Maximum termALL: 120 monthsDepending on amount and option
Maximum amountALL: ALL 3,000,000Subject to bank approval
Nominal interest by currency
Salary at the lending bankSalary conditions
The online channel publishes the same interest formula for salary at Raiffeisen or another bank. Payroll affects limits: up to ALL 3 million/120 months versus ALL 1 million/84 months, subject to assessment.
What does salary transfer mean?
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Who can apply? Albanian citizen living and working in Albania, at least 18 at application and no older than 65 at maturity; at least 6 months in the current job according to the FAQ.
Online applicationNo guarantor
11.98% APR is the documented illustration including the fee and PPI; the page advertises 11.57%. They are not blended into a single price. Online limits are lower without salary at Raiffeisen.
Maximum termALL: 360 months
EUR: 360 monthsDepending on amount and option
Maximum amountALL: ALL 21,000,000
EUR: EUR 210,000Subject to bank approval
Interest and conditions
Nominal interest by currency
Salary at the lending bankSalary conditions
Standard rates distinguish Salary+ from other-bank payroll. The 4.5% ten-year offer is separate and is not compared with the three-year standard rate as a salary discount. After the fixed period, the margin depends on profile.
What does salary transfer mean?
For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.
Who can apply? Businesses assessed by the bank for project viability and repayment capacity.
Up to 10 yearsUp to 70% of investment
The page does not publish a nominal rate, APR or fee specific to business premises. The separate investment offer on the same page does not automatically apply here.
Who can apply? Verifiable salary or business income, or cash security; non-payroll customers at Raiffeisen may also apply.
Up to 45 interest-free daysNo POS or online purchase commission
Terms come from the precontract currently linked by the bank; rate depends on segment. Another profile’s APR is not automatically assigned to this card.
Who can apply? Consult the bank’s terms and documents for eligibility criteria.
LoungeKey servicesNo POS or online purchase commission
Terms come from the precontract currently linked by the bank; rate depends on segment. Another profile’s APR is not automatically assigned to this card.
