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. 

 

 

 

Terms of financing

 

Eligible clients

Citizens of Armenia who are resident in the Republic of Armenia

Eligible age

21-65, provided that the age of the borrower by the time of expiry of loan agreement will not have exceeded 65

Currency

AMD

Consumer finance limit

50,000-5,000,000

Advance payment

0-20%

Term

6-60 months, max 36 months for computer equipment and phones

Nominal annual interest rate

0%

Annual percentage rate

0-24%

Monthly credit account service fee (percentage of provided finance amount)

0-1.5%

Lump-sum disbursement fee

N/A

Repayment

Equal monthly installments consisting of a portion of finance and a portion of interest

Pledge

Property to be purchased

Max loan-to-value ratio

Up to 100%


Required documents

  • Personal identification document
  • PPSN/social card

 

Terms of financing for purchase and installation of solar batteries

 

Eligible clients

Citizens of Armenia who are resident in the Republic of Armenia

Eligible age

21-65, provided that the age of the borrower by the time of expiry of loan agreement will not have exceeded 65

Currency

AMD

Financed products and financing limit

Purchase and installation of solar batteries

200,000-5,000,000

Advance payment

0-10%

 

Term (months)

6-108

Nominal annual interest rate

0%

Annual percentage rate

0-14%

Monthly credit account service fee (percentage of provided finance amount)

0.45-0.7%

Lump-sum disbursement fee

N/A

 

Repayment

Equal monthly installments consisting of a portion of finance and a portion of interest

Pledge

Property to be purchased

Max loan-to-value ratio

Up to 100%

Required documents

Personal identification document

PPSN/social card

The bank can request an ownership certificate of the property and electricity and gas bills for the most recent 6 months.

 

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

VLV CENTER Co.Ltd

VLV

4

UCOM LLC

UCOM

5

ARAY LLC

ARAY

6

ED-SPO LLC

BEKO

7

PC ELECTRONICS LLC

PC ELECTRONICS

8

BARSIS LLC

NOR TUN

9

UNIVERSAL PROJECT Co.Ltd

EUROBAZA

SMILE PRICE

10

VOSKE AREV LLC

220 VOLT

11

MEDIA EXPERT LLC

12

DARF LLC

METS ANIV

13

VENUS EL LLC

VENUS

14

ASTGHIK ARZUMANYAN PE

ASKAT MOBILE

15

MASTERPHONE LLC

3D PLANET

16

DECORA-GROUP LLC

DOMUS, DUSON

17

PRETTY WAY LLC

VESTA

18

IMEX GROUP LLC

IDEAL

19

MULTI ELECTRONICS LLC

MY NOTEBOOK

20

MOBILIFE LLC

MOBILIFE

21

PIXELS LLC

PIXEL

22

BL LLC

BL

23

GBU LLC

BEKO(VANADZOR)

24

GSA LLC

GSA ELECTRONICS

25

MOBLIOS LLC

HUAWEI

26

NEW FLY LLC

PLASMA ELECTRONICS

27

RINO LLC

METS ANIV (GHARABAGH)

28

SHAH LLC

REZON

29

SBS LLC

SBS

30

TECHNICAT LTD

Z-MIX

31

X-MOBILE LLC

XTECHNX

32

OSCAR ELECTRONICS LLC

ELDORADO, BEKO (GYUMRI)

33

SIGMA ELECTRONICS LLC

SIGMA ELECTRONICS

34

NAREK HOVSEPYAN PE

TSIATSAN

35

HAYK GRIGORYAN G. PE

PC ELECTRONICS (ETCHMIATSIN)

36

ELEN GHUSHCHYAN L. PE

PC ELECTRONICS (ASHTARAK)

