Individual loans provided to individuals by products / Terms and Tariffs /
-
- Property secured personal installment loan (with creditworthiness assessment)
- 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
- Credit limit provided by Visa Vision payment cards
- Evolution
- Credit limit secured by funds
- Loans in the framework of Renewable Energy and Energy Saving programs
- Action
-
- 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"
- Residential Energy Efficient Loans under National Mortgage Company Program
- Housing mortgages with floating interest rate
- Housing mortgages for non-resident individuals
Action
|
Loan purpose |
The loan is provided by submitting an application through the Bank's EvocaTouch remote control system, for the purpose of ordering or purchasing goods (works, services) intended for personal, family, home or other use, not related to business activities. |
|
|
Eligibility |
RA resident natural persons aged 21-58 |
|
|
Loan currency |
AMD USD EUR |
|
|
AMD |
310,000 – 10,000,000 |
|
|
USD |
500-20,000 |
|
|
EUR |
500-20,000 |
|
|
The procedure for issuing a loan |
The loan is provided in a non-cash way by crediting the client's account. |
|
|
Annual interest rate1 |
AMD |
18% - 21.5%1
|
|
USD |
13.5% – 18%1 |
|
|
EUR |
12% – 17% 1
|
|
|
Loan repayment period |
24 – 60 months |
|
|
Loan repayment method |
Annuity |
|
|
Charged fees |
Not applicable |
|
|
Penalty for overdue loan principal and interest |
For overdue principal - 0.015% per day, For overdue interest - 0.1% per day. |
|
|
Timeframe for making decisions on approving or rejecting the loan application |
The decision on approval or rejection of the loan application is made within seconds The loan is provided to the Borrower in case of the Bank’s positive decision within 1 (one) business days upon completion of the pledging process. |
|
[1]The maximum loan amount and annual nominal interest rate are determined according to the customer's creditworthiness assessment
