Individual loans provided to individuals by products / Terms and Tariffs /
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- Personal loans secured by property (creditworthiness rating)
- 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
- EvocaHOME
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- Housing mortgage loans
- Mortgage loans "Affordable Housing for Young Families"
- Mortgage Loans under the National Mortgage Company program
- Commercial mortgage loans
- Renovation loan under National Mortgage Company
- Loans for EE renovation of apartments and individual dwellings
- National Mortgage Company EE Improvement Repair Loan, My Roof
- Construction loans under the program of the National Mortgage Company
- Mortgage loan to displaced families from Artsakh regions
- Housing mortgages with floating interest rate
- Housing mortgages for non-resident individuals
- Affordable housing for servicemen under NMC program
- Affordable housing for servicemen
- Home renovation mortgage loans from families displaced from Artsakh
Action
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Loan purpose |
The loan is provided by submitting an application through the Bank's EvocaTouch remote control system, for the purpose of ordering or purchasing goods (works, services) intended for personal, family, home or other use, not related to business activities. |
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Eligibility |
RA resident natural persons aged 21-58 |
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Loan currency |
AMD |
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Loan amount |
AMD |
310,000 – 10,000,000 |
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The procedure for issuing a loan |
The loan is provided in a non-cash way by crediting the client's account. |
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Annual interest rate |
Nominative |
18% - 21.5% |
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Actual |
19.58 %- 23.79 % |
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The annual nominal interest rate of the loan is determined according to the customer's creditworthiness assessment. |
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Loan repayment period |
24 – 60 months |
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Loan repayment method |
Annuity |
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Charged fees |
Not applicable |
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Penalty for overdue loan principal and interest |
For overdue principal - 0.015% per day, For overdue interest - 0.1% per day. |
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Timeframe for making decisions on approving or rejecting the loan application |
The decision on approval or rejection of the loan application is made within seconds The loan is provided to the Borrower in case of the Bank’s positive decision within 1 (one) business days upon completion of the pledging process. |
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