37

ARTUR KHACHATRYAN PE

DECOR

38

KONSTANTIN GAVALAJYAN PE

DAV KAHUYQ

39

VERTICAL LUXE SYSTEM LLC

SHEN SHEM

40

ANI MARKOSYAN M. PE

ANI KAHUYQ

41

INTERFUR LLC

ASHLEY HOMESTORE

42

HRASHQ LLC

SHKAFF

43

HAKOB SARGSYAN GH. PE

44

KA AND KA Co.Ltd

KIT KAHUYQ

45

ARPANIV LLC

AUTOMAX

46

MK GROUP LLC

KAHUYQ

47

MAKSIM GIKINYAN PE

DUBAY

48

NOTEBOOK STORE LLC

RED STOR

49

ELSA LLC

ELSA

50

SVETA SEROBYAN PE

ALL CELL

51

HAYR EV VORDI BEKNAZARYANNER LLC

VESTA PLUS

52

SMART ORANGE AM LLC

XIAOMI

53

SPORT LIFE LLC

SPORTLANDIA

54

SHTIGEN  LLC

SHTIGEN

55

ANAHIT GEVORGYAN N. PE

SMART ELECTRONICS

56

PROFPANEL LLC

SOLARON

57

DAVIT MKRTCHYAN J. PE

VEGAS

58

VERSAL GROUP LLC

VERSAL

59

ALDIS LLC

ELEKTRON PLAZA

60

NORAYR SARGSYAN T. PE

LOUVRE

61

FREENERGY Co.Ltd

FREENERGY

62

NORAYR AND HRAYR BROTHERS PE

NORAYR AND HRAYR BROTHERS

63

AVETISYAN ARTUR ZH. PE

TAQ TUN

64

ANAHIT EVOYAN L. PE

VAHE ELEKTRONICS

65

TIGER GROUP LLC

REEBOK

66

FORTUNA TRADE Co.Ltd

FORTUNA TRADE

67

ROBEN LLC

BEKO (ABOVYAN, TALIN)

68

ELMARKET Co.Ltd

ELDORADO

69

INTERSERVICE MEK LLC

MEK

70

PLATFORM LLC

SMART ENERGY

71

NOTESTORE LLC

NOTEBOOKCENTRE

72

NUGA HOUSE LLC

NUGA HOUSE

73

AGA-GROUP LLC

KAHUYQI ASHKHARH

74

COMFORT R AND V LLC

R AND V COMFORT

75

MAYDAV LLC

VLV (KAPAN)

76

AGEVART LLC

VLV (ARMAVIR)

77

MUSHEGH HOVHANNISYAN L. PE

ARGAVAND KAHUYQ

78

SAHAK HOVHANNISYAN V. PE

ARMALIS

79

ARAKSYA SIMONYAN G. PE

80

VAHAN MARGARYAN H. PE

81

ARSEN GASPARYAN H. PE

GYUGHTEKHNIKA

82

LENA GHUKASYAN A. PE

ELENA

83

SHANT AKULYAN KH. PE

BEKO (ARTIK)

84

SHINCAPITAL HOME LLC

BRIGHT HOUSE

85

ANI DENT LLC

ANI DENT DENTAL CLINIC

86

BORIS BAGHDASARYAN A. PE

DESIGNO

87

MARIAM BAGHDASARYAN A. PE

88

SARGSYAN LEVON G. PE

89

ARMAN HOVHANNISYAN M. PE

GARANT

90

DSA LLC

BEKO (APARAN)

91

SONET Co.Ltd

SONET

92

GAPEX LLC

GAPEX

93

HMAYAK O. STEPANYAN PE

LEADER

94

TIGRAN GEVORGYAN A. PE

ALEX DECOR

95

GAR GRIG LLC

TSIATSAN

96

Z S TOP Co.Ltd

SKILL AM

97

PLAZMA VAN LLC

PLASMA ELECTRONICS

98

ELZONE LLC

ELZONE

99

ARAYIK MARTIROSYAN PE

BEKO (KAPAN)

