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.
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
- 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.
|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|
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|