Individual loans provided to individuals by products / Terms and Tariffs /
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- Personal loans secured by property (with creditworthiness assessment)
- Personal loans secured by property (without income source verification)
- Personal loan with guarantee
- Student consumer loans (program)
- Loans with gold pledge (Lombard loan)
- Gold mortgage (pawnshop) loans with credit rating
- Overdrafts with payment cards (credit cards)
- Credit limit provided by Visa Infinite payment cards
- Evolution
- Deposit secured loan / credit limit
- Consumer Loans using Electronic Wallets of Bank Partner Organizations
- EvocaHOME
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- Housing mortgage loans
- Mortgage loans "Affordable Housing for Young Families"
- Mortgage loans within the framework of the program on National Mortgage Company
- Commercial mortgage loans
- Renovation loans / within the framework of the programs of the National Mortgage Company, Jerm Ojakh (“Warm House”)
- Loans under the State Support Program for Energy Efficient Renovation of Apartments and Single-Family Homes
- National Mortgage Company Energy Efficiency Improvement Repair Loans "My Roof"
- National Mortgage Company Energy Efficiency Building Loans
- Mortgage loans (under the State support program for providing access to affordable housing to families displaced from certain regions of the Republic of Artsakh)
- Mortgage loans under the State Support Program for housing affordability for families in border settlements of the Republic of Armenia
- Residential Energy Efficient Loans under National Mortgage Company Program
- Housing mortgages with floating interest rate
- Housing mortgages for non-resident individuals
- Affordable housing for servicemen under NMC program
- Affordable housing for servicemen
- Mortgage loans (under the State support program for providing access to affordable housing to families displaced from certain regions of the Republic of Artsakh)
EvocaHOME
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1. |
Loan purpose |
Loans will be issued for purchasing, ordering of goods (services) offered by Bank partner organizations – engaged in selling construction materials, household appliances and furniture items (services). |
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2. |
Eligibility |
RA resident individuals aged 21-58 |
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3. |
Credit limit |
AMD 500,000 – AMD 10,000,000 |
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4. |
Limit type |
Non-revolving |
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5. |
Method of assigning the limit |
The credit limit will be transferred to the Bank's ARCA payment card. |
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6. |
Currency |
AMD |
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7. |
Nominal interest rate |
16% |
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8. |
Actual interest rate |
17.42% |
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9. |
Grace period |
Not available |
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10. |
Repayment period |
60 months |
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11. |
Repayment method |
In equal principal payments |
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12. |
Account statement date |
By 10th day of each month |
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13. |
Due date |
16th day of each month (if the 16th day of the given month is a non-business day, the due date of such payment shall be extended to the next succeeding business day). |
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14. |
Penalty for late payment of interest and principal amount |
For past due principal amount - 0,015 % per day, For past due interest amount - 0,1 % per day. |
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15. |
Timeline for making decision on loan application approval or rejection |
The decision on the loan application will be made within a few seconds. |
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