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% — 5,000 to 50,000 AMD
21.5% — 50,001 to 500,000,000 AMD
24% - 5,000 to 50,000 AMD
23.75–23.83% - 50,001 to 500,000,000 AMD
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
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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
ATTENTION: LOAN INTEREST RATES ARE CALCULATED BASED ON THE NOMINAL INTEREST RATE, WHILE THE ANNUAL ACTUAL INTEREST RATE SHOWS HOW MUCH THE LOAN WILL COST IF THE INTEREST AMOUNTS AND OTHER PAYMENTS ARE MADE WITHIN THE SPECIFIC PERIOD AND AMOUNTS. THE ANNUAL ACTIVE INTEREST RATE CALCULATION PROCEDURE IS POSTED ON THE BANK'S OFFICIAL WEBSITE․
ATTENTION: IN THE EVENT OF YOUR FAILURE TO FULFILL OR IMPROPERLY FULFILL THE OBLIGATION, THE BANK WILL SEND THESE DATA TO THE ACCRA CREDIT BUREAU AND THE CREDIT REGISTRY OF THE CBA WITHIN 3 WORKING DAYS, WHERE YOUR CREDIT HISTORY IS FORMED. YOU HAVE THE RIGHT TO OBTAIN YOUR CREDIT HISTORY FROM THE CREDIT BUREAU ONCE A YEAR FOR FREE. ATTENTION: A BAD CREDIT HISTORY MAY PREVENT YOU FROM OBTAINING A LOAN IN THE FUTURE.
SERVICES ARE PROVIDED IN ALL BRANCHES OF THE BANK, WITH THE EXCEPTION OF “ZVARTNOTS” AND “HIN NORK” BRANCHES.
YOU CAN FIND THE TERMS AND PROCEDURE OF TELEPHONE SERVICE HERE.
In case of early repayment of the loan by the customer, the loan interest is reduced proportionally, as well as service fees, if any, if the latter is accrued on a daily basis, and payments made to third parties are not subject to reduction.
The terms, terms and tariffs for providing statements, their copies, references and other information are published on the Bank's Other Services Tariffs page: https://fastbank.am/hy/more/other.
Adjustable fixed interest rate calculation methodology here.
Loan disbursement method:
non-cash
Place of loan issuance:
IN ALL BRANCHES OF THE BANK, EXCEPT "ZVARTNOTS" AND "HIN NORK" BRANCHES