
For a brighter and more sustainable future.
When planning a home renovation, I consider improving my quality of life, long-term savings, and environmental protection. I can also benefit from up to 20% of the loan value as a return on investment.
By investing wisely in quality and efficient products, I reduce energy consumption and save my money. Through this loan, I can invest in green technologies approved by GEFF. Furthermore, I can benefit from an EU grant of up to 20% of the loan amount.
Loan up to 50,000 euros
Effective interest rate of 5.5%
Loan repayment term up to 10 years
What investments are eligible to qualify for this loan?
At this link, you can find equipment that meets the performance standards set by the EBRD for GEFF in Kosovo.
Apply online for a green loan
Applying for a Green loan only takes a few minutes. After completing the form, your application will be reviewed by our team and you will be informed more about the loan and how to benefit from the grant.

What is GEFF?
GEFF - The European Bank for Reconstruction and Development's Green Economy Financing Facility (GEFF) in the Western Balkans provides financing for the housing sector as well as for businesses offering energy efficiency products, renewable energy products, and services to individuals. GEFF in the Western Balkans is implemented within the framework of the Regional Energy Efficiency Programme for the Western Balkans (REEP Plus), co-financed with grants from the European Union, the Western Balkans Investment Framework, and the Austrian Federal Ministry of Finance. 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 build resilience to the effects of climate change and other environmental threats.

Who is the loan intended for?
Individuals who own or live in a house or apartment in which they plan to implement eligible products that qualify under GEFF. Groups of individuals, housing associations, apartment building owners' associations, or other equivalent bodies that represent the interests of residents.
Your benefit
Raiffeisen Bank will provide loans to private homeowners for investments in energy efficiency measures, such as insulation, windows, heat pumps and solar panels. After the successful implementation of the projects, borrowers will be entitled to up to 20% cash back.
Why Raiffeisen Bank?
There are many reasons why Raiffeisen Bank is the right partner when you are looking for banking services. These are the main advantages:
130 years of banking tradition
Raiffeisen Bank Kosovo is part of Raiffeisen Bank International, carrying the same values of the parent company. Raiffeisen stands for security and stability.
The largest bank in Kosovo
Raiffeisen Bank is the largest bank in Kosovo, based on all financial indicators. This is the result of the continued trust of our customers and our commitment to providing the best services.
Innovation and support
We rely on continuous innovation to offer you an easy and stress-free banking experience. With the largest branch network and advanced digital platforms, we are with you 24/7.