Individual loans provided to individuals by products / Terms and Tariffs /
- Housing mortgage loans
- Housing mortgages with floating interest rate
- Housing mortgages (without income analysis)
- 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
- SingleTOUCH
- 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
- Credit limit secured by deposit
- Loans in the framework of Renewable Energy and Energy Saving programs
SingleTOUCH
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Loan purpose |
The loan is granted by submitting an application through the Bank’s “EvocaTOUCH” remote system 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 21-58 who are also Bank’s cardholder customers. |
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Loan currency |
AMD, USD |
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Loan amount |
AMD |
300,000 – 5,000,000 |
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USD |
500-10,000 |
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Loan provision process |
The loan is provided by non-cash method only by crediting to customer’s payment card. For Bank cardholder customers the loan is provided by immediately crediting on the payment card. For those individuals who are not considered Bank’s cardholder customers, in case of approval of the loan application, a payment card is issued in the name of the latters. In case of issuance of a payment card the loan amount is credited to the card account[1]
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Annual nominal interest rate |
AMD |
21.5 % |
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USD |
18 % |
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Loan repayment period |
60 months |
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Loan repayment method |
Annuity |
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Fees |
Not applicable |
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Penalty for loan principal and/or interest overdue |
For overdue principal - 0,015 % daily, For overdue interest - 0,1 % daily
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Creditworthiness assessment (loan approval criteria) |
Creditworthiness assessment (loan approval criteria) |
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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. The loan is granted in case of Bank’s positive decision, within 1 (one) working day. |
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[1] Customer can collect the payment card from the Bank premises or can receive it with mail delivery