Individual loans provided to individuals by products / Terms and Tariffs /
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- EvocaHOME
- Individual INVESTMENT Loan
- Personal loans secured by property (creditworthiness rating)
- Personal loans secured by property (without income source verification)
- Personal loan with guarantee
- Loans with gold pledge (Lombard loan)
- Gold mortgage (pawnshop) loans with credit rating
- Deposit secured loan / credit limit
- Overdrafts with payment cards (credit cards)
- Credit limit provided by Visa Infinite payment cards
- Student consumer loans (program)
- Evolution
- Parking space purchase loan
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- Housing mortgage loans
- Housing mortgages with floating interest rate
- Housing mortgages for non-resident individuals
- Commercial mortgage loans
- Mortgage Loans under the National Mortgage Company program
- Renovation loan under National Mortgage Company
- Construction loans under the program of the National Mortgage Company
- Mortgage loans "Affordable Housing for Young Families"
- Mortgage loan to displaced families from Nagorno-Karabakh
- Home renovation mortgage loans from families displaced from Artsakh
- Mortgage loan to displaced families from Artsakh regions
- Affordable housing for servicemen under NMC program
- Affordable housing for servicemen
- Land Acquisition Loans
Action
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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. |
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Eligibility |
RA resident natural persons aged 21-65 |
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Loan currency |
AMD |
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Loan amount |
AMD |
310,000 – 10,000,000 |
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The procedure for issuing a loan |
The loan is provided in a non-cash way by crediting the client's account. |
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Annual interest rate |
Nominative |
18% - 21.5% |
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Actual |
19.58 %- 23.79 % |
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The annual nominal interest rate of the loan is determined according to the customer's creditworthiness assessment. |
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Loan repayment period |
24 – 60 months |
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Loan repayment method |
Annuity |
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Charged fees |
Not applicable |
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Penalty for overdue loan principal and interest |
For overdue principal - 0.015% per day, For overdue interest - 0.1% per day. |
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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. |
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