Individual loans provided to individuals by products / Terms and Tariffs /
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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"
- National Mortgage Company Energy Efficiency Building Loans
- Residential Energy Efficient Loans under National Mortgage Company Program
- Housing mortgages with floating interest rate
- Housing mortgages for non-resident individuals
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. Loans provided in AMD are credited to the Bank account. The person related to the loan applicant (family member or joint venture) should not have a valid loan of this type. |