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
Student consumer loans (program)
Loan purpose |
The loan is granted for paying tuition fees |
Who can apply |
Payment of tuition fees for bachelors (continuous and integrated curriculum), Master’s students studying on paid bases in state and non-state universities with accredited educational programs , and for students studying with clinical ordinatura educational courses |
Loan currency |
AMD |
Loan amount |
Maximum AMD 4,000,000 throughout the study, with maximum 5 splits (1 split for each academic year), and the amount of each split cannot exceed AMD 800,000 or tuition fee of one academic year. |
Loan repayment method and term |
Monthly annuity payments, and only interest is paid during the study (maximum 5 years). After the completion of the study equal repayments of loan principal amount and interest are made with a term of not more than 10 years. |
Annual nominal interest rate |
9% annual · Subsidy of 2% · 0% - for students who have 80% and higher Average Quality Grade |
Loan provision methods |
The loan is granted only in non-cash method, by transferring the loan amount the bank account number of the respective educational institution. The transfer is done on the basis of an invoice (containing the requisites as defined by RA legislation) provided by the educational institution and presented to the Bank by the Customer. |
Early loan repayment penalty |
No early payment fee is applicable |
Penalty for loan principal and/or interest overdue |
For overdue principal - 0,015 % daily, |
Loan repayment security measure |
· Guarantee of student’s parent(s), guardian(s) or other persons |
Fee |
Not applicable |
Deadlines for approving or rejecting loan provision |
· The decision to approve or reject the loan is made within 3 (three) working days maximum, after fully providing all the initial documents requested by the Bank. |