Individual loans provided to individuals by products / Terms and Tariffs /
- Housing mortgage loans
- Housing mortgages with floating interest rate
- Commercial mortgage loans
- Mortgage loans within the framework of the program on National Mortgage Company
- 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”)
- Mortgage loans, Affordable Housing for Young Families
- Car purchase loan
- Property secured personal installment loan (with creditworthiness assessment)
- Property secured personal installment loan (without income)
- Personal loan with guarantee
- Student consumer loans (program)
- Loans with gold pledge (Lombard loan)
- Gold mortgage (pawnshop) loans with credit rating
- SingleTOUCH
- Overdrafts with payment cards (credit cards)
- Overdrafts with payment cards (credit cards) for Bank’s customers
- Credit limit provided by Visa Infinite payment cards
- Combined credit line terms in the framework of payroll projects
- Credit limit secured by deposit
- Loans in the framework of Renewable Energy and Energy Saving programs
- Housing mortgages for non-resident individuals
- Credit limit provided by Visa Vision payment cards
- Loans for the purchase of a car within the framework of cooperation agreements
- National Mortgage Company Energy Efficiency Improvement Repair Loans "My Roof"
- Evolution
Credit limit secured by deposit
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Who can apply |
The customers who have deposit with the Bank |
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Limit |
Up to 90% of the invested deposit |
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Limit type |
Revolving with mandatory minimum monthly payment requirement (Overdraft) |
Loan with payment schedule |
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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 |
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Limit provision method |
Non-cash |
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Currency |
AMD, USD, EUR, RUB |
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Nominal interest rate |
Deposit interest rate + 2% |
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Repayment period |
Till the end of the term deposit agreement |
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Loan repayment security measure |
The deposit |
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Bank commissions |
In case of encashment of the credit amount, encashment fee is applied according to tariffs of the Bank |
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Fees |
Monthly minimal payment overdue penalty - 0,015 % daily, Accrued interest overdue penalty- 0,1 % daily |
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Creditworthiness assessment (credit approval criteria) |
Absence of classified credit facilities during the application submission is considered an important criteria for credit provision. |
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Other terms |
The credit is provided in the currency of the pledged monetary funds. |
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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. |
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