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
Loans in the framework of Renewable Energy and Energy Saving programs
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Loan purpose |
a) Purchase of photovoltaic system by the customers with a capacity of up to 10 kW b) Purchase of solar water heaters by the customers |
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Who can apply |
RA citizens at the age of 18– 63 from gasified or non-gasified communities, whose main source of income is in RA and whose age will not exceed 63 years throughout the loan service period |
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Location of the property |
Non-gasified and gasified communities of RA |
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Loan currency |
AMD |
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Loan amount |
300,000-3,000,000 |
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Repayment period |
Up to 96 months |
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Annual nominal interest rate |
Non-gasified communities |
8% |
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Gasified communities |
10% |
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Early loan repayment penalty |
No early loan repayment 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 payment schedule |
Annuity |
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Loan repayment security measure |
Guarantee |
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Loan provision method |
Non-cash (the amount is transferred to the seller’s account) |
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Bank commission |
Not applicable |
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Creditworthiness assessment (loan approval criteria) |
Simplified credit assessment in accordance with personal lending of physical individuals. |
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Other terms |
· Energy efficiency greater than 15%, simple repurchase for the program is up to 15 years (the simple repurchase is calculated according to current energy tariff) |
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Deadlines for approving or rejecting loan provision |
The decision to approve or reject the loan is made within 10 (ten) working days maximum. |
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