You have invested a lot for your home. Now it’s time for your home to do something for you! With a Home Equity Loan, it is possible. The loan can be used for anything you might need.

Starting from April 1, 2017 you may benefit Fix Interest Rates for up to 3 years for:

1. Home Equity Loan


Home Equity Loans in EUR

3.15% fixed Interest rate for the first year for Home Equity Loan in Eur for all segments of clients

3.65% fixed Interest rate for 3 years for Home Equity Loan in Eur for all segments of clients

Home Equity Loans in LEK

4.5% fixed Interest rate for the first year for Home Equity Loan in Lek for all segments of clients

5.9% fixed Interest rate for 3 years for Home Equity Loan in Lek for all segments of clients

*All premium customers will benefit 50% discount of administration fee

Products Terms and conditions

  • By now Up to 70% the value of your house to a maximum 80'000 Euro (equivalent in Lek) / For the Premium Customers is 100'000 Euro (equivalent in Lek). Repayable over 15 years.
  • The fixed spread rate for the whole Home Equity Loan, gives you security and comfort on managing the cost of our investment plan and the repayments.
  • Wide branches network where you can make your loan application
  • Favourable interest rates 

2. Standard Terms and Conditions


Home Equity Loan in Lek

  • SD Customers: TRIBOR + 2.25%
  • NSD Customers: TRIBOR + 2.75%

For the Premium Customer:

Interest Rate for the Salary and Non Salary customers is: TRIBOR + 2.00%

Home Equity Loan in EUR

  • SD Customers: EURIBOR + 6.25%
  • NSD Customers: EURIBOR + 6.50%

For the Premium Customers:

Interest Rate for the Salary and Non Salary customers is: EURIBOR + 6.00%

*SD: All customers that take the salary through Raiffeisen Bank

**NSD: All customers that take the salary through other banks

*** In cases when the Base Rate is negative, the bank will consider it 0 in the interest calculation

For further information, please visit one of Raiffeisen Bank branches, even on Saturday.

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