Individual loans provided to individuals by products / Terms and Tariffs /
-
- Property secured personal installment loan (with creditworthiness assessment)
- Personal loan with guarantee
- Student consumer loans (program)
- Loans with gold pledge (Lombard loan)
- Gold mortgage (pawnshop) loans with credit rating
- Overdrafts with payment cards (credit cards)
- Overdrafts with payment cards (credit cards) for Bank’s customers
- Credit limit provided by Visa Infinite payment cards
- Credit limit provided by Visa Vision payment cards
- Evolution
- Credit limit secured by funds
- Loans in the framework of Renewable Energy and Energy Saving programs
- Action
-
- Housing mortgage loans
- Mortgage loans, Affordable Housing for Young Families
- Mortgage loans within the framework of the program on National Mortgage Company
- Commercial mortgage loans
- Mortgage loan (within the framework of the program of National Mortgage Company RCO CJSC Housing Mortgage Financing, 4th Phase)
- Renovation loans / within the framework of the programs of the National Mortgage Company, Jerm Ojakh (“Warm House”)
- National Mortgage Company Energy Efficiency Improvement Repair Loans "My Roof"
- Residential Energy Efficient Loans under National Mortgage Company Program
- Housing mortgages with floating interest rate
- Housing mortgages for non-resident individuals
Credit limit secured by funds
Deposit secured credit limit
|
Who can apply |
The customers who have deposit with the Bank |
|
|
Limit |
Up to 90% of the invested deposit |
|
|
Limit type |
Revolving with mandatory minimum monthly payment requirement (Overdraft) |
Loan with payment schedule |
|
Credit repayment method |
Till the due date mentioned in the statement, the customer is obliged to pay 5% of the credit limit utilized during the previous month (minimum AMD 5,000) + accrued interest |
Annuity Springy One-off |
|
Limit provision method |
Non-cash |
|
|
Currency |
AMD, USD, EUR, RUB |
|
|
Nominal interest rate |
Deposit interest rate + 2% |
|
|
Repayment period |
Till the end of the term deposit agreement |
|
|
Loan repayment security measure |
The deposit |
|
|
Bank commissions |
In case of encashment of the credit amount, encashment fee is applied according to tariffs of the Bank |
|
|
Fees |
Monthly minimal payment overdue penalty - 0,015 % daily, Accrued interest overdue penalty- 0,1 % daily |
|
|
Creditworthiness assessment (credit approval criteria) |
Absence of classified credit facilities during the application submission is considered an important criteria for credit provision. |
|
|
Other terms |
The credit is provided in the currency of the pledged monetary funds. |
|
|
Deadlines for approving or rejecting loan provision |
The decision to approve or reject the loan is made within 1 (one) working day. |
|
Loan secured by bonds issued by the bank
|
Who can apply |
The customers who have deposit with the Bank |
|
|
Limit |
Up to 70% of the invested bonds |
|
|
Limit type |
Overdraft with renewable or decreasing limit |
Loan with payment schedule |
|
Credit repayment method |
The customer is obliged to pay accrued interest till the due date mentioned in the statement |
Annuity Springy One-off |
|
Limit provision method |
AMD |
Non cash, in case of overdraft, through the Bank's payment cards |
|
USD |
Through the Bank's payment cards | |
|
Currency |
AMD, USD |
|
|
Nominal interest rate |
Bond interest rate + 2% |
|
|
Repayment period |
Till the end of the term deposit agreement |
|
|
Loan repayment security measure |
The Bonds |
|
|
Grace period |
NA |
|
|
For overdrafts |
||
| Extract day | By the 10th of each month | |
| Payment deadline | The 16th of each month (if the 16th of the given month is a non-working day, the deadline is the next working day). | |
|
Bank commissions |
In case of encashment of the credit amount, encashment fee is applied according to tariffs of the Bank |
|
|
Penalties |
Monthly minimal payment overdue penalty - 0,015 % daily, Accrued interest overdue penalty- 0,1 % daily |
|
|
Application review fee |
AMD 0 |
|
|
Creditworthiness assessment (credit approval criteria) |
Absence of classified credit facilities during the application submission is considered an important criteria for credit provision. |
|
|
Other terms |
The credit is provided in the currency of the pledged monetary funds. |
|
|
Deadlines for approving or rejecting loan provision |
The decision to approve or reject the loan is made within 1 (one) working day. Depending on the loan amount, the decision can be made within 5 (five) working days |
|
