Agricultural raw materials procurement subsidy loans

Agricultural loan

Procurement (purchasing) of agricultural raw materials (fruits and vegetables, grapes, milk, and agricultural animals)

• Procurement (purchasing) of grapes for processing activities
• Procurement (purchasing) of fruits and vegetables for processing activities
• Procurement (purchasing) of milk for processing activities
• Procurement (purchasing) of fruits, vegetables, and grapes for cold storage and export activities
• Purchase of agricultural animals by slaughterhouses
• Purchase of chinchillas for fur export activities

Resident legal entity of the Republic of Armenia, individual entrepreneur

ՀՀ դրամ

0-6 months*

• Procurement (purchasing) of grapes for processing activities — 12–36 months
• Procurement (purchasing) of fruits and vegetables for processing activities — 12–18 months
• Procurement (purchasing) of milk for processing activities — 12–18 months
• Procurement (purchasing) of fruits, vegetables, and grapes for cold storage and export activities — 12–18 months
• Purchase of agricultural animals by slaughterhouses — 12–18 months
• Purchase of chinchillas for fur export activities — 12–18 months

• Annuity (equal monthly payment of principal and interest)
• Differentiated (equal monthly payment of principal and interest)
• Individual payment schedule depending on the specifics of the business

          Repayment method at the client's choice

Նվազագույն՝ 1,000,000 ՀՀ դրամ
Առավելագույն՝ 4,000,000,000 ՀՀ դրամ

17% 

4.60-16.67%

9 percentage points *****

none

0.1% daily

0.13% օրական

none

Real estate and/or
Guarantee(s):
• For corporate clients — personal guarantees from the founders and beneficial owners of the business
• For individual entrepreneurs — if the beneficial owner is a third party, a guarantee from the beneficial owner
Movable property: in cases where real estate does not provide the required loan-to-collateral ratio, movable property may serve as additional collateral. When both real and movable property are pledged, the share of movable property in the overall loan-to-collateral ratio cannot exceed 20%.

By decision of the Credit Committee, other forms of collateral may also be required.

In the case of collateral in the form of a motor vehicle, the manufacturing age of the vehicle must not exceed:
• 5 years for vehicles manufactured in Russia
• 10 years for vehicles manufactured in other countries

Գրավի գնահատված շուկայական արժեքի առավելագույնը 70%-ի չափով

According to Appendix 3

Loan amount **