Consumer loan secured by a mortgage
Personal spending secured by a home; offer and term depend on applicant profile.
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 (3)
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.
Choose your loan details →Your product context
Calculate with this product →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.
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 ↗EUR · Euro
- 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 ↗- 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 ↗- 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 →
- EUR
- Not confirmed
The reviewed bank examples are in another currency.
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.
| 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