 For Individual Clients
Consumer finance
Consumer finance: get your finance and purchase your goods without leaving the counter!
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Now you can buy your goods on installment plan directly at the store just in a few minutes.
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Your consumer finance decision will be made in 5 minutes.
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The bank may increase your credit limit and enable you to buy other necessary goods.
Terms of financing (purchase of goods)
|
Client's personal details
|
Eligible age
|
21 - 65
|
|
Residency
|
Citizens of Armenia
|
|
Terms of finance
|
Currency
|
AMD
|
|
Financing limit
|
Minimum AMD 50,000
Maximum AMD 3,000,000
|
|
Term (months)
|
6 - 60
|
|
Annual percentage rate
|
0 % - 24 %
|
|
Monthly account service fee
|
0.99 % -1.4 %
|
|
Disbursement fee (lump-sum)/down payment
|
0 % - 20%
|
|
Repayment methods
|
Repayments
|
1. Annuity (equal monthly installments consisting of a portion of debt and a portion of interest) where interest rate is applied
2. Equal monthly installments schedule (equal monthly installments consisting of a portion of debt and a portion of fee) where a fee is applied
|
|
Security
|
Eligible security
|
The purchased item is considered the security
|
|
Max debt-to-value ratio
|
100%
|
|
Required documents
|
Documents
|
• Personal identification document
|
|
• PPSN/social card
|
|
Fines and penalties
|
Late payment fines and penalties (principal and interest)
|
In case of breach of the repayment term under the agreement the Client shall pay to the Bank a fine in the amount of 0.13% of overdue amount and interest for each day of delay.
. No fines and penalties are applied for the repayment before the due date.
|
|
Coverage
|
Communities
|
Republic of Armenia and Republic of Artsakh
|
Terms of financing (delivery of services)
|
Client's personal details
|
Eligible age
|
21 - 65
|
|
Residency
|
Citizens of Armenia
|
|
Terms of finance
|
Currency
|
AMD
|
|
Financing limit
|
Minimum AMD 100,000
Maximum AMD 1,500,000
|
|
Term (months)
|
6 - 24
|
|
Annual percentage rate
|
0 % - 24 %
|
|
Monthly account service fee
|
0.99 %
|
|
Disbursement fee (lump-sum)/down payment
|
N/a
|
|
Repayment methods
|
Repayments
|
1. Annuity (equal monthly installments consisting of a portion of debt and a portion of interest) where interest rate is applied
2. Equal monthly installments schedule (equal monthly installments consisting of a portion of debt and a portion of fee) where a fee is applied
|
|
Required documents
|
Documents
|
• Personal identification document
|
|
• PPSN/social card
|
|
Fines and penalties
|
Late payment fines and penalties (principal and interest)
|
In case of breach of the repayment term under the agreement the Client shall pay to the Bank a fine in the amount of 0.13% of overdue amount and interest for each day of delay.
. No fines and penalties are applied for the repayment before the due date.
|
|
Coverage
|
Communities
|
Republic of Armenia and Republic of Artsakh
|
Terms of financing (purchase of solar system)
|
Client's personal details
|
Eligible age
|
21 - 65
|
|
Residency
|
Citizens of Armenia
|
|
Terms of finance
|
Currency
|
AMD
|
|
Financing limit
|
Minimum AMD 200,000
Maximum AMD 5,000,000
|
|
Term (months)
|
6 - 108
|
|
Annual percentage rate
|
0 % - 15.1 %
|
|
Monthly account service fee
|
0.45 % -0.7 %
|
|
Disbursement fee (lump-sum)/down payment
|
0 % - 10%
|
|
Repayment methods
|
Repayments
|
1. Annuity (equal monthly installments consisting of a portion of debt and a portion of interest) where interest rate is applied
2. Equal monthly installments schedule (equal monthly installments consisting of a portion of debt and a portion of fee) where a fee is applied
|
|
Security
|
Eligible security
|
The purchased item is considered the security
|
|
Max debt-to-value ratio
|
100%
|
|
Required documents
|
Documents
|
• Personal identification document
|
|
• PPSN/social card
|
|
Fines and penalties
|
Late payment fines and penalties (principal and interest)
|
In case of breach of the repayment term under the agreement the Client shall pay to the Bank a fine in the amount of 0.13% of overdue amount and interest for each day of delay.
