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
Overdrafts with payment cards (credit cards)
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Loan purpose |
The loan is granted for the purpose of ordering or purchasing goods (work, services) for personal, family, home or other use not related to business activities. |
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Who can apply |
Individual residents of RA between the age of 21-60 who are Bank’s cardholder customers. |
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Limit |
Minimum limit of AMD 100,000, USD 200, EUR 200, and maximum limit of AMD 3,000,000, USD 6,000, EUR 6,000 |
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Limit type |
Revolving with monthly minimum payment requirement |
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Limit provision process |
The credit limit is granted via Bank’s payment cards |
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Currency |
AMD, USD, EUR |
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Nominal interest rate |
AMD 18-20%, USD 16%, EUR 16% |
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Grace period |
Not provided |
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Repayment period |
36 months |
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Minimum monthly payment requirement |
Till the date specified in the statement, the cardholder is obliged to pay 5% of the limit utilized during the previous month (minimum AMD 5,000) + accrued interest. A month is defined as the period from 1st day of each month till the 1st of the following month. |
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Statement day |
1 of each month |
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Payment period starting from the statement date |
15 days (16th of each month is considered to be the due date) |
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Penalty for loan principal and/or interest overdue |
Monthly minimal payment overdue penalty - 0,015 % daily, Accrued interest overdue penalty- 0,1 % daily |
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Deadlines for approving or rejecting loan provision |
The decision to approve or reject the loan is made within 1 (one) working day. |