100

FULL HOUSE MARKET LLC

FULL HOUSE MARKET

101

DV INVEST LLC

ECO STEP

102

SUSANNA TOPLAGHALTSYAN PE

ADAS

103

HAYK HASRATYAN P. PE

MONIKA KAHUYQI SRAH

104

CHO KO CRIBS LLC

WOOLIC CRIBS

105

NAIRI PARSYAN M. PE

KAHUYQ

106

AGAPI SHMAVONYAN PE

BEKO (ARMAVIR)

107

HUSIK HOVHANNISYAN T. PE

ARMADA MALL

108

NIKKAR LLC

VESTA (MARTUNI)

109

LIA-K GROUP LLC

LIA CERAMICS

110

ARMEN AND ANUSHIK LLC

VESTA (EGHEGNADZOR)

111

HOVHANNISYAN ARSHAK V. PE

RESULT

112

BARSEGHYAN ARA S. PE

NATURALGAS

113

RENEWABLE COCKASS CORPORATION LLC

SUNNY CITY

114

ISLUS LLC

ISLUS

115

AR. LEO LLC

AR LEO

116

JULIAR LLC

VLV (SEVAN)

117

MELANTES Co.Ltd

WALL DECO

118

IM DAVO LLC

BEKO (SEVAN)

119

VANMETAGHAR LLC

KAHUYQ

120

HOVAKIMYAN ARAYIK N. PE

BEST ELECTRONICS

121

MARIAM GHARIBYAN A. PE

SHADE

122

SERYOZHA HARUTYUNYAN N. PE

KAHUYQ

123

RGR LLC

BEKO (VARDENIS)

124

ANZHELA GHARIBYAN S. PE

PC MOBILE

125

LUXURY GARDEN LLC

LUXURY GARDEN

126

AUTRE LLC

AUTRE

127

TOP-TECH LLC

TOP FLOOR

128

MELISA LLC

MELISA

129

ZOHRAB KIRAKOSYAN R. PE

BEKO (IJEVAN)

130

HRACHYA BABAYAN W. PE

BEKO (ETCHMIATSIN)

