Individual loans provided to individuals by products / Terms and Tariffs /
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- Personal loans secured by property (with creditworthiness assessment)
- Personal loans secured by property (without income source verification)
- 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)
- Credit limit provided by Visa Infinite payment cards
- Evolution
- Deposit secured loan / credit limit
- Consumer Loans using Electronic Wallets of Bank Partner Organizations
- EvocaHOME
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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
- Renovation loans / within the framework of the programs of the National Mortgage Company, Jerm Ojakh (“Warm House”)
- Loans under the State Support Program for Energy Efficient Renovation of Apartments and Single-Family Homes
- National Mortgage Company Energy Efficiency Improvement Repair Loans "My Roof"
- National Mortgage Company Energy Efficiency Building Loans
- Mortgage loans (under the State support program for providing access to affordable housing to families displaced from certain regions of the Republic of Artsakh)
- Mortgage loans under the State Support Program for housing affordability for families in border settlements of the Republic of Armenia
- Residential Energy Efficient Loans under National Mortgage Company Program
- Housing mortgages with floating interest rate
- Housing mortgages for non-resident individuals
- Affordable housing for servicemen under NMC program
- Affordable housing for servicemen
- Mortgage loans (under the State support program for providing access to affordable housing to families displaced from certain regions of the Republic of Artsakh)
National Mortgage Company Energy Efficiency Building Loans
1. |
Eligibility |
RA residents aged 18– 63 who during the loan period will not turn 63 or the loan will be shared by a co-borrower who meets these requirements. |
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2. |
Loan currency |
AMD |
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3. |
Loan amount |
AMD 3,000,000 – AMD 45,000,000 |
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4. |
Loan repayment period |
120-240 months |
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5. |
Nominal interest rate per annum |
13% |
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If the borrower's life and property insurance is implemented by the Bank (started the second year of the loan period) |
Mentioned interest rate + 0.4% |
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6. |
Loan-to-Income ratio /OTI/ |
45% |
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7. |
Loan security |
The land parcel under development or the semifinished building, as well as other residential property. |
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8. |
Loan prepayment penalty |
Not applicable |
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9. |
Penalty for late payment of interest and principal amount |
For past due principal amount - 0,015 % per day, For past due interest amount - 0,1 % per day. |
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10. |
Loan-to-Value ratio |
Up to 70% of the appraised value of the real property |
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11. |
Loan disbursement method |
Non-cash |
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12. |
Bank fees |
No fees will be charged |
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13. |
Other conditions |
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14. |
Insurance |
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15. |
Timeline for making decision on loan application approval or rejection |
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