For Individual Clients

Consumer finance

Consumer finance: get your finance and purchase your goods without leaving the counter!

ապառիկ 

 

  • Now you can buy your goods on installment plan directly at the store just in a few minutes.
  • Your consumer finance decision will be made in 5 minutes.
  • The bank may increase your credit limit and enable you to buy other necessary goods. 

 

Currency

AMD

Credit limit

50,000-1,500,000

Deposit

From 0%

Term (months)

6-60 months, except of computer equipment and telephones, for which the maximum term is set at 36 months.

Annual nominal interest rate

0-24%

Monthly credit account service fee

0-1.2% of provided loan

Loan disbursement fee (lump sum)

0%

Repayment method

Annuity (equal monthly installments consisting of a portion of loan and a portion of interest)

Security

Purchased goods

LTV (“loan to value of security”) ratio

Maximum 100%


Required documents

Personal ID

PPSN (Social card) 

Repayment Channel

 


Wire transfer and Ameriabank’s payment terminals 

0


Payment terminals of Easy Pay, Telcell, MobiDram, idram

Easy Pay, idram, Mobidram  - 200 AMD

Telcell - 300 AMD 

 

Repayment of loan and interest at the bank’s premises

AMD 500 (for each cash operation)

Online: on the Bank's website

0


Leaflet on essential terms of consumer loan (for purchase of mobile phones and computer facilities)
Leaflet on essential terms of consumer loan (for purchase of domestic appliances, furniture, home décor, etc., heating systems)

 

 

Company

Store

1

VEGA WORLD LLC

 VEGA

2

ZIGZAG LLC

 ZIGZAG MEGASTOR

ZIGZAG ANTENA

3

MOBILE CENTER ART LLC

MOBILE CENTRE

4

MTS-ARMENIA CJSC

 VIVACELL MTS

5

VLV CENTER Co.Ltd

VLV

6

UCOM LLC

 UCOM

7

ARAY LLC

 ARAY

8

ED-SPO LLC

 BEKO

9

PC ELECTRONICS LLC

PC ELECTRONICS

10

BARSIS LLC

 NOR TUN

11

UNIVERSAL PROJECT Co.Ltd

 EUROBAZA

SMILE PRICE

12

VOSKE AREV LLC

220 VOLT

13

MEDIA EXPERT LLC

14

DARF LLC

METS ANIV

15

VENUS EL LLC

 VENUS

16

ASTGHIK ARZUMANYAN PE

 ASKAT MOBILE

17

VEON ARMENIA CJSC

 BEELINE

18

MASTERPHONE LLC

3D PLANET

19

DECORA-GROUP LLC

DOMUS, DUSON

20

PRETTY WAY LLC

 VESTA

21

IMEX GROUP LLC

 IDEAL

22

MULTI ELECTRONICS LLC

 MY NOTEBOOK

23

MOBILIFE LLC

MOBILIFE

24

PIXELS LLC

 PIXEL

25

VALENSIA JV LLC

 KLAIK

26

BL LLC

 BL

27

GBU LLC

 BEKO(VANADZOR)

28

GSA LLC

 GSA ELECTRONICS

29

MOBLIOS LLC

HUAWEI

30

NEW FLY LLC

PLASMA ELECTRONICS

31

RINO LLC

METS ANIV (GHARABAGH)

32

SHAH LLC

 REZON

33

SBS LLC

SBS

34

TECHNICAT LTD

 Z-MIX

35

MOBILE-IQS LLC

XTECHNX

36

OSCAR ELECTRONICS LLC

ELDORADO, BEKO (GYUMRI)

37

SIGMA ELECTRONICS LLC

 SIGMA ELECTRONICS

38

NAREK HOVSEPYAN PE

 TSIATSAN

39

HAYK GRIGORYAN G. PE

 PC ELECTRONICS (ETCHMIATSIN)

40

ARTUR KHACHATRYAN PE

DECOR

41

ARTASHES KHACHATRYAN S. PE

 AUTOHOUSE

42

KONSTANTIN GAVALAJYAN PE

DAV KAHUYQ

43

VERTICAL LUXE SYSTEM LLC

SHEN SHEM

44

ANI MARKOSYAN M. PE

ANI KAHUYQ

45

INTERFUR LLC

 ASHLEY HOMESTORE

46

HRASHQ LLC

 SHKAFF

47

HAKOB SARGSYAN GH. PE

48

KA AND KA Co.Ltd

 KIT KAHUYQ

49

ARPANIV LLC

 AUTOMAX

50

MK GROUP LLC

KAHUYQ

51

MAKSIM GIKINYAN PE

 DUBAY

52

RED STORE LLC

RED STOR

53

ELSA LLC

ELSA

54

SVETA SEROBYAN PE

 ALL CELL

55

SPORT CITY LLC

SPORT CITY

56

HAYR EV VORDI BEKNAZARYANNER LLC

 VESTA PLUS

57

HANMAR LLC

FEDERAL

58

SMART ORANGE AM LLC

XIAOMI

59

SPORT LIFE LLC

SPORTLANDIA

60

SHTIGEN  LLC

SHTIGEN

61

MEGATOY LLC

 MEGATOYS

62

MEGASPORT LLC

 MEGASPORT

63

ANAHIT GEVORGYAN N. PE

 SMART ELECTRONICS

64

PROFPANEL LLC

 SOLARON

65

DAVIT MKRTCHYAN J. PE

 VEGAS

66

VERSAL GROUP LLC

 VERSAL

67

ALDIS LLC

ELEKTRON PLAZA

68

NORAYR SARGSYAN T. PE

 LOUVRE

69

FREENERGY Co.Ltd

 FREENERGY

70

NORAYR AND HRAYR BROTHERS PE

 NORAYR AND HRAYR BROTHERS

71

AVETISYAN ARTUR ZH. PE

TAQ TUN

72

ANAHIT EVOYAN L. PE

 VAHE ELEKTRONICS

73

TIGER GROUP LLC

 REEBOK

74

DAVIT HOVHANNISYAN A. PE

SPITAK AMROC

75

FORTUNA TRADE Co.Ltd

 FORTUNA TRADE

76

ROBEN LLC

BEKO (ABOVYAN, TALIN)

