Purchases from Raiffeisen partner retailers; funds are paid to the merchant.
ALL · Raiffeisen payroll · Variable rate
ALL · Standard · Variable rate
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →The annual nominal rate is used to calculate interest on the outstanding loan amount; it excludes fees and is different from APR. Rates depend on the currency, customer profile and fixed period. BTH refers to Albanian Treasury bills, while Euribor is a benchmark for euro borrowing. For a variable rate, the published minimum is a floor; the rate you pay may be higher.
Raiffeisen payroll lowers the standard margin by five percentage points.
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.
Bank’s salary conditions ↗Subject to income profile and bank assessment.
Official terms · page 2 ↗Subject to income profile and bank assessment.
Official terms · page 2 ↗For purchases at partner retailers; the bank assesses income and the application.
APR (annual percentage rate) expresses borrowing costs as a yearly percentage, including interest and the fees included in the calculation. The nominal rate covers interest alone. APR is not an additional charge. Where available, the bank’s published examples are shown below; your offer may differ. Compare the same currency, amount, term and customer profile.
Understand APR and the nominal rate, with an example →
Bank illustration using a historical index; the rate resets annually. Separate 0% campaigns depend on merchant, term and application date.
Bank’s example · page 2 ↗Bank illustration using a historical index; the rate resets annually. Separate 0% campaigns depend on merchant, term and application date.
Bank’s example · page 2 ↗✓ No collateral
✓ ALL 0 administration fee
| Currencies | ALL |
|---|---|
| Salary at the lending bank | Raiffeisen payroll lowers the standard margin by five percentage points. |
| Maximum amount | ALL 500,000 |
| Maximum term (months) | 48 |
| Published APR (%) | 14.50 – 19.50% · see examples and conditions |
| Fees | 0 LEK administrim |
| Collateral | Pa kolateral / Unsecured |
Product page on the bank’s website ↗
Source section: Kredi Ekspres për blerje në dyqan
Raiffeisen — Kredi RSF Ekspres, informacion parakontraktual ↗Reviewed pages: 1, 2, 3