131

ARAM AGHEKYAN B. PE

YAFERRARI

132

M-ELECTRONICS LLC

ELHOUSE

133

SOLAR GROUP LLC

SOLAR GROUP

134

EDGAR AND NAZELI LLC

OJAKH

135

OPTIMUM ENERGY LLC

OPTIMUM ENERGY

136

SARIBEK GHAZARYAN A. PE

MS KAHUYQ

137

BMS LLC

BMS

138

VELHOFF LLC

VELHOFF

139

SOLAR ENERGY SYSTEM SOLUTIONS LLC

SOLARESS

140

YEPREMYAN AMATUNI W. PE

ЕПРЕМЯН АМАТУНИ В. ЧП

141

SARIMAN MAMAJANYAN PE

VIYANA

142

SHINMOL LLC

SHINMOL

143

MANUK GHAZARYAN A. PE

MK KAHUYQ

144

ARAKELYAN ELEN A. PE

I PLUS

145

NORIK HAKOBYAN H. PE

KAHUYQ

146

BEST GROUP LLC

LIDERIA, CERAMIC CITY

147

VILLAMO LLC

VILLAMO

148

VAHAGN EVINYAN A. PE

HI FI

149

NEJDIK TER-ABRAHAMYAN A. PE

WEST ABOVYAN

150

SUSANNA GHAZANCHYAN Y. PE

151

HAYR EV VORDI ASATRYANNER LLC

AG MOBILE

152

REZON LLC

REZON

153

OTARYAN GARIK I. PE

BABY TOYS

154

VLV LLC

VLV STEPANAKERT

155

YEGHIAZARYAN HAYK T. PE

L AND R

156

GHAZARYAN VAN PE

VAN AND ARMAN

157

ARMAN MURADYAN A. PE

BAROCCO

158

GLOBAL BEAUTY LLC

GLOBAL BEAUTY

159

ELOYAN RUBEN PE

DIMOND

160

GRIMAR GROUP LLC

BEST ELECTRONICS

161

HAKSIL LLC

HAKSIL

162

LIGHTING LLC

LUYS

163

HRANT GRIGORYAN LLC

TEKHNO STOR

164

LIVINGS LLC

LIVINGS

165

ECOVILL LLC

ECOVILL

166

HEGHINE YEGHIAZARYAN O. PE

TEKHNIKA

167

ARMINE TSATURYAN V. PE

MANE KAHUYQ

168

NELLI VOSKANYAN A. PE

TH MOBILE

169

ARAYIK HOVSEPYAN E. PE

TEKHNO HOUSE

170

ARSEN GRIGORYAN B. PE

171

GOR KARAMYAN S. PE

MIX ELEKTRONICS

172

GAYELLAS LLC

ELLA KAHUYQ

173

VMH LLC

SALMAST

174

EVROSTAN-UYUT LLC

EVROSTAN UYUT

175

WATCH WORLD LLC

CHRONOGRAPH

176

HRASHK AYGI LLC

HRASHQ AYGI

177

MULTI SOLAR LLC

MULTI SOLAR

178

PLASMA 99 LLC

PLAZMA 99

179

VARDAZAR MKRTCHYAN PE

BEKO (MARTUNI)

180

AVETYAN KNKUSH A. PE

ARBAT

181

ARSIEL LLC

ARSIEL

182

MAMIKON MARGARYAN H. PE

VM ELECTRONICS

183

ARTUR MARTIROSYAN Y. PE

SHINANYUT

184

GAYANE KHUNOYAN B. PE

LYLY

185

THE OHM ENERGY LLC

THE OHM ENERGY

186

ARTASHES MKRTCHYAN PE

LABELLE

187

KALASHYAN VOLODYA PE

KAHUYQ

188

ILIOS LLC

ILIOS

189

RID GROUP LLC

BEKO (CHARENCAVAN)

190

ARMEN KARAPETYAN R. PE

BEST ALAVERDI

191

PROFIS GROUP LLC

PROFIS ENERGY

192

MOVSISYAN AVETIK M. PE

KARIN BEAUTY

193

ALEX FURNITURE LLC

ALEX FURNITURE

194

NAVASARDYAN TAMAR V. PE

TAMARA FURNITURE

195

SOLAR CENTRE LLC

SOLAR CENTRE

196

ALEKSANYAN GARNIK PE

KAKADOO

197

GHARIBYAN FELIKS E. PE

PLAZA PLUS

198

A&A LLC

A&A

199

GSS LLC

GLOBAL SAVING SYSTEMS

200

ROYAL STAR LLC

ROYAL STAR

201

KHACHATRYAN MERI A. PE

SEVAN KAHUYQ

202

MURADYAN ARMEN V. PE

BEKO (ARMAVIR)

203

BADALYAN LUSINE H. PE

LV

204

KINETIC CJSC

ORANGE FITNESS

205

SV LLC

BEKO (ABOVYAN)

206

JASMINE GROUP LLC

JASMINE GROUP

207

AGHABEKYAN SEYRAN V. PE

ABOVYAN SHINANYUT

208

ECO ENERGY LLC

ECO ENERGY

209

KAERCHER LLC

ԿԱՐՇԵՐ / KAERCHER

210

KALASHYAN ROBERT H. PE

SADSHIN

211

VOSKANYAN AIDA PE

VOSKANYAN AIDA

212

SUKIASYAN SAGHATEL H. PE

ALIN ELECTRONICS

213

VLA IMPORTS LLC

ICE WATCH

214

SMART LIVING LLC

DANUBE HOME

215

VOSKANYAN ARMAN D. PE

TELEFON - MELEFON

216

SOLAR SYSTEM LLC

SOLAR SYSTEM

217

AVETISYAN GEVORG S. PE

ANI VARAGUYR

Other Terms of Lending

 

օնլայն ապառիկ
  • 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 29.11.2019, 13:47

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:

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