Commercial real estate

Commercial real estates

Choose the business premise that suits the needs of your business with financing through Raiffeisen Leasing Kosovo.

Financing opportunities for:

  • Micro businesses
  • Small and Medium businesses

General information

A financial leasing contract indicates a commercial arrangement where the lessee (customer) selects an asset and lessor will purchase the asset, which asset the lessee utilizes in exchange for a series of instalments paid to the lessor for a specific amount of time. Once the lessee fulfils all the contractual obligations, acquires full ownership of the asset.

The Financial Lease includes three main stakeholders:

  • Lessor - Leasing Company
  • Lessee - Customer/The user of the asset
  • Vendor of the leased asset - asset seller

Advantages of leasing:

  • Financing without additional mortgage
  • Quick approval procedures
  • Competitive interest in the market
  • Property valuation – free of charge
  • Automatic transfer of ownership right after the payment of the final installment

General terms and conditions

For micro, small and medium enterprises:

  • Down payment: 25% (minimum)
  • Duration of the leasing contract: 120 months or 10 years (maximum)

Documents required to apply for leasing

For Private Individuals:

  • Vendors' Offer / Pre-contract of purchase-sell for the leased asset (in the name of Raiffeisen Leasing)
  • Leasing Application (completed and signed)
  • Valid Identification Document: Identity Card or Passport issued by the MIA of the Republic of Kosovo
  • Verification by the employer that determines the gross monthly payment, position and duration of work (Lien on salary)
  • The contract of employment issued by the employer
  • KEK electricity bill, not older than 3 months (If the bill is in the name of another person, then the identity card of the person in whose name it was issued is also required).
  • Current bank account balance (6 months)

For legal entities (businesses):

  • Vendors' Offer / Pro-invoice (completed)
  • Leasing Application (completed and signed)
  • Identification Document: Passport, Identity Card of the Republic of Kosovo for owners and authorized persons
  • Business Registration Certificate in the Ministry of Trade and Industry (not older than 3 months)
  • Information on registered Business in the Ministry of Trade and Industry www.arbk.org (not older than 3 months)
  • VAT registration certificate (if the company is registered with VAT)
  • Statute of the company (if the company is registered as an LLC or JSC)
  • Financial Statements (Balance sheet and Income statement for the year 2018, 2019 and 2020)
  • Description of the business (operations, clients, activities, competition, etc.)
  • Loan contracts with other banks (if any)
  • Current contracts and References
  • Current account balance in other banks you cooperate with (last 6 months)
  • Taxpayers status, issued by Tax Administration of Kosovo.

For Compatriots (non-resident):

  • Leasing Application (completed and signed)
  • Copy of Passport / Identity Card - (I.D.) of the applicant/s, VALID ID
  • Copy of Identity Card - (I.D.) of the guarantor in Kosovo, VALID ID
  • Employment contract of the applicant/s (Must be valid for a minimum of 12 months)
  • Bank account balance showing the amount of the applicant/s salary (for 12 months)
  • The report that shows that you are not under investigation in the state where you live and work
  • Credit history report in the country where you live and work.
  • Pre-contract or offer for sale-purchase of real estate (signed and stamped by the seller).
  • Consent form for financial history state signed by Applicant/s
  • Bank proof in case there was an advance payment to the seller (Only bank transfer is valid)
  • A pre-bill or paid bill of water, telephone or electricity (not older than 3 months) evidencing the current residence (apartment, house) of the applicant.
  • Notarized statement whereby the applicant agrees with the spouse to enter into financial obligations and that you are authorized to sign the contract for the purchase of the apartment on behalf of the spouse.
  • Authorization for the third person (Family) who will sign the contract with the Notary if applicants for leasing are not in Kosovo at the time of signing the contract with the Notary.
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Leasing Calculator

This calculator is for illustrative purposes only and does not include administrative costs and asset insurance costs. For more detailed information about the leasing terms please contact us at 038/222 222 ext. 340/341 to schedule an appointment with one of our sales agents.