Loans

Consumer loans

Consumer credit - makes your dreams come true

Matching the needs and financial resources available is not always easy.

To help you make essential investments and purchases, such as home renovations, vacations, premarital expenses, furniture, favorite technological products, etc., TEB Bank offers a loan application where the interest rate is set for the entire loan period. This means that you know exactly what your payment plan is.

TEB Bank has included some features and options in the loan which help you manage your loan repayments.

The documents necessary for application for Consumer Loans:

• A valid identification document (identity card, passport or driver’s license);
• Employment contract, and other documents proving additional personal and family income (e.g from pension, rent, fees, etc.);
• Utility bill (electricity, water, waste or telephone) proving the client address (not older than 6 months).
• Bank statement as evidence of regular salary income (if receiving the income at another Bank).
• An identification document (identity card, Passport or Driver’s License) of the Co-Borrower/Guarantor (if required by the Bank).
• Employment contract and other documents on income of the Co-Borrower/Guarantor.
• Co-borrower/ Guarantor bank statement which proves regular salary income (if receiving income at a different Bank).

TEB Bank is now closer to you!

Depending on the client request, the repayments schedule is structured with:

• Equal installments;
• Flexible installments – Decreasing installments;
• Increasing installments;
• Grace Period – for special clients with special needs;

At the same time, TEB Bank is the only bank where you can make additional repayments of your loan without penalty, in order to reduce the loan duration.

Apply now by clicking here.

For additional information visit one of our branches or contact our Call Center at 038/230-000 or you can also send an email to info@teb-kos.com

Auto Loans

Auto Loan at TEB puts you in the driver’s seat

A car can be your need, passion or means of travel and TEB Bank will provide a solution for you through an authorized dealer by providing fast and affordable Auto Loans.

We will finance up to 90% of the price for a new car over a maximum period of 84 months.

How it works: at the outset we agree with you on the amount of interest that will be paid on the loan, so you know how much your loan will cost you. The interest remains the same throughout the loan period. Depending on the client request, the repayments schedule is structured with:

• Equal installments
• Flexible installments
• Decreasing installments
• Increasing installments
• Grace Period – for special clients with special needs

If you want to reduce the duration of your Auto Loan, then TEB Bank is the only bank in Kosovo to allow you to pay more installments without penalty.

And there is more…

TEB also offers a Starcard which allows you to register your car and refuel at any gas station in Kosovo.

To find a list of authorized car dealers, please follow the various offers we have with authorized dealers.

TEB Bank is now closer to you!

Apply now by clicking here.

For additional information visit one of our branches or contact our Call Center at 038/230-000 or you can also send an email to info@teb-kos.com.

Housing Loans

Directly to your home with Mortgage Loans at TEB

For many of us, a home is one of the biggest investments of our life. TEB Bank is here to offer personalized financing options with competitive rates and favorable terms. Whether you are buying, building, refinancing or improving your home, we are ready to help you get the financing you need quickly and easily.

Mortgage loans have a maximum term of 180 months, but with a flexibility plan for all TEB Bank customers.

Repayment flexibility includes:

• Equal installments
• Flexible installments
• Decreasing installments
• Increasing installments
• Grace Period - for special clients with special needs

We at TEB Bank are the only bank to enable you to prepay amounts higher than the monthly installment at any time, without penalty and restructuring of the remaining amount.

The documents necessary for application for Mortgage Loans:

• A valid identification document (identity card, passport or driver's license);
• Employment contract, and other documents proving additional personal and family income (e.g from pension, rent, fees, etc.);
• Bank statement as evidence of regular salary income (if receiving the income at another Bank);
• Property mortgage documents (Possession list and copy of plan);
• Notarized pre-contract of sale of property;
• Copy of Co-Borrower/Guarantor identity card;
• Employment contract and other documents on income of the Co-Borrower/Guarantor;
• Co-borrower/Guarantor bank statement which proves regular salary income (if receiving income at a different Bank);

TEB Bank is now closer to you!

Apply now by clicking here.

Cash Cover Loan

A Cash Cover Loan is a secured loan that enables the borrower to benefit from preferential rate loan options. For this type of loan, the loan amount depends on the value of collateral. Quickly and professionally as per the client request, this product is offered for a maximum maturity of 84 months and interest remains the same throughout the loan period.

Depending on the client request, the repayments schedule is structured with:

• Equal installments
• Flexible installments
• Decreasing installments
• Increasing installments
• Grace Period – for special clients with special needs

TEB Bank is now closer to you!

Apply now by clicking here.

For additional information visit one of our branches or contact our Call Center at 038/230-000 or you can also send an email to info@teb-kos.com

Education Loans

Education Loans – More opportunities for your future

Today, education is the key to success and advancement in society. Education paves the way for better jobs, better pay. At TEB Bank, we understand the importance of investing in education.

This is why we provide Education Loans at preferential rates for clients who wish to improve their skills and knowledge or for their children.

Initially we agree with you on the general terms including the interest rate which remains the same throughout the term of the loan.

In addition, we offer features and options that help you repay the loan in accordance with your financial situation, including the options for:

• Equal installments
• Flexible installments
• Decreasing installments
• Increasing installments
• Grace Period – for special clients with special needs

We at TEB Bank are the only bank to enable you to prepay amounts higher than the monthly installment at any time, without penalty and restructuring of the remaining amount.

TEB Bank is now closer to you!

Apply now by clicking here.

For additional information visit one of our branches or contact our Call Center at 038/230-000 or you can also send an email to info@teb-kos.com.

Overdraft

A road with many possibilities!

We all know that unforeseen expenses always come at the wrong time.

At TEB Bank, we offer customers an overdraft option in their current account to meet their financial needs.

How it works: Overdraft with maturity of up to 120 Months. Interest is only applied for the amount and for the period of overdraft limit use and the interest on the used overdraft is withdrawn on a monthly basis.

You can use overdraft for cash withdrawals, payments, standing orders and bank transfers. The overdraft can also be used by using your Debit card in ATMs in Kosovo and abroad.

Monitoring your overdraft is very easy. You can check your balance using TebMobile 24/7 on your phone, E-banking or even through the ATM.

Who can apply for overdraft?

All salary recipients from state institutions, public companies, the private sector and customers with income from rent.

What do you need for your application process?

• To be a resident of the Republic of Kosovo
• To receive your salary through TEB Bank.

Necessary documents for applying:

• Valid identification document (identity card, passport or driver’s license)
• Utility bill (electricity, water, waste or telephone) proving your address (not older than 6 months)
• Valid employment contract

TEB Bank is now closer to you!

Apply for overdraft by clicking here.

For additional information visit one of our branches or contact our Call Center at 038/230-000 or you can also send an email to info@teb-kos.com. TEB, Bank for a world in motion!

Calculator

In order to implement your plans, you can use the calculator to calculate your loan installments by defining the loan maturity and annual interest.

An example: For a loan of € 10,000, with 48 months’ maturity with an interest rate of 2.75% per annum, you will pay 48 monthly installments of € 220.24. The total amount including all loan costs is: € 10,571.52 (including insurance fees and administrative expenses)

Apply

TEB Bank is now closer to you!!

Apply for a loan by selecting the type of product that corresponds to your request.

Apply here