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
Renovation loans / within the framework of the programs of the National Mortgage Company, Jerm Ojakh (“Warm House”)
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Loan purpose |
Renovation of residential property with the aim to increase energy efficiency |
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Who can apply |
Individual resident of RA between the age of 18-63 whose main source of income is within RA and 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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Location of the property |
In the whole territory of RA, except for Kentron community of Yerevan |
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Loan currency |
AMD |
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Loan amount |
AMD 275,000- 3,000,000 |
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Loan repayment period |
60 - 84 months |
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Annual nominal interest rate |
12.5% |
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Penalty for loan principal and/or interest overdue |
For overdue principal - 0,015 % daily, |
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Loan payment schedule |
6-month grace period is provided with monthly interest payment only. After the grace period annuity or springy schedules |
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Loan repayment security measure |
Third party (parties) guarantee (if required) |
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Insurance |
• Accidental death insurance for borrowers, the coverage of which must be at least equal to the loan amount. |
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Other terms |
One unit of the residential property can be renovated several times at the expense of the funds granted within the scope of the Project. |
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Rerequisites for providing a loan |
A minimum of 40% of the loan proceeds should be directed to the acquisition of measures / materials to enhance the energy efficiency of residential real estate, including up to 20% of the loan amount may be directed to the acquisition of energy-saving household appliances (energy efficient materials / supplies acceptable under the Project). list ադիր mandatory limits are set in the Operational Manual developed for the Project). At least 80% of all measures taken must be substantiated by proof of payment. 100% of energy efficient measures must be substantiated by proof of payment.
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Deadlines for approving or rejecting loan provision |
· The decision to approve or reject the loan is made within 10 (ten) working days maximum, after fully providing all the initial documents requested by the Bank. |
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