Buying your first home
The purchase of a house is a significant event in life that can bring great joy and fulfillment. It is considered to be one of the most important milestones that one can achieve.
Housing Loan in our bank offers below mentioned benefits:
Find out what your housing loan is all about and discover its many benefits.
Affordable and competitive interest rates
Affordable and competitive interest rates
Affordable and competitive interest rates
Affordable and competitive interest rates
Get ready to apply
Ensure that you meet the eligibility requirements for our home loan solutions and organize your documents to obtain the necessary financial pre-approval for your project.
Eligibility criteria
To qualify for a loan, you must:
- Be a resident of Albania
- Receive your salary in Albania
Required Documents
Identification documents:
- Personal ID (if applied with a Co-Borrower, Personal ID of Co-borrower needed too)
- Family Certificate
Financial Documents:
- Documents verifying your employment and incomes (if applied with a Co-Borrower, financial documents of co-borrower are needed too)
Property legal documents:
- The certificate of ownership of the house that will be bought or left as collateral
- The cartel of Property
- The map of the property
- A draft of Selling-Buying agreement
ESG GREEN Loans
Raiffeisen Bank's commitment to promoting sustainable development and supporting the environment, climate change, CO2 (carbon dioxide) emissions and energy efficiency.
ESG Loan Financing is offered for:
- Purchase Apartments built from January 2021 (equipped with energy efficiency certificates)
- Apartments with energy efficiency certificates
Frequently Asked Questions
Find below the answers to the most frequent customer’s questions. If you have other questions please consider:
Need help?
Get advise at a branch
Contact our call center
Arrange an apointment
Our experts are available to discuss with you at our branches.
From any mobile network (normal rate).
Arrange an appointment with us in one of our branches using our online form.
Build the future in your new home
We make the buying process a beautiful experience.
The ultimate home loan
General Conditions
- Up to a value of 21.000.000 ALL or 171.000 EUR
- Loan term up to 30 to years
- Up 85% financing of the value of the house
- Competitive interest rates
Interest Rates
Fixed Interest rates for 3 years in ALL
- 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
Fixed Interest rates for 3 years in EUR
- 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
Housing Loan in ALL currency
- Paga + Clients: starting from T-bills + 1.80%
- Standard Clients: starting from T-Bills + 2.30%
- Premium Clients: starting from T-Bills +1.55%
Housing Loan in EUR currency
- Paga + Clients: starting from Euribor + 5.50%
- Standard Clients: starting from Euribor + 6.00%
- Premium Clients: starting from T-Bills + 5.25%
ESG Loan
- For ESG Loan, a discount from the standard interest will be applied according to the respective segments of clients, both in ALL and Euro.