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)
- Gold mortgage (pawnshop) loans with credit rating
- Overdrafts with payment cards (credit cards)
- Credit limit provided by Visa Infinite payment cards
- Evolution
- Credit limit secured by funds
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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”)
- 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
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 21-58 |
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Loan currency |
AMD USD EUR |
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Loan amount |
AMD |
310,000 – 10,000,000 |
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USD |
500-20,000.00 |
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EUR |
500-20,000.00 |
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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 |
AMD |
18% - 21.5% |
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USD |
13.5% – 18% |
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EUR |
12% – 17% |
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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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