Consumer loan secured by a mortgage

Personal spending secured by a home; offer and term depend on applicant profile.

Raiffeisen Bank

Provider: Directly by the bank. No sponsored placement.

Cost summary

Indicative figures

Monthly payment: UnconfirmedPer month
Total interest: UnconfirmedOver the whole term
Fees: UnconfirmedUpfront bank fee only
Total repayment: UnconfirmedLoan + interest + known fee

Interest and monthly payments over time

View rates by option (6)

ALL · Offer · Raiffeisen payroll · Fixed for the first 120 months

Year 1: 4.5%Fixed rate

Years 2–10: 4.5%Fixed rate
From year 11: BTH 12M + 2.55%, min 4%

ALL · Offer · salary at another bank · Fixed for the first 120 months

Year 1: 4.5%Fixed rate

Years 2–10: 4.5%Fixed rate
From year 11: BTH 12M + 3.05%, min 4%

ALL · Self-employed / sole trader · Fixed for up to ten years

Year 1: 4%Fixed rate

From year 2: 4%Same fixed rate until repayment

EUR · Offer · Raiffeisen payroll · Fixed for the first 120 months

Year 1: 4.5%Fixed rate

Years 2–10: 4.5%Fixed rate
From year 11: Euribor 12M + 6.25%, min 5%

EUR · Offer · salary at another bank · Fixed for the first 120 months

Year 1: 4.5%Fixed rate

Years 2–10: 4.5%Fixed rate
From year 11: Euribor 12M + 6.5%, min 5%

EUR · Self-employed / sole trader · Fixed for up to ten years

Year 1: 4%Fixed rate

From year 2: 4%Same fixed rate until repayment

Choose your amount, term, currency and customer category to see the summary.

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Your product context

ALL EUR

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Nominal interest by currency

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.

Salary at the lending bank

The offer starts at the same rate for salaried customers. After ten years, receiving salary at Raiffeisen reduces the margin by 0.5 points in ALL or 0.25 in EUR.

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.

Bank’s salary conditions ↗

ALL · Lekë

Salary paid into this bankOffer · Raiffeisen payrollFixed for the first 120 months

Year 1: 4.5%Fixed rate

Years 2–10: 4.5%Fixed rate
From year 11: BTH 12M + 2.55%, min 4%

Applications by 31 December 2026. Up to 20 years for low-risk applicants; up to 200 months for other profiles.

Official terms ↗

Other customersOffer · salary at another bankFixed for the first 120 months

Year 1: 4.5%Fixed rate

Years 2–10: 4.5%Fixed rate
From year 11: BTH 12M + 3.05%, min 4%

Applications by 31 December 2026. Up to 20 years for low-risk applicants; up to 200 months for other profiles.

Official terms ↗

Self-employed / sole traderFixed for up to ten years

Year 1: 4%Fixed rate

From year 2: 4%Same fixed rate until repayment

Up to ALL 5,500,000 / EUR 55,000. Applications by 31 December 2026; requires a sole-trader business with at least one completed financial year.

Official terms ↗

EUR · Euro

Salary paid into this bankOffer · Raiffeisen payrollFixed for the first 120 months

Year 1: 4.5%Fixed rate

Years 2–10: 4.5%Fixed rate
From year 11: Euribor 12M + 6.25%, min 5%

Applications by 31 December 2026. Up to 20 years for low-risk applicants; up to 200 months for other profiles.

Official terms ↗

Other customersOffer · salary at another bankFixed for the first 120 months

Year 1: 4.5%Fixed rate

Years 2–10: 4.5%Fixed rate
From year 11: Euribor 12M + 6.5%, min 5%

Applications by 31 December 2026. Up to 20 years for low-risk applicants; up to 200 months for other profiles.

Official terms ↗

Self-employed / sole traderFixed for up to ten years

Year 1: 4%Fixed rate

From year 2: 4%Same fixed rate until repayment

Up to ALL 5,500,000 / EUR 55,000. Applications by 31 December 2026; requires a sole-trader business with at least one completed financial year.

Official terms ↗

Employment, income & eligibility

Albanian resident with documented income and a home acceptable as security.

Salaried applicants: ID, family certificate and employment/income proof; property owned by the applicant or a relative. Source ↗
Self-employed applicants: Registered sole trader with at least one completed financial year (sometimes two); tax records, accounts or self-declaration. Source ↗
Property documents: Title certificate, property record, map and floor plan. Source ↗

Annual percentage rate (APR)

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 →

ALL 8 million example · payroll

4.65% APR

Currency: ALL
Example amount: ALL 8,000,000
Term: 240 months
Example nominal rate: 4.50%
Example monthly payment: ALL 51,244

The detailed example gives 4.65%, while the headline gives 4.61%. Assumes 2.44% T-bills and LEK 52,073 after year ten. Excluded from APR rankings.

Bank’s example ↗

Sole-trader example

4.27% APR

Currency: ALL
Example amount: ALL 5,500,000
Term: 120 months
Example nominal rate: 4.00%
Example monthly payment: ALL 55,684

Only for sole traders: ALL 5.5 million, ten years, ALL 68,750 fee. The bank instalment excludes other costs.

Bank’s example ↗

Repayment, costs & documents

Fee: 1.25%: minimum ALL 25,000 / EUR 200; maximum ALL 100,000 / EUR 800. Refinancing is 0% under the tariff. Source ↗
Additional costs: Property valuation, notary, cadastral registration, life and property insurance are separate. Source ↗
Collateral: The page gives a 75% collateral limit while the PDF states 70%. Confirm the final limit with the bank. Source ↗

Benefits and limitations

✓ 4.5% fixed for the first ten years, for applications before the offer ends

✓ Up to ALL 11 million / EUR 110,000 for salaried applicants

The page gives a 75% collateral limit while the PDF states 70%. Confirm the final limit with the bank.

Key published conditions
Currencies	ALL, EUR
Salary at the lending bank	The offer starts at the same rate for salaried customers. After ten years, receiving salary at Raiffeisen reduces the margin by 0.5 points in ALL or 0.25 in EUR.
Minimum term (months)	6
Maximum term (months)	240
Published APR (%)	ALL: 4.27 – 4.65% EUR: Not confirmed · see examples and conditions
Fees	1.25%; min 25,000 LEK / 200 EUR; max 100,000 LEK / 800 EUR
Collateral	Hipotekë mbi pronë / Property mortgage

Amounts, terms and pricing by currency

Currency / customer	Amount	Months	Annual rate
ALLOffer · Raiffeisen payroll	775,000 – 11,000,000	6–240	4.5%Subject to profile and bank assessment.
ALLOffer · salary at another bank	775,000 – 11,000,000	6–240	4.5%Subject to profile and bank assessment.
EUROffer · Raiffeisen payroll	7,750 – 110,000	6–240	4.5%Subject to profile and bank assessment.
EUROffer · salary at another bank	7,750 – 110,000	6–240	4.5%Subject to profile and bank assessment.

Official sources and supporting terms

Product page on the bank’s website ↗

Source section: Kredi konsumatore me hipotekë

Kushtet e kredive hipotekore - 28 Korrik 2026 ↗Reviewed pages: 1

Raiffeisen — Kredi konsumatore me hipotekë, gusht 2026 ↗Reviewed pages: 1, 2, 3, 4