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
- 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
- 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
- Action
- Residential Energy Efficient Loans under National Mortgage Company Program
- Credit limit secured by funds
Gold mortgage (pawnshop) loans with credit rating
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 –10,000,000 |
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Loan term |
24-36 months |
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Loan repayment method |
Annuity |
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Loan provision method |
Cash and non-cash |
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Annual nominal interest rate |
19.5% |
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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 to value ratio |
Up to 150 %[1] |
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Special condition |
Within the scope of the subject loan type one borrower can have maximum liability of AMD 2,000,000 |
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Creditworthiness assessment (loan approval criteria) |
Creditworthiness assessment (loan approval criteria) |
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Other conditions |
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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. |
[1] The part exceeding 100% of the value of the pledge cannot be more than AMD 1,000,000.