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
Personal loan with guarantee
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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 18-63, whose age will not exceed 63 years throughout the loan service period or have a co-borrower meeting the above criteria throughout the loan service period. |
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Loan currency |
AMD, USD, EUR |
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Loan amount |
AMD |
1,000,000 – 5,000,000 |
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USD |
2,000 –10,000 |
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EUR |
1,500-8,000 |
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Loan repayment period |
36 months |
AMD |
1,000,000-2,000,000 |
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USD |
2,000-4,000 |
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EUR |
1,500-3,000 |
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36-60 months |
AMD |
2,000,001-5,000,000 |
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USD |
4,001-10,000 |
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EUR |
3,001-8,000 |
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Annual nominal interest rate |
AMD |
20% |
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USD |
16.5 |
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EUR |
15.5% |
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Early loan repayment penalty |
No early payment fee is applicable |
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Penalty for loan principal and/or interest overdue |
For overdue principal - 0,015 % daily, |
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Loan provision methods |
AMD |
Non-cash |
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USD, EUR |
Non-cash: transferring to card account |
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Loan repayment security measure |
AMD 1,000,001-3,000,000 |
Guarantee of at least 1 (one) physical individual or 1 (one) legal entity |
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USD 2,000-6,000 |
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EUR 1,500-5,000 |
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AMD 3,000,001-5,000,000 |
Guarantee of at least 2 (two) individuals |
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USD 6,001-10,000 |
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EUR 5,001-8,000 |
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Deadlines for approving or rejecting loan provision |
· The decision to approve or reject the loan is made within 3 (three) working days maximum, after fully providing all the initial documents requested by the Bank. |
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Other terms |
Foreign currency loan are provided via payment cards. Loans provided in AMD are credited to the Bank account. The person related to the loan applicant (family member or joint venture) should not have a valid loan of this type. |
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