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?
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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.