pin 27 Hr.Kochar str, Yerevan
telephone +374 60 52 22 25
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annual interest rate starting from 12%
Maximum amount AMD 50,000,000 amd
loan term up to 120 months
terms
Loan Purpose for purchase, renovation and construction of real estate
Currency AMD, USD, EUR
Loan amount AMD 5,000,000-50,000,000
Loan Term from 12 to 120 months
Annual Interest Rate AMD – starting from 18%
Loan-Collateral ratio on the market value of the property up to 80% in Yerevan
Loan Disbursement Method Cash and Non-Cash
Annual Percentage Rate 13,07%-23,90%
Advance payment starting from 20%
Monthly service charge 0.1% from Loan Amount, at least AMD 5,000
Withdrawal charge 0.3% for loans in AMD
Payment method Annuity
Frequency of repayment of principal and interest On monthly basis
Fines Overdue amount fine - 0.13% daily, overdue interest fine - 0.13% daily
State duties and other expenses Unified certificate - starting from AMD 10,000
Property insurance fee 0,15%-0,2% from the evaluated market value
Loan Security Acquired, renovated, under construction or other real estate
Surety If necessary, sureties of individuals and / or legal entities may also be required.
Insurance The real estate is insured every year at the estimated market value of the real estate (see the list of insurers)
Requirements for the borrower Residents of Armenia who are 21 years old or over and will not be 70 years old during the term of the loan
Loan refusal reasons
Maximum period of making a decision 1-3 business days after presentation of required documents
Loan Disbursement period 1 business day after the registration of appropriate state registrations
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.
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.
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.https://www.fininfo.am/finhelper/index.php?type=consumer&credtype=car
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:https://smartcredit.am/en/annual-effective-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
CERTIFICATE OF OWNERSHIP
GROUNDS FOR THE ORIGIN OF OWNERSHIP OF PROPERTY
OTHER DOCUMENTS (IF NEEDED)
REFERENCE FROM THE WORKPLACE OR OTHER DOCUMENTS CONFIRMING YOUR INCOME
PRELIMINARY APPRAISAL REPORT OF THE PROPERTY (see the list of appraisers)
Էջը թարմացվել է՝ 05.06.2020 15:37
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