Tariffs

Cash operations

 

Cash provision from customer’s loan account  
AMD 0.3%

USD

0.5%

Other freely convertible currency

Daily tariff

 

Banknote’s authenticity check  
AMD 0 AMD

Other freely convertible currency

0.1% at least 200 AMD

 2. 

Loan operations  

2.1

Loan application review fee for legal entities and individual entrepreneurs

A lump-sum is charged

2.1.1

"Business" loans 

15 000 AMD
 

"INSTANT MICRO" loans

2 000 AMD

 

''MICRO'' loans 5 000 AMD

 

"EXPRESS" loans 5 000 AMD

 

"EXPRESS+" loans 8 000 AMD
  "Job creation" program loans  5 000 AMD

2.2

Loan service commission for legal entities and individual entrepreneurs

A lump-sum is charged

 

"Business" loans in AMD

 1% of loan amount at least 50 000 AMD

 

for Up to 20 000 000 AMD equal currency

 0.5% of loan amount,

At least 50 000 AMD,

Maximum 100 000 AMD

 

for 20 000 001 AMD equal currency

 0.3% of loan amount,

At least 100 000 AMD,

Maximum 500 000 AMD

  "EXTRA BUSINESS" loans

for up to 30 days: 1.25% of loan amount, for up to 45 days: 1.85% of loan amount

  "INSTANT MICRO" loans in AMD

3.5% of loan amouny

  "INSTANT MICRO" loans in USD

3% of loan amount

  "Micro" business in USD

3% of loan amount,
At least 30 000 AMD 

  "Micro" business  in AMD

4% of loan amount,
At least 50 000 AMD 

 

"EXPRESS" loan in USD

2.5% of loan amount
At least 30 000 AMD

  "EXPRESS" loan in AMD

3.75% of loan amount
At least 50 000 AMD

 

"EXPRESS +" loan in USD

 1.5% of loan amount,
At least 50 000 AMD

  "EXPRESS +" loan in AMD

3.75% of loan amount
At least 50 000 AMD

  "INSTANT EXPRESS" loan in USD

2.5% of loan amount
At least 30 000 AMD

  "INSTANT EXPRESS" loan in AMD

3.75% of loan amount
At least 50 000 AMD

 2.2.1 Loan service monthly payment for Legals and Private Employers for AMD: according to initial balance of loan amount, for USD: according to declining balance of loan amount
  "MICRO" loan 0.45% of loan amount (AMD), 0.5% of loan amount (USD)
  "EXPRESS" loan 0.35% of loan amount (AMD), 0.5% of loan amount (USD)
  "EXPRESS+" loan 0.27% of loan amount (AMD), 0.5% of loan amount (USD)
  "INSTANT MICRO" loans 1% of loan amount (AMD), 1.5% of loan amount (USD)
  "EXTRA BUSINESS" loans 1% of loan amount
  "INSTANT EXPRESS" loans 0.35% of loan amount (AMD), 0.5% of loan amount (USD)
  "Business" loans 0.19% of loan amount 
  Renewable credit line 0.35% of loan amount (AMD)
2.3 Payment for encashment/transfer of loans provided by  Department of Legal entities crediting  
  "INSTANT MICRO", "MICRO", "INSTANT EXPRESS", "EXPRESS", "EXPRESS+" loans 1% of loan amount
  "Business" loan  0.5% of loan amount
  Renewable credit line 1% of loan amount, at least 50 000 AMD
2.3.1 In all other cases of non-cash loans the commission is charged in accordance with the tariff specified by the transferring bank

 2.3.2

Guarantees provision According to the agreement

 

Application Fee for Guarantee 15 000 AMD

 

Guarantee commission

Application provision (contest participation) guarantees

 1.5% of guarantee amount,

At least 30 000 AMD,

Maximum 500 000 AMD

 

Works accomplishment and prepayments provision guarantees

 

 

Up to 366 days

2% of guarantee amount,

At least 50 000 AMD

 

366 to 548 days

 2.5% of guarantee amount,

At least 70 000 AMD

 

More than 548 days

3% of guarantee amount

At least 100 000 AMD

 

Accomplished works’ quality (after finishing) and other guarantees

3% of guarantee amount

At least 50 000 AMD

 

Extension of guarantee terms, changes of contract conditions

 1.5% of guarantee amount

At least 50 000 AMD

2.4

Application review fee for individuals

a lump sum is charged

 

