Smart Credit UCO LLC - Personal loans, car loans, mortgage, gold loans

terms

Loan Purpose	Consumer
Currency	AMD
Loan amount	AMD 50,000-2,500,000
Loan Term	up to 6 months
Pledge	Gold articles (jewelry, scrap metal, gold bars), excluding white gold
Loan-Collateral ratio	up to 125%
Loan Disbursement Charge	0.5% from Loan Amount, at least AMD 1,000
Monthly service charge	0.9% from Loan Amount, at least AMD 500 maximum AMD 5,000
Payment method	Interest is paid on monthly basis and the principal is paid at the end of the loan term
Fines	Overdue amount fine - 0.13% daily, overdue interest fine - 0.13% daily
Loan conditions review	AMD 3,000
Rejection of application	Applicants who do not meet the software requirements or the customer's creditworthiness does not suffice the Organization, for which the Organization may grant written refusal at the client's request.
Other conditions	Even if the weight of the gold article exceeds 50 grams, it is calculated as 50 grams
Gold pledge return period after loan repayment	1 business day
ATTENTION:	LOAN INTEREST RATES ARE CALCULATED ON ANNUAL INTEREST RATES. ANNUAL PERCENTAGE RATE SHOWS HOW MUCH THE LOAN WILL COST IF YOU MAKE PAYMENTS FOR INTEREST RATES AND OTHER PAYMENTS IN TIME.
WARNING:	YOUR PROPERTY CAN BE RECOVERED IF YOU DON'T PAY FOR INTEREST RATES AND LOAN AMOUNT IN TIME, THE INFORMATION ABOUT YOU WILL BE REPORTED TO THE CREDIT REGISTER. IF THE BORROWER FAILS TO COMPLY WITH HIS/HER/ITS OBLIGATIONS, AND IF THE PLEDGE IS NOT SUFFICIENT TO COVER THE BORROWER'S LIABILITIES, THE BORROWER’S LIABILITIES MAY BE FULFILLED AT THE EXPENSE OF HIS/HER/ITS OTHER PROPERTIES. YOU HAVE THE RIGHT TO COMMUNICATE WITH YOUR FINANCIAL ORGANIZATION WITH MAIL OR ELECTRONIC MAIL. GETTING ELECTRONIC MAIL IS THE MOST CONVENIENT WAY OF COMMUNICATION. IT IS AVAILABLE IN 24/7 REGIME, IS FREE OF PAPER INFORMATION LOSS RISKS AND PROVIDES SECRECY.
ATTENTION	WHEN APPLYING FOR A LOAN, THE ORGANIZATION WILL PROVIDE YOU WITH AN INDIVIDUAL LEAFLET ON THE ESSENTIAL TERMS OF THE CONSUMER LOAN, WHERE THE INDIVIDUAL TERMS OF THE LOAN TO BE PROVIDED WILL BE PRESENTED.
ATTENTION	"YOUR FINANCIAL DIRECTORY" IS AN ELECTRONIC SYSTEM THAT SEARCHES, COMPARES AND FACILITATES THE CHOICE OF THE MOST EFFICIENT VERSION OF SERVICES SUGGESTED TO PHYSICAL PERSONS.
ATTENTION	LOAN INTEREST RATES ARE CALCULATED ON ANNUAL INTEREST RATES. ANNUAL PERCENTAGE RATE SHOWS HOW MUCH THE LOAN WILL COST IF YOU MAKE PAYMENTS FOR INTEREST RATES AND OTHER PAYMENTS IN TIME.
ATTENTION	IF YOUR OBLIGATION IS NOT FULFILLED OR NOT PROPERLY FULFILLED, THE ORGANIZATION 3 BUSINESS DAYS LATER SENDS THIS DATA TO THE CREDIT BUREAU WHERE YOUR CREDIT HISTORY IS FORMED. YOU HAVE THE RIGHT TO GET YOUR CREDIT HISTORY FROM THE CREDIT BUREAU FREE OF CHARGE ONCE A YEAR. ATTENTION: POOR CREDIT HISTORY CAN PREVENT YOU FROM GETTING A LOAN IN THE FUTURE. THE CREDITOR HAS THE RIGHT TO PERFORM (FULFILL) HIS/HER/ITS OBLIGATIONS UNDER THIS AGREEMENT ANY TIME BEFORE THE TERM. IN THAT CASE, AS WELL AS IN THE CASE OF EARLY REPAYMENT OF THE LOAN AMOUNT, THE TOTAL LOAN EXPENDITURE IS PROPORTIONALLY REDUCED AND NO SANCTIONS CAN BE APPLIED (FINES OR ANY OTHER MEANS WORSENING BORROWER'S STANDING). OF THE TOTAL LOAN EXPENDITURE, THE FOLLOWING COSTS SHALL NOT BE SUBJECT TO THE PROPORTIONAL REDUCTION: INSURANCE FEES, LOAN DISBURSEMENT ONE-OFF FEE, LOAN WITHDRAWAL FEES, LOAN SERVICE FEES. THE CREDITOR MAY BENEFIT FROM THE ABOVE-MENTIONED RIGHT IN CASE OF CONSUMER CREDIT IN THE AMOUNT OF UP TO AMD 15 MLN.

Required documents

PASSPORT AND SOCIAL SECURITY CARD, OR ID CARD

other loans

Mortgage loans

PRINCIPAL AT THE END

other loans