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RaiEco: The future starts now

When I think about renovating my house or apartment, I take a lot of factors into account. The investment I make should improve my standard of living, save me money now and in the future, as well as contribute to the protection of the environment. Furthermore, I benefit from a return on investment of up to 20% of the loan value.

By investing wisely in quality and efficient products, I reduce energy consumption and thus save money. Through the RaiEco loan, I can invest in green technologies approved by ~ GEFF. In addition, I can benefit from the EU grant up to 20% of the loan amount.

Loan up to 35,000 euro

0% administrative expenses

Loan repayment period of up to 10 years

What investments are eligible for RaiEco?


Windows with efficient energy technology save energy and money by reducing heat circulation. By using textile materials with synthetic fibers and foam, it creates a thermal barrier that improves comfort and reduces heating/cooling needs.

Use of solar energy

Solar energy uses the sun's rays to produce clean electricity and heat. The installation of solar panels and thermal systems reduces reliance on traditional energy sources, lowers costs, and promotes sustainability.

Lighting, air conditioners, and home appliances

Renovate your house with lighting that uses efficient energy technology as well as air conditioners and appliances that have reduced energy consumption. LED lighting, air conditioners, and efficient equipment that meet high standards promote comfort, reduce bill costs, and preserve the environment.

In this website, you can find the equipment that meet the performance standards set by EBRD for GEFF in Kosovo

Apply online for a RaiEco loan

Applying for a RaiEco loan only takes a few minutes of your time. Once you fill out the form, your application will be reviewed by our team, and you will be contacted within a short period of time.

Information marked with * is required.
Terms and conditions Terms and conditions

By selecting the "Consent for CRK" button I expressly agree and in accordance with the Law on Personal Data Protection and Article 7.2 of the CBK Regulation on Credit Registration I give consent to Raiffeisen Bank Kosovo J.S.C based in Rr. Robert Doll no.99, Prishtina, with business registration number 70025959, for the purposes of processing, concluding, maintaining and amending the loan agreement to process and use my personal data, as well as to have access to reports of my loans in the Credit Registry. I give this consent electronically on the basis of free will and mutual interest and I will not deny it on any legal or factual basis. I am aware that giving this consent does not prejudge a positive response or imply the conclusion of the loan agreement.

Terms and conditions Terms and conditions

By pressing/clicking the "Continue" button, I explicitly agree and give my consent to the Bank, in accordance with Law No. 06/L-082 on Personal Data Protection...

By pressing/clicking the "Continue" button, I explicitly agree and give my consent to the Bank, in accordance with Law No. 06/L-082 on Personal Data Protection and the European Union Regulation 2016/679 (GDPR), to process my personal data mentioned above as well as any data that may become known later, to be exchanged and used by Raiffeisen Bank, members of the Raiffeisen Banking Group and companies contracted by Raiffeisen Bank, to process the submitted application and to contact me in writing, by telephone and/or via electronic mail at the address indicated above, in order to send me appropriate and personalized offers1 through the profiling process and/or notifications related to the products and services offered.
* I confirm that I am aware that I am not obliged to give my consent for direct marketing/profiling and I am aware that at any time I have the right to withdraw this consent and in that case my data will not be used for the above-mentioned purpose. I confirm that all the information provided above is true, complete and accurate, and I declare that I have voluntarily made my personal data available to the Bank.1Individual offers are designed specifically for you based on an understanding of your economic needs through a process called profiling. Profiling involves automated analysis of your personal data and other information. Based on such processing, we reach conclusions regarding your economic or financial needs, your financial responsibility and other characteristics that we analyze when creating such offers.

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What is GEFF?

GEFF - The Green Economy Financing Facility of the European Bank for Reconstruction and Development, in the Western Balkans, provides financing for the residential sector as well as for businesses that offer energy efficiency products, renewable energy products, and services for individuals. GEEF in the Western Balkans is implemented within the framework of the Regional Energy Efficiency Program for the Western Balkans (REEP Plus) and is co-financed with grants from the European Union, the Western Balkans Investment Framework, and the Federal Ministry of Finance of Austria. Cooperation with donors is essential for the promotion of green technologies and high-performance practices. Donors provide critical support for GEFF projects that mitigate or create resilience to the effects of climate change and other environmental threats.

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Who is the loan dedicated to?

Individuals who own or live in a home or apartment in which they plan to install eligible products that qualify under the GEFF Groups of individuals, housing associations, multi-story building owners' associations, or other equivalent bodies that represent the interests of residents.

Your benefits                                                                                                            Raiffeisen Bank will provide loans to private owners of houses and apartments for investments in energy efficiency measures such as insulation, windows, heat pumps, and solar panels. Once the project is successfully completed, the borrowers will be entitled to a 20 percent refund.

Why Raiffeisen Bank?

There are many reasons why Raiffeisen Bank is the right partner when choosing a credit card. These are the main advantages:

130 years of banking tradition

Raiffeisen Bank in Kosovo is part of Raiffeisen Bank International, carrying the same values as the parent company. Raiffeisen stands for security and stability.

The largest bank in Kosovo

Raiffeisen Bank is the biggest bank in Kosovo, based on all financial indicators. This is the result of the continuous trust of our clients and our commitment to providing the best services.

Innovation and support

We rely on continuous innovation to provide you with an easy and stress-free banking experience. With the largest branch network and advanced digital platforms, we are with you 24/7.