77

ELMARKET Co.Ltd

ELDORADO

78

INTERSERVICE MEK LLC

 MEK

79

PLATFORM LLC

SMART ENERGY

80

NOTESTORE LLC

NOTEBOOKCENTRE

81

ARTUR YAYLOYAN PE

SALIKNERI ASHKHARH

82

DPH-DENTAL LLC

DPH DENTAL

83

NUGA HOUSE LLC

 NUGA HOUSE

84

ALIK GRIGORYAN H. PE

IMAGE CODE

85

AGA-GROUP LLC

 KAHUYQI ASHKHARH

86

COMFORT R AND V LLC

R AND V COMFORT

87

MAYDAV LLC

 VLV (KAPAN)

88

AGEVART LLC

VLV (ARMAVIR)

89

MUSHEGH HOVHANNISYAN L. PE

ARGAVAND KAHUYQ

90

MGRDICH BOYADJYAN PE

BOYADJIAN DENTAL CLINIC

91

ARTASHES AVAGYAN H. PE

BASRA

92

SAHAK HOVHANNISYAN V. PE

 ARMALIS

93

ARAKSYA SIMONYAN G. PE

94

VAHAN MARGARYAN H. PE

95

ARSEN GASPARYAN H. PE

GYUGHTEKHNIKA

96

LENA GHUKASYAN A. PE

ELENA

97

BESTSHOP LLC

BEST SHOP

98

SHANT AKULYAN KH. PE

 BEKO (ARTIK)

99

SHINCAPITAL HOME LLC

 BRIGHT HOUSE

100

ANI DENT LLC

ANI DENT DENTAL CLINIC

101

BORIS BAGHDASARYAN A. PE

 DESIGNO

102

MARIAM BAGHDASARYAN A. PE

103

ARMAN HOVHANNISYAN M. PE

 GARANT

104

SONET Co.Ltd

 SONET

105

GAPEX LLC

GAPEX

106

HMAYAK O. STEPANYAN PE

LEADER

107

DSA LLC

BEKO (APARAN)

Other Terms of Lending

 

օնլայն ապառիկ

Other Terms of Lending

  • Consumer finance is available at those stores with which the bank has executed a Cooperation Agreement.
  • Consumer finance is provided just at the premises of Merchants.
  • Consumer finance is available for 21-65 year-old resident individuals having Armenian citizenship for purchase of consumer goods (household appliances and computers, mobile phones, furniture, air conditioners, heating systems, etc.).
  • Amount of finance is transferred to the Merchant’s account based on the Customer’s instruction issued under consumer finance agreement.
  • Approval/rejection and maximum amount of finance are subject to the Customer’s creditworthiness assessment.
  • The credit may be rejected, if;
    • The Customer has a bad credit history
    • The presented data are not trustworthy

Interest Calculation

  • Interest is calculated based on nominal interest rate and accrued to outstanding loan.
  • Actual annual percentage rate (APR) shows the cost of the loan in case of due and timely repayments (interest and other fees) under the agreement.
  • No change of nominal interest rate by the bank is envisaged during the validity period of the agreement.
  • Loan interest calculation example:
    • Principal: AMD 200,000
    • Interest rate: 24%
    • Term: 12 months
    • Credit account opening, management and servicing fee: 0%
    • Monthly installment for this loan will be AMD 18,920.
    • Actual annual percentage rate will be 26.95%.


Other Fees and Rates 

For the fees and rates of provision of statements, references and other information please click here.

 

Fines and Penalties

  • If the Borrower fails to pay the loan when due, the following fines and penalties will be applied (for each day of delay):
    • 0.13% of Principal
    • 0.13% of Interest

No fines and penalties for repayment of the loan before the due date!

ATTENTION!

Collateral Foreclosure

If the borrower fails to repay the loan and interest when due, the collateral will be foreclosed. If the value of the collateral is not sufficient, THE bank may foreclose ON other property owned by the borrower.

 

Information Provided to Credit Register


If the borrower fails to repay the loan and interest when due, information about overdue liabilities will be recorded in credit register.

A bad credit history may negatively affect the borrower’s future CREDIT experience.

Your Consumer Finance Form   

 

Before executing the loan agreement Your Essential Terms Form will be provided to you in accordance with the Regulation 8/05 of the Central bank of Armenia “On Procedure, Terms, Forms and Minimum Requirements for Communication Between the Bank and Depositor, Creditor and Consumer”.


‘Financial Assistant’ system at abcfinance.am website offering ‘Finance for Everyone’

 


Updated 03.04.2019, 11:54

Services for Individuals

  
HEAD OFFICE

2 Vazgen Sargsyan Street, Yerevan 0010,RA

Tel.: +37410 56 11 11

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+1 888 802 5352

UK:

+448000903191

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