Congratulations, you have already disbursed your personal loan!

A new phase begins for you. Some valuable instructions on how to manage your personal loan more easily and maintain a good credit profile.

First

You must ensure that you have the latest personal data registered in our bank, to receive notifications and information about your products.

Second

Is important to have registered in the application Raiffeisen ON, to receive all the loan details and other important information that you do not want to miss.

Instalment payments

Make sure to pay for the monthly loan installment regularly, on the predetermined date, to avoid delays and penalties that may apply. What you should consider:

Make sure your account has the balance needed for the credit installation at the date set.
Suggested option* through money transfer from the digital platform Raiffeisen ON.
You can deposit the installation amount in our ATMs - for this you must make the deposit at the ATM at least 1 day before the installation date.
Depositing money in one of our branches.
Cases where the installation date falls on weekends or official holidays, the bank rescinds/blocks the amount of the installation in your account on the nearest working day from the date of the installation (if it is weekend the funds are held on Friday).

Amortization Plan

You are provided with the amortization plan for the first year of the loan with the signing of the contract (as annex to it) or on the day of the loan disbursement (by email and in branch). This plan shows the amount of principal and interest you will pay each month. You can access the payment plan at any time on the digital platform Raiffeisen ON (Loan, Details). You can also download and print (in pdf format) from the bank's website (Raiffeisen ON, Individuals, Loan, Amortization Plan).
Review of the Loan Interest Rate

Every 12 months from the date of the first installment, the interest on your loan will change (decrease or increase) depending on the value of the Treasury Bill from the Bank of Albania, as specified in the contract. Make sure to see the details of the new payment plan in Raiffeisen ON (Loan, Details).

Customer Segment Change

It is about changing the classification (segment) from a customer receiving salary in our bank to a customer receiving the salary in another bank or non salary customer. This change is made 3 months after you receive the notification from the bank (by email or at the physical address). The new classification will reflect the change in the interest rate of your loan as specified in the contract.
Change of the date of the loan installation

To help you, the bank also offers the possibility of changing the date of payment of the loan installment by visiting the bank branches one day before the date of the current installation date. Our suggestion is to consider the date of the installation as the closest one from the date of the salary is credited in your account.