Loan with pledge of gold "Three 9"
The loan is provided to RA citizens and/or residents for consumer purposes.
Terms and conditions of lending:
| Loan currency | AMD | |||
| Minimum amount | starting from AMD 50,000 | |||
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Procedure of repayment of the loan and interest amount, maturity, loan/collateral ratio, and interest rate |
Procedure of repayment | Maturity | Loan/collateral | Interest rate |
| Annuity repayment | 6-36 months, inclusive | 100% | 15% | |
| Monthly payment of accrued interest and repayment of the principal amount at the end of the maturity term |
3-36 months, inclusive |
95% |
14% |
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Preliminarily payment of the total interest amount and repayment of the principal amount at the end of the maturity term |
3-6 months, inclusive | 100% | 13.5% | |
| 6-8 months, inclusive | 98% | 16.5% | ||
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Credit account service fee |
Is charged from the Customer once, at the time of disbursement of the loan, according to the scale below:
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Current prices of appraisal of one gram of pledged gold items according to carats (as scrap) in case of AMD and foreign currency credit cards secured with pledge of gold and loans secured with pledge of gold
General provisions and conditions
Penalty
Upon default of payment of principal and/or interests, the Borrower pays the Bank a penalty at 0.13% of the overdue principal and interest for each day of delay.
Security
Pledged gold items
List of required documents to be submitted to the Bank
- Loan application in the form applied at the Bank;
- Originals of the personal identification document, public services number /a reference on absence of a PSN/, or identification card
Attention
Loan interest amount is calculated on the basis of the nominal interest rate. The annual effective interest rate shows the cost of the loan for you, in case of timely payment of the required size of interest amount and other payments. The manner of calculation of the annual effective interest rate can be seen at the following link:
The loan is disbursed at the head office and the branches.