Terms
tariffs

Up to 50,000 Standard Standard +10% “B” Class +30% “A”
annuity to customers suspended
to customers
24 months 24 months 24-60 months 24-60 months 24-60 months
/more than 24
months only in
case of annuity/
AMD
Free repayment Free redemption Annuity With a flexible repayment Annuity /equal monthly
schedule schedule equal monthly schedule, the principal payment of principal
Principal amount Principal amount payments of principal amount is paid at the and interest/
at the end of at the end of the and interest end of the term,
the term, and term, and interest / Annuity and the interest amount
interest quarterly/ is monthly/
22% - AMD 5,000 - 50,000 Yearly
21.7% - AMD 50,001 - 500,000 Yearly
21% - AMD 500,001 - 1,000,000 Yearly
18% - AMD 1,000,001 - 500,000,000 Yearly
24% - AMD 5,000 - 50,000 Yearly
24% - AMD 50,001 - 500,000 Yearly
23.1% - AMD 500,001 - 1,000,000 Yearly
19.5% - AMD 1,000,001 - 500,000,000 Yearly
5,000 - 50,000 50,001 - 500,000,000 100,000 - 500,000,000 110,000 - 5,500,000 130,000 - 2,200,000
Not required
Առկա չէ
23 months 23 months None None None
None
90% 100% 100 % 110 % 130%
Precious items, including standardized gold bars, coins and commemorative coins, precious items, jewelry (including those with precious stones) or their scrap.
The artistic value of jewelry, the weight of precious (except diamonds), semi-precious stones on it, as well as mechanisms and non-gold parts are not appraised and are not taken into account in the appraisal value.
Not required
Consumer
Individuals over 18 years of age
0.1% daily
0,13 % daily
Based on the failure to fulfill contractual obligations, a lump sum payment may be applied from the actual sale of the Collateral in the amount of up to 15% of the loan amount, but not more than 150,000 AMD, which represents the total costs associated with the seizure and sale of the Collateral, which, however, cannot exceed the positive difference between the actual sale amount of the Collateral and the total debt amount on the loan.
In the case of loans up to and including AMD 300,000, the loan terms in effect at the time the loan granting decision is made must not be classified as non-performing.
In case of loans up to 300,000 AMD /inclusive/, the Client does not meet the creditworthiness criteria set by the Bank