KrediFlash: Make your dream vacation happen

1. You must be a Raiffeisen bank customer
2. You must have Albanian citizenship, work and live in Albania.
3. Income from the salary of only one employment will be considered.
4. You must be at least 18 years old at the time of loan application and no older than 65 years old at the end of the loan term.
   

You must have a valid passport or identity card issued by the Albanian state, which will be used during the electronic identification process. The expiration date of the document must not be less than 1 month from the moment of application.

The verification of income is carried out through the e-Albania document "Certification for the payment of contributions for the Individual". To access and download the document in e-Albania, you can click here: https://e-albania.al/ looking for: "Certificate for the payment of contributions for the Individual".

Your personal mobile phone number will be used during the loan application process and the electronic signing of documents. You must also have an accessible personal e-mail address. This address will be used for saving the application, notifications and sending application documents.

A phone (smartphone) with camera and microphone is required for the electronic identification process.

The amount of the monthly installment will be automatically withdrawn from the current account at Raiffeisen bank on the date of the installment. The final installment date will be determined at the time of disbursement of the loan. Make sure you have the correct installment amount available in your account. Late payment is recorded in the Credit Register, which is available to all banks. This may lead to difficulties in obtaining credit products in the future (loans, credit cards, allowed overdrafts on the current account and others).

1. You do not have to be a Raiffeisen bank customer.
2. You must have Albanian citizenship, work, and live in Albania.
3. You must have a minimum of 6 months in your current job.
4. Income from the salary of only one employee will be considered.
5. You must be at least 18 years old at the time of loan application and no older than 65 years old at the end of the loan term.
6. You must be the owner or co-owner of your current residence.
   

You must have a valid passport or identity card issued by the Albanian state, which will be used during the electronic identification process. The expiration date of the document must not be less than 1 month from the moment of application.

The verification of income is carried out through the e-Albania document "Certification for the payment of contributions for the Individual". To access and download the document in e-Albania, you can click here: https://e-albania.al/ looking for: "Certificate for the payment of contributions for the Individual".

Your personal mobile phone number will be used during the loan application process and the electronic signing of documents. You must also have an accessible personal e-mail address. This address will be used for saving the application, notifications and sending application documents.

A phone (smartphone) with camera and microphone is required for the electronic identification process.

The amount of the monthly installment will be automatically withdrawn from the current account at Raiffeisen bank on the date of the installment. The final installment date will be determined at the time of disbursement of the loan. Make sure you have the correct installment amount available in your account. Late payment is recorded in the Credit Register, which is available to all banks. This may lead to difficulties in obtaining credit products in the future (loans, credit cards, allowed overdrafts on the current account and others).