Individual loans provided to individuals by products / Terms and Tariffs /
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- Personal loans secured by property (with creditworthiness assessment)
- Personal loans secured by property (without income source verification)
- Personal loan with guarantee
- Student consumer loans (program)
- Gold mortgage (pawnshop) loans with credit rating
- Overdrafts with payment cards (credit cards)
- Credit limit provided by Visa Infinite payment cards
- Evolution
- Credit limit secured by funds
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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
- 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"
- National Mortgage Company Energy Efficiency Building Loans
- Mortgage loans (under the State support program for providing access to affordable housing to families displaced from certain regions of the Republic of Artsakh)
- Mortgage loans under the State Support Program for housing affordability for families in border settlements of the Republic of Armenia
- Residential Energy Efficient Loans under National Mortgage Company Program
- Housing mortgages with floating interest rate
- Housing mortgages for non-resident individuals
- Affordable housing for servicemen
Personal loan with guarantee
Loan purpose |
The loan is granted 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 18-63, whose age will not exceed 63 years throughout the loan service period or have a co-borrower meeting the above criteria throughout the loan service period. |
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Loan currency |
AMD, USD, EUR |
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Loan amount |
AMD |
1,000,000 – 5,000,000 |
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USD |
2,000 –10,000 |
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EUR |
1,500-8,000 |
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Loan repayment period |
36 months |
AMD |
1,000,000-2,000,000 |
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USD |
2,000-4,000 |
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EUR |
1,500-3,000 |
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36-60 months |
AMD |
2,000,001-5,000,000 |
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USD |
4,001-10,000 |
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EUR |
3,001-8,000 |
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Annual nominal interest rate |
AMD |
20% |
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USD |
16.5 |
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EUR |
15.5% |
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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 provision methods |
AMD |
Non-cash |
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USD, EUR |
Non-cash: transferring to card account |
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Loan repayment security measure |
AMD 1,000,001-3,000,000 |
Guarantee of at least 1 (one) physical individual or 1 (one) legal entity |
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USD 2,000-6,000 |
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EUR 1,500-5,000 |
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AMD 3,000,001-5,000,000 |
Guarantee of at least 2 (two) individuals |
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USD 6,001-10,000 |
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EUR 5,001-8,000 |
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Deadlines for approving or rejecting loan provision |
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Other terms |
Foreign currency loan are provided via payment cards. |