Salary overdraft
Up to three salaries, with interest charged only on the amount used.
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 (2)
ALL · Raiffeisen salary customer · Variable interest
- Year 1
- BTH 12M + 10.4%Variable · the benchmark may change
- From year 2
- BTH 12M + 10.4%Variable · the benchmark may change
EUR · Raiffeisen salary customer · Variable interest
- Year 1
- Euribor + 11%Variable · the benchmark may change
- From year 2
- Euribor + 11%Variable · the benchmark may change
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.
Resident living and working in Albania, with salary paid into Raiffeisen.
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
- Year 1
- BTH 12M + 10.4%Variable · the benchmark may change
- From year 2
- BTH 12M + 10.4%Variable · the benchmark may change
Interest depends on the amount and days used. The tariff does not identify the Euribor tenor.
Official terms · page 1 ↗EUR · Euro
- Year 1
- Euribor + 11%Variable · the benchmark may change
- From year 2
- Euribor + 11%Variable · the benchmark may change
Interest depends on the amount and days used. The tariff does not identify the Euribor tenor.
Official terms · page 1 ↗Employment, income & eligibility
Resident living and working in Albania, with salary paid into Raiffeisen.
- Documents
- ID or passport; the bank may request additional documents. 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
- Not confirmed
- EUR
- Not confirmed
The page gives a 90-day interest example, not a published APR. Request the APR for your limit and usage pattern.
Repayment, costs & documents
- Limit and fee
- One to three salaries; 0% administration fee. In the salary currency. Source ↗
- Repayment
- Account credits reduce the balance; monthly interest is the minimum payment. The bank illustration uses a 365-day year. Source ↗
- If salary credits stop
- Unused availability is removed and the balance plus interest must be repaid within 90 days. Source ↗
Benefits and limitations
✓ Up to three salaries
✓ 0% administration fee
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Resident living and working in Albania, with salary paid into Raiffeisen. |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | 0% administrim |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Paradhënie mbi pagën
Raiffeisen — Kushtet e overdraftit ↗Reviewed pages: 1