. No fines and penalties are applied for the repayment before the due date.
|
|
Coverage
|
Communities
|
Republic of Armenia and Republic of Artsakh
|
Repayment Channel
|
Wire transfer and Ameriabank’s payment terminals
|
0
|
|
Payment terminals of Easy Pay, Telcell, MobiDram, idram, UPay
|
Easy Pay, idram, Mobidram - 200 AMD
Telcell - 300 AMD
UPay - up to 35,000 AMD - 200 AMD, starting from 35,001 AMD - 0.6%
|
|
Repayment of loan and interest at the bank’s premises
|
AMD 500 (for each cash operation)
|
|
Online: on the Bank's website
|
0
|
|
|
Company
|
Store
|
|
1
|
VEGA WORLD LLC
|
VEGA
|
|
2
|
ZIGZAG LLC
|
ZIGZAG MEGASTOR
|
|
ZIGZAG ANTENA
|
|
3
|
VLV CENTRE LLC
|
VLV
|
|
4
|
UCOM CJSC
|
UCOM
|
|
5
|
ED-SPO LLC
|
BEKO
|
|
6
|
PC ELECTRONICS LLC
|
PC ELECTRONICS
|
|
7
|
BARSIS LLC
|
NOR TUN
|
|
8
|
UNIVERSAL PROJECT LLC
|
EUROBAZA
|
|
SMILE PRICE
|
|
9
|
VOSKE AREV LLC
|
220 VOLT
|
|
10
|
MEDIA EXPERT LLC
|
|
11
|
DARF LLC
|
METS ANIV
|
|
12
|
VENUS EL LLC
|
VENUS
|
|
13
|
ASTGHIK ARZUMANYAN PE
|
ASKAT MOBILE
|
|
14
|
MASTERPHONE LLC
|
3D PLANET
|
|
15
|
DECORA GROUP LLC
|
DOMUS, DUSON
|
|
16
|
PRETTY WAY LLC
|
VESTA
|
|
17
|
IMEX GROUP LLC
|
IDEAL
|
|
18
|
MIRU LLC
|
MY NOTEBOOK
|
|
19
|
MOBILIFE LLC
|
MOBILIFE
|
|
20
|
PIXELS LLC
|
PIXEL
|
|
21
|
NEW LEVEL LLC
|
BL
|
|
22
|
BL LLC
|
|
23
|
GBU LLC
|
BEKO(VANADZOR)
|
|
24
|
GSA LLC
|
GSA ELECTRONICS
|
|
25
|
MOBLIOS LLC
|
HUAWEI
|
|
26
|
RINO LLC
|
METS ANIV (GHARABAGH)
|
|
27
|
SHAH LLC
|
REZON
|
|
28
|
SBS LLC
|
SBS
|
|
29
|
TEGHNIKAT LLC
|
Z-MIX
|
|
30
|
X-MOBILE LLC
|
XTECHNX
|
|
31
|
OSCAR ELECTROINCS LLC
|
ELDORADO, BEKO (GYUMRI)
|
|
32
|
SIGMA-ELECTRONICS LLC
|
SIGMA ELECTRONICS
|
|
33
|
NAREK HOVSEPYAN PE
|
TSIATSAN
|
|
34
|
HAIK GRIGORYAN G. PE
|
PC ELECTRONICS (ETCHMIATSIN)
|
|
35
|
ELEN GHUSHCHYAN L. PE
|
PC ELECTRONICS (ASHTARAK)
|
|
36
|
ARTUR KHACHATRYAN PE
|
DECOR
|
|
37
|
KONSTANTIN GAVALJYANPE
|
DAV KAHUYQ
|
|
38
|
VERTICAL LUXE SISTEM LLC
|
SHEN SHEM
|
|
39
|
ANI MARKOSYAN M. PE
|
ANI KAHUYQ
|
|
40
|
INTERFUR LLC
|
ASHLEