Raiffeisen loans 2026: products, conditions, documents

About Raiffeisen

Raiffeisen Bank România is a credit institution licensed by the National Bank of Romania (BNR), registered in the Credit Institution Register. Raiffeisen is part of Raiffeisen Bank International, an international financial institution. Per the Raiffeisen Bank International 2024 annual report, at end of 2024 Raiffeisen operated a branch network covering counties across Romania.

Loan products listed in June 2026 by ascending APR

All data below is taken from the price list published on raiffeisen.ro at the June 2026 check. The listed APR starts from the minimum published values for the standard client profile, per Raiffeisen policy.

• Raiffeisen — Mortgage · APR from 7,15% · 75.000-1.200.000 lei · 60-360 luni
• Raiffeisen — Refinancing loan · APR from 9,45% · 10.000-150.000 lei · 12-120 luni
• Raiffeisen — Personal loan · APR from 10,9% · 5.000-100.000 lei · 12-60 luni
• Raiffeisen — Credit card · APR from 25,5% · 1.000-20.000 lei · revolving

How a Raiffeisen loan works

The standard process for Raiffeisen consumer loans, per the official raiffeisen.ro page, follows five steps:

1. You complete the application online through the Smart Mobile platform or in a branch. 2. The bank requests the standard documents listed below. 3. The application is analysed per Raiffeisen's published scoring policy and includes a Credit Bureau query. 4. Preliminary response within 24-48 working hours for consumer loans. 5. Upon approval, you sign the contract electronically via certified digital signature or in a branch, and the amount is credited to your current account.

Required documents

Per the official raiffeisen.ro page, the standard list for the personal loan includes:

• Valid ID (national ID card or passport)
• Income statement for the last 3-6 months, depending on the product
• Account statement for the last 3 months
• For Raiffeisen clients with salary transferred to the account, documentation may be reduced per bank policy
• For the mortgage, additional documents include property papers and an appraisal by a Raiffeisen-approved evaluator

Who can apply

Per the Raiffeisen published policy, general eligibility criteria include:

• Age between 18 and 70 at loan maturity (varies by product)
• Romanian citizenship or legal residence in Romania
• Minimum net monthly income per the product threshold
• Length of service at current employer per the product requirement
• Credit Bureau history assessed per the bank's policy
• Debt-to-income ratio within BNR Regulation 17/2012 limits and updates

Official sources

The data on this page is based on the following sources:

• raiffeisen.ro — official site, price list and product descriptions
• Raiffeisen Bank International — 2024 annual report
• National Bank of Romania (BNR) — register, regulations
• National Authority for Consumer Protection (ANPC) — credit consumer rights

Frequently asked questions

What APR does Raiffeisen list for the personal loan in June 2026? Per the price list published on raiffeisen.ro at the June 2026 check, the APR for the personal loan starts from 7.15% for the standard client profile, with variations depending on associated products.

How do I apply for a Raiffeisen loan online? Standard process described on raiffeisen.ro: you complete the application online through the Smart Mobile platform, upload the requested documents, the bank analyses the request per the published scoring policy, and the preliminary response comes via email or in the app.

How long does Raiffeisen loan approval take? Per the official Raiffeisen page, for standard consumer loans the preliminary response comes within 24-48 working hours after the complete documents are submitted. For the mortgage, the analysis period depends on the property appraisal process.

Can I repay a Raiffeisen loan early? Yes, per GEO 50/2010 art. 67. The fee is legally capped at a maximum of 1% of the early-repaid amount if more than 12 months remain, 0.5% if the remaining period is under 12 months, 0% for loans with variable rate indexed to IRCC. For the calculation, see the early repayment calculator.