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
Evoca online loan in our partner Wallets
|
1. |
Loan purpose |
Loans will be issued through the Bank's partners for purchasing or ordering goods (works, service) for non-commercial personal, family or household use. |
|
2. |
Eligibility |
RA residents - Bank account holders who are 21 years of age or older but will not reach the age of 63 during the loan period. |
|
3. |
Loan currency |
AMD |
|
4. |
Loan amount |
AMD 50,000.00 – AMD 500,000.00 |
|
5. |
Loan disbursement method |
Non-cash |
|
6. |
Nominal interest rate per annum |
21.5 % |
| 7. |
Actual interest rate |
23.82 % |
|
8. |
Loan repayment period |
12-36 months |
|
9. |
Loan repayment method |
Annuity payments |
|
10. |
Fees |
Not applicable |
|
11. |
Penalty charged for late payment of the principal and interest amounts |
For past due principal amount - 0.015% per day, For past due interest - 0.1% per day. |
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12. |
Creditworthiness assessment /loan approval criteria / |
According to the scoring and creditworthiness criteria applied by the Bank |
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13. |
Timeline for making decision on loan application approval or rejection |
The decision on approving or declining the loan application will be made within a few seconds. |
|
14. |
Other provisions |
The partner organization undertakes to create in its Mobile application the possibility for Users to submit an online loan application to the Customer. The loan amount is transferred to the client's account opened in the bank/or to the settlement account of the Client's partner, and the Bank undertakes to pay the Provider for the Service provided and bears responsibility in accordance with the Agreement. The Partner Organization shall be responsible for proper identification of Users/Customers |