Mortgage loans 5 000 AMD

 

Housing microloans 5 000 AMD

 

Energy efficient renovation 5 000 AMD

 

Real estate renovation loans 5 000 AMD

 

Loans secured by movable and real estate or by an individual guarantee

10 000 AMD

 

"Emergency Cash" Loans

2 000 AMD

 

"Emergency Cash+" loans 2 000 AMD

 

"Pension" loans 1 000 AMD

 

"Salary fivefold" loans 3 000 AMD
  "Salarey tenfold" loans 3 000 AMD

 2.5

Loan service Commissions for Individuals (including VAT)

A lump-sum is charged

 

Mortgage loans

0.7% of loan amount,

At least 30 000 AMD

Maximum 100 000 AMD

  "Micro" renovation loans

0.7% of loan amount, at least 30 000 AMD

maximum 100 000 AMD and 0.4% of loan balance monthly

  Habitat for humanity program

0.4% of loan balance monthly 

 

"With Guarantee" Consumer Loans

 0.2% of loan amount, at least AMD 20 000,

Maximum AMD 150 000

 

"Movable/real estate + Incomes" Loans
"Movable/real estate - Incomes" Loans

1.9% of principal amount balance of the loan, monthly

 

Labour Loans

2% of loan amount

 

Loans for goods (furniture, household appliances, etc.) acquisition

5 000 AMD

 

Up to 150 000 AMD 2 000 AMD

 

150 001 AMD - 250 000 AMD 4 000 AMD

 

250 001 AMD - 500 000 AMD 5 000 AMD

 

500 001 AMD - 800 000 AMD 7 000 AMD

 

800 001 AMD and more 9 000 AMD

 

   
  Student loans  
  up to 150 000 AMD  2 000 AMD
   150 001-250 000 AMD  4 000 AMD
   250 001-500 000 AMD  5 000 AMD
   500 001- 800 000 AMD  7 000 AMD
  800 001 and more 9 000 AMD
     

 

Service loans

 

 

150 000 AMD - 400 000 AMD 2 000 AMD

 

400 001 AMD - 600 000 AMD 5 000 AMD

 

600 001 AMD - 800 000 AMD 7 000 AMD

 

800 001 AMD and more 8 000 AMD

 

   
  "Emergency cash" loans
  1. for up to 150 000 AMD- 4% of loan amount, monthly
  2. from 150 001- 300 000 AMD- 3% of loan amount, monthly
  "Salary fivefold"  and "Salary tenfold" loans 2% of loan amount, monthly

 

"Pension" loans 2% of loan amount, monthly
  Pledged mode of transportation's parking fee  350 AMD, daily

2.6

Loan service fee for agricultural loans a lump sum is charged
  Agricultural loan 1.5% of loan amount (AMD), 3.5-6% of loan amount (USD)
  GFK loan 0.7% of loan amount
  "Water to market" loans 1.5% of loan amount

 2.7

Other payments  

 

Reference concerning credit line provision (including VAT)  5 000 AMD

 

Reference concerning loan liabilities (including VAT)

 3 000 AMD

 

Reference on rent allowance, registration allowance, state number

changing allowance, etc. (including VAT)

 3 000 AMD

 

Loan statement ** (including VAT)  1 000 AMD

 

In case of making change of pledge by the request of the customer  
  Change of mode of transportation  5 000 AMD
  Change of realty 10 000 AMD
  Change of guarantee 5 000 AMD
  Review of loan conditions  

 

For “EXPRESS” and “EXPRESS +” loans  30 000 AMD

 

For Business loans (including acquisition of car loans for legal and economi entities)

 50 000 AMD

 

Loans to individuals (excluding mortgage and agricultural loans)

 

 

Change of Collateral  30 000 AMD

 

Loan conditions review

0.5 % of loan balance,

At least 10 000 AMD

  Agreement signing out of the office

15 000 AMD

  Providing a duplicate of a letter of exemption

3 000 AMD

*

According to remitting bank’s tariffs  

** 

In case of duplicate  

Tariffs for services rendered by the credit company are charged only in AMD.

Introduced tariffs, rates and service lists may be changed from time to time. The changes will be disclosed to public by credit company’s information office, press releases or other mass media.

Updated:18/12/2018 17:16:05