Albania ESG Loan Financing, supporting sustainable living and environmental responsibility.

Choosing the Right Loan

The best mortgage for you depends on various factors, including your financial situation, how long you plan to stay in your home, and your risk tolerance. ARMs provide initial savings and flexibility, while specialized loans like new home loans and home equity loans cater to specific needs.

Buying your first home

Planning to buy, build or renovate? Whatever your property goals, we are here to guide you through your journey.

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