Raiffeisen Bank is the bank on which you can count for the most important investment of your life.

1. Housing Loan


Fix Interest Rates for Housing Loan in EUR

2.5% fixed Interest rate for the first year of the loan in Eur for all segments of clients

3.0% fixed Interest rate for the first 3 years of the loan in Eur for all segments of clients

Fix Interest Rates for Housing Loan in LEK

3.5% fixed Interest rate for the first year of the loan in Lek for all segments of clients

5.0% fixed Interest rate for the first 3 years of the loan in Lek for all segments of clients

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

  • Up to 150'000 Euro (equivalent in Lek) / Premium Customers Up to 400'000 Euro (equivalent in Lek) for low risk Premium Club clients
  • We finance up to 80% of the purchased House
  • Tenor up to 30 years gives you affordable installments
  • The fixed spread rate for the whole mortgage life, gives you security and comfort on managing your cost investment plan of the Mortgage.
  • The most competitive Interest rates in the market

2. Standart Terms and Conditions


Home Purchase Loans in Lek

  • SD Customers: T-Bills + 1.80%
  • NSD Customers: T-Bills + 2.30%

For the Premium Customers:

Interest Rate for the Salary and Non Salary customers is : T-Bills + 1.55%

Home Purchase Loans in EUR

  • SD Customers: EURIBOR + 5.50%
  • NSD Customers: EURIBOR + 6.00%

For the Premium Customers

Interest Rate for the Salary and Non Salary customers is : EURIBOR + 5.25%

*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

  • Opportunity to buy a home under construction from the most prestigious construction companies
  • All over the country branches where you can make your loan application

Find out more

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