Tariffs
| Cash operations | ||
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Cash provision from customer’s loan account | |
| AMD | 0.3% | |
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USD |
0.5% | |
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Other freely convertible currency |
Daily tariff | |
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Banknote’s authenticity check | |
| AMD | 0 AMD | |
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Other freely convertible currency |
0.1% minimum 200 AMD | |
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2. |
Loan operations | |
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2.1 |
Loan application review fee for legal and other economic entities |
A lump-sum is charged |
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2.1.1 |
Business loans (including acquisition of car loans for legal and economic entities) |
15 000 AMD |
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''MICRO'' loans | 5 000 AMD |
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''MICRO'' loans | 5 000 AMD |
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EXPRESS loans | 5 000 AMD |
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EXPRESS + loans | 8 000 AMD |
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2.2 |
Loan service commission for legal and economic entities |
A lump-sum is charged |
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Business loans (including car loans for legal and economic entities) |
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Until 20 000 000 AMD or equal currency |
loan amount’s 0.5%, Minimum 50 000 AMD, Maximum 100 000 AMD |
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Starting 20 000 001 and equal currency |
loan amount’s 0.3%, Minimum 100 000 AMD, Maximum 500 000 AMD |
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EXPRESS loan service commission |
Loan amount’s 2.5% minimum AMD 30 000 |
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EXPRESS + loan service commission |
Loan amount’s 1.5% minimum AMD 30 000 |
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Main loan agreement (for five years time) signing fee |
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Until 20 000 000 AMD | 30 000 AMD |
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20 000 001 AMD | 60 000 AMD |
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Moreover, for non-cash loans is charged | transaction fee* |
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Guarantees provision | A lump-sum is charge |
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Application Fee for Guarantee | 15 000 AMD |
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Guarantee commission Application provision (contest participation) guarantees |
guarantee amount’s 1.5% Minimum 30 000 AMD, Maximum 500 000 AMD |
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Works accomplishment and prepayments provision guarantees |
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Untill 366 days |
guarantee amount’s 2% Minimum 50 000 AMD |
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366 to 548 days |
guarantee amount’s 2.5% Minimum 70 000 AMD |
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More than 548 days |
guarantee amount’s 3% Minimum 100 000 AMD |
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Accomplished works’ quality (after finishing) and other guarantees |
guarantee amount’s 3% Minimum 50 000 AMD |
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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 |
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Mortgage loans | 5 000 AMD |
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Housing microloans | 5 000 AMD |
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Energy efficient renovation | 5 000 AMD |
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Real estate renovation loans | 5 000 AMD |
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Loans secured by movable and real estate or by an individual guarantee |
10 000 AMD |
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|
4 000 AMD |
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Car loans for individuals | 10 000 AMD |
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Loans for Purchase of goods (Bicycle) | 2 000 AMD |
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Emergency Cash Loans |
2 000 AMD |
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Գումարային շտապօգնություն + վարկեր | 2 000 AMD |
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Pension loans | 1 000 AMD |
|
2.4 |
Loan service Commissions for Individuals (including VAT) |
A lump-sum is charged |
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Mortgage loans |
loan amount’s 0.7% Minimum 30 000 AMD Maximum 100 000 AMD |
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Car loans Primary market |
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Untill 5 000 000 AMD | 30 000 AMD |
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5 000 001 AMD to 10 000 000 AMD | 45 000 AMD |
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10 000 001 AMD and more | 60 000 AMD |
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Secondary market | 40 000 AMD |
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"Withe Guarantee" Consumer Loan |
loan amount’s 0.2%, minimum AMD 20 000, maximum AMD 150 000 |
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"Movable/real estate + Incomes" Loans |
1.9% of principal amount balance of the loan |
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Labour Loans |
2% of loan amount |
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Loans for goods (furniture, household appliances, etc.) acquisition |
5 000 AMD |
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Up to 150 000 AMD | 2 000 AMD |
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150 001 AMD - 250 000 AMD | 4 000 AMD |
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250 001 AMD - 500 000 AMD | 5 000 AMD |
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500 001 AMD - 800 000 AMD | 7 000 AMD |
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800 001 AMD and more | 9 000 AMD |
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Service loans |
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150 000 AMD - 400 000 AMD | 2 000 AMD |
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400 001 AMD - 600 000 AMD | 5 000 AMD |
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600 001 AMD - 800 000 AMD | 8 000 AMD |
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800 001 AMD and more | 10 000 AMD |
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Gold Loans | |
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Until 150 000 AMD | 2 000 AMD |
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150 001 AMD - 250 000 AMD | 4 000 AMD |
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250 001 AMD - 500 000 AMD | 6 000 AMD |
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500 001 AMD - 800 000 AMD | 8 000 AMD |
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800 001 AMD – 1 000 000 AMD | 10 000 AMD |
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1 000 001 AMD and more | 12 000 AMD |
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Pension loans | 10 000 AMD |
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2.5 |
Energy efficient purchase loan fee for individuals | 2 000 AMD monthly |
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2.6 |
Loan service commisions for Agricultural Loans | A lump-sum is charged |
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Micro-Agricultural Loans | loan amount's 2.5% |
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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% |
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Agricultural/Rural Loans | loan amount's 2% |
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"Job Creation" Project Loans | loan amount's 1.5% |
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"Water-to-Market"Project Loans | loan amount's 1.5% |
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2.7 |
Other payments | |
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Reference concerning credit line provision (including VAT) | 5 000 AMD |
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Reference concerning loan liabilities (including VAT) |
3 000 AMD |
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Reference on rent allowance, registration allowance, state number changing allowance, etc. (including VAT) |
3 000 AMD |
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Loan statement ** (including VAT) | 1 000 AMD |
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Allowance of secondary collateral | |
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In case of real estate (including VAT) | 100 000 AMD |
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In case of fixed assets and other collateral (including VAT) | 50 000 AMD |
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Loan conditions review | |
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For “EXPRESS” and “EXPRESS +” loans | 30 000 AMD |
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For Business loans (including acquisition of car loans for legal and economi entities) |
50 000 AMD |
|
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Loans to individuals (excluding mortgage and agricultural loans) |
|
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Change of Collateral | 30 000 AMD |
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Loan conditions review |
Loan balance 0.5 % Minimum 10 000 AMD |
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* |
According to remitting bank’s tariffs | |
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** |
In case of duplicate | |
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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. |
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