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Unlocking the Potential of your Home

Maximize Your Home's Potential with a Raiffeisen Bank Home Equity Loan for Any Need or Wish

Your home has served you well, and now it's time to return the favour

If you require fund for the home renovations, your child's educations, or any other expenses, a Home Equity from Raiffeisen Banks can help you to achieve your goals.

Home Equity Loan

General Conditions:

  • Up to 11.000.000 ALL or 90.000 EUR
  • Loan term up to 20 years
  • Up to 75% financing of the value of the house
  • Competitive interest rates

 

Get ready to apply

Ensure that you meet the egibility requirements for our home loan solutions and organize your documents to obtain the neccessary financial pre-approval for your project 

Eligibilty criteria

To quality a loan, you must:

  • Be a resident of Albania
  • Recieve your salary in Albania

Required Documents

Identification documents:

  • Personal ID(if applied with a coborrower, Personal ID of Co-borrower needed too)
  • Family certificate


Financial  documents:

  • Documents verifying your emplyment and incomes (if applied with a coborrower, financial  documents of Co-borrower needed too)

 

Property legal documents:

  • The certificate of ownership of the house that will serve as collateral
  • The cartel of property
  • The map of the property

ESG GREEN Loans

Raiffeisen supports sustainable development and the envrioment by providing loans for energy-efficient product purchases

Required documents include:

  • Product cost prevention
  • Product  Technical
  • Quality certificate / efficiency

 

Interest Rates

Fixed Interest rates for 3 years in ALL

  • Salary Deposit Clients 6.7% fix per 3 years
  • Standard Clients 7.2% fix per 3 years
  • Premium Clients 6.5% fix oer 3 years

Fixed Interest rates for 3 years in EUR

  • Salary Deposit Clients 7.7% fix per 3 years
  • Standard Clients 7.0% fix per 3 years
  • Premium Clients 7.5% fix oer 3 years

Housing Loan in ALL currency

  • Page + Clients: TBills+ 2.55%
  • Standard Clients: TBills+ 3.05%
  • Premium Clientss: TBills+ 2.30%

Housing Loan in EUR currency

  • Page + Clients: TBills+ 2.55%
  • Standard Clients: TBills+ 3.05%
  • Premium Clientss: TBills+ 2.30%

ESG Loan

For ESG Loan, a dicount from the standard interest will be applied according the respective segments of the clients, both in ALL and EUR.

Frequently Asked Questions

Find below the answers to the most frequent's questions. If you have other questions please consider:

Need help?

Get advise at a branch

Our experts are available to discuss with you at our branches.

Contact our call center

From any mobile network (normal rate).

Arrange an apointment

Arrange an appointment with us in one of our branches using our online form.