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% minimum 200 AMD

 2. 

Loan operations  

2.1

Loan application review fee for legal and other economic entities

A lump-sum is charged

2.1.1

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

15 000 AMD

 

''MICRO'' loans 5 000 AMD

 

''MICRO'' loans 5 000 AMD

 

EXPRESS loans 5 000 AMD

 

EXPRESS + loans 8 000 AMD

2.2

Loan service commission for legal and economic entities

A lump-sum is charged

 

Business loans (including car loans for legal and economic entities)

 

 

Until 20 000 000 AMD or equal currency

loan amount’s 0.5%,

Minimum 50 000 AMD,

Maximum 100 000 AMD

 

Starting 20 000 001 and equal currency

loan amount’s 0.3%,

Minimum 100 000 AMD,

Maximum 500 000 AMD

 

EXPRESS loan service commission

Loan amount’s 2.5%

minimum AMD 30 000

 

EXPRESS + loan service commission

Loan amount’s 1.5%

minimum AMD 30 000

 

Main loan agreement (for five years time) signing fee

 

 

Until 20 000 000 AMD 30 000 AMD

 

20 000 001 AMD 60 000 AMD

 

Moreover, for non-cash loans is charged transaction fee*

 

Guarantees provision A lump-sum is charge

 

Application Fee for Guarantee 15 000 AMD

 

Guarantee commission

Application provision (contest participation) guarantees

guarantee amount’s 1.5%

Minimum 30 000 AMD,

Maximum 500 000 AMD

 

Works accomplishment and prepayments provision guarantees

 

 

Untill 366 days

guarantee amount’s 2%

Minimum 50 000 AMD

 

366 to 548 days

guarantee amount’s 2.5%

Minimum 70 000 AMD

 

More than 548 days

guarantee amount’s 3%

Minimum 100 000 AMD

 

Accomplished works’ quality (after finishing) and other guarantees

guarantee amount’s 3%

Minimum 50 000 AMD

 

Extension of guarantee terms, changes of contract conditions

guarantee amount’s 1.5%

Minimum 50 000 AMD

 2.3

Loan 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

 

  • Loans for goods (furniture, household appliances, etc.) acquisition
  • Student loans
  • Loans for services
4 000 AMD

 

Car loans for individuals 10 000 AMD

 

Loans for Purchase of goods (Bicycle) 2 000 AMD

 

Emergency Cash Loans

2 000 AMD

 

Գումարային շտապօգնություն + վարկեր 2 000 AMD

 

Pension loans 1 000 AMD

 2.4

Loan service Commissions for Individuals (including VAT)

A lump-sum is charged

 

Mortgage loans

loan amount’s 0.7%

Minimum 30 000 AMD

Maximum 100 000 AMD

 

Car loans

Primary market

 

 

Untill 5 000 000 AMD 30 000 AMD

 

5 000 001 AMD to 10 000 000 AMD 45 000 AMD

 

10 000 001 AMD and more 60 000 AMD

 

Secondary market 40 000 AMD

 

"Withe Guarantee" Consumer Loan

loan amount’s 0.2%,

minimum 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

 

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

 

   

 

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 8 000 AMD

 

800 001 AMD and more 10 000 AMD

 

   

 

 Gold Loans  

 

Until 150 000 AMD  2 000 AMD

 

150 001 AMD - 250 000 AMD  4 000 AMD

 

250 001 AMD - 500 000 AMD  6 000 AMD

 

500 001 AMD - 800 000 AMD  8 000 AMD

 

800 001 AMD – 1 000 000 AMD  10 000 AMD

 

1 000 001 AMD and more  12 000 AMD

 

Pension loans  10 000 AMD

2.5

Energy efficient purchase loan fee for individuals 2 000 AMD monthly

2.6 

Loan service commisions for Agricultural Loans A lump-sum is charged

 

Micro-Agricultural Loans loan amount's 2.5%

 

Micro-Agricultural Loans /if the customer has previously been financed by

the company at least 2 times and the number of his overdue loan

days for 1 credit phase doesn't exceed 25 days/

 loan amount's 2%

 

Agricultural/Rural Loans  loan amount's 2%

 

"Job Creation" Project Loans  loan amount's 1.5%

 

"Water-to-Market"Project Loans  loan amount's 1.5%

 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

 

Allowance of secondary collateral  

 

In case of real estate (including VAT)  100 000 AMD

 

In case of fixed assets and other collateral (including VAT)  50 000 AMD

 

Loan conditions review  

 

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

Loan balance 0.5 %

Minimum 10 000 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: 06/05/2016 16:27:02