Individual loans provided to individuals by products / Terms and Tariffs /
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- 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
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- 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
Loans with gold pledge (Lombard loan)
Loan purpose |
The loan is granted with gold pledge for the purpose of ordering or purchasing goods (work, services) for personal, family, home or other use not related to business activities. |
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Who can apply |
Individual residents of RA between the age of 18-70, whose age will not exceed 70 years throughout the loan service period |
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Loan currency |
AMD |
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Loan amount |
100,000 (for branches in the regions- 50,000) – 10,000,000 |
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Loan term |
3- 36 months |
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Loan repayment method |
Annuity |
For loans with repayment period of 1-12 months |
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One-off |
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Annuity |
For loans with repayment period of 13-36 months |
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Annual nominal interest rate |
Loan term |
Loan repayment method |
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Annuity |
One –off |
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For loans with repayment period of 3-6 months |
15.5% |
16.5% |
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For loans with repayment period of 7-24 months |
16% |
17%[1] |
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For loans with repayment period of 25-36 months |
17% |
18%[2] |
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Early loan repayment penalty |
No early payment fee is applicable |
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Penalty for loan principal and/or interest overdue |
For overdue principal - 0,015 % daily, |
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Loan to value ratio |
Annuity |
Up to 95% of the estimated value of the gold items |
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One-off (with repayment period of 1- 6 months) |
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One-off (with repayment period of more than 6 months) |
Up to 90% of the estimated value of the gold items |
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Deadlines for approving or rejecting loan provision |
· The decision to approve or reject the loan is made within 1 (one) working day maximum |
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Loan provision methods |
Non-cash |
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Other terms |
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[1] Interest repayment monthly term cannot exceed 12 months. After seizure of principal amount payment phase annuity payment schedule is set after
[2] Interest repayment monthly term cannot exceed 12 months. After seizure of principal amount payment phase annuity payment schedule is set after