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

terms

Currency	AMD
Loan Disbursement Method	Cash or Non-cash (bank/card account owned by the customer)
Loan amount	AMD 100,000-1,000,000
Loan Term	6-24 months
Annual Interest Rate	24%
Annual Percentage Rate	44,92%-50,07%
One-time commission	3,5%
Monthly service charge	0.5% from Loan Amount, at least AMD 1,000, maximum AMD 5,000
Loan and interest repayment method	Annuity
Frequency of repayment of principal and interest	Monthly
Fines	Overdue amount fine - 0.13% daily, overdue interest fine - 0.13% daily
Age of Borrower	at least 21-year-old
Required documents	Passport and Social Security Card, or ID Card, reference from the workplace, and other documents as needed
Loan Security	Guarantee (if needed)
Required conditions	Client creditworthiness, positive credit history
Maximum period of making a decision	On the day of presentation of Loan application
Loan Disbursement period	On the day of presentation of Loan application
Rejection of application	Applicants who do not meet the program requirements or the customer's creditworthiness does not suffice the Organization, for which the Organization may grant written refusal at the client's request.
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 AND OTHER PAYMENTS IN TIME.
WARNING	YOUR PROPERTY CAN BE RECOVERED IF YOU DON'T PAY FOR INTEREST 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. fininfo.am
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. THE CALCULATION METHOD OF ANNUAL PERCENTAGE RATE CAN BE FOUND HERE: Effective Interest Rate
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

Business loans

CONSUMER LOAN

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