Consumer loans, secured with a deposit are provided:
Providing a loan, secured with a deposit, the pledged deposit is not terminated, and an interest continues to be accrued against the deposit.
Minimum amount - 50,000 AMD
Annual nominal interest rate:
Annual actual interest rate - 10.46-18.37%
Loan repayments – monthly at installment
Security – funds
Loan commission fee – No fee
Calculation of interest amount – daily, against the reducible loan balance.
About possible additional payments: Loan Tariffs.
YOU HAVE THE RIGHT TO COMMUNICATE WITH YOUR FINANCIAL ORGANIZATION IN YOUR PREFERRED METHOD - BY MAIL OR EMAIL. RECEIPT OF INFORMATION ELECTRONICALY IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, FREE OF THE RISK OF LOSS OF PAPER INFORMATION AND PROVIDES CONFIDENTIALITY.
The Bank may unilaterally change the contractual interest rate by notifying the Borrower at least 7 calendar days in advance, in case of non-purposeful use of the loan, as well as failure to fulfill the obligations stipulated by the loan agreement.
ATTENTION: APPLYING FOR A LOAN, THE BANK WILL PROVIDE YOU, YOUR GUARANTORS (IF AVAILABLE) WITH AN INDIVIDUAL SHEET OF SIGNIFICANT TERMS OF CONSUMER LOAN, WHERE THE INDIVIDUAL TERMS OF LOAN, PROVIDED TO YOU, WILL BE PRESENTED.
Confiscation of collateral
THE PLEDGED PROPERTY CAN BE CONFISCATED, IF THE BORROWER DOES NOT DULY REPAY THE INTEREST AMOUNTS AND LOAN AMOUNT. IF THE COLLATERAL VALUE IS INSUFFICIENT, THE BORROWER’S LIABILITIES WILL BE REPAID AT THE EXPENSE OF OTHER PROPERTY OF THE BORROWER.
Information, provided to the Credit Registry
ATTENTION: IN CASE OF FAILURE TO FULFIL THE LIABILITIES OR IMPROPER PERFORMANCE OF LIABILITIES, THE CREDITOR SHALL SEND THESE DATA TO THE CREDIT BUREAU UPON 3 WORKING DAYS, WHERE YOUR CREDIT HISTORY IS REGISTERED. YOU HAVE THE RIGHT TO RECEIVE YOUR CREDIT HISTORY FROM THE CREDIT BUREAU FREE OF CHARGE ONCE IN A YEAR.
ATTENTION: BAD CREDIT HISTORY CAN BE AN OBSTACLE FOR YOU TO RECEIVE A LOAN IN THE FUTURE.
Please be informed that:
THE GUARANTOR HAS THE RIGHT TO:
ATTENTION: "YOUR FINANCIAL DIRECTORY" IS THE ELECTRONIC SYSTEM FOR SEARCH, COMPARISON OF SERVICES, OFFERED TO INDIVIDUALS, AND MAKING THE SELECTION OF THE MOST EFFICIENT OPTIONS FOR YOU EASIER.