Loans to legal entities

Revolving credit line




RA resident and non-resident legal entities and individual entrepreneurs


Working capital replenishment


Up to AMD  1,000,000,000 or equivalent in foreign currency

Provision method


Repayment period

Up to 5 years

Repayment method

Any loan granted under the credit line can be repaid in the following ways:

  • One off – at the end of the term
  • Annuity
  • Springy
  • Other schedule type can be defined with the consent of the parties

Annual interest rate

Starting from 12.5% for AMD, starting from 8% for USD, starting from 7% for EUR

Penalty for loan principal and/or interest overdue

  • For overdue principal - 0,015 % daily
  • For overdue interest - 0.1% daily

Interest rate for the non-utilized part

0 - 4 %(By the decision of the Bank's authorized body, 0% is set as preferable for the Bank in the case of existing or participating customers, in other cases, the minimum guideline threshold should be 0.5%.


  • Movable and immovable property
  • Monetary funds available on deposit or current accounts
  • Working capital, final product
  • Standard gold bars or scrap, precious metals
  • Short term bonds issued by the government or other securities


Credit account service fee in the amount of 0.5% of the loan amount, but not less than 20,000 AMD, maximum 100,000 AMD.

In case if the loan amount is received in cash, a cash withdrawal fee is charged from the bank account according to the current tariffs

State duties and other fees

  • For ratification and registration of the pledge agreement state duty and/or service fee are paid to the

RA Authorized State Bodies.

  • Valuation fee of the pledged securities according to the tariffs defined by the independent valuating companies.


  • If you do not pay the interest and loan amount on time, the mortgaged property may be SEIZED in accordance with the law, and your information will be recorded in the Credit Register (which may subsequently prevent you from receiving new loans).
  • In the case of repayment of obligations on the account of the collateral as a result of non-fulfillment of credit obligations, if the value of the collateral is not sufficient to cover the credit obligations of the borrower, then we (according to the current legislation) have the opportunity to repay the loan obligations on account of your other property (if available).