Good things come naturally

Loan amount: 3,000,000 ALL

Loan term: 10 years

Interest: The loan interest rate is offered based on the client segment and the client’s risk assessment. If the client receives their salary through Raiffeisen Bank, the interest rate will be the 12-month Treasury Bill rate (variable annually) + 10.4%, but not less than 9%.

If we assume that the Treasury Bill rate remains at its current value, then the interest rate for the first year of the loan will be: 2.5% + 10.4% = 12.9%, with an APR of 14.02%. For each subsequent year of the loan, the base interest rate will be revised according to the latest 12-month Treasury Bill rate published by the Bank of Albania on the date of the 12th installment payment.Loan installment: For the first year, the monthly payment is 46,624.19 ALL (including principal + interest). For each subsequent year, the installment will be recalculated based on the new interest rate, starting from the next working day after the 12th installment payment date, and will last for a new 12-month period. The same calculation process will be repeated for each period until the loan maturity date.

Total amount payable for a loan of 3,000,000 ALL is 5,459,902.66 ALL.

This total amount may change depending on changes in the 12-month Treasury Bill interest rate and the minimum interest rate applied to the requested loan.

Borrowing in a currency different from the one in which your income is generated involves significant risks. For example, if your income is in ALL and you take a loan in EUR, an increase in the EUR exchange rate would make it more difficult for you to repay the loan, as the installment amount would increase. These difficulties could lead to failure to repay the loan, deterioration of your status to “non-performing,” and even the initiation of compulsory enforcement procedures by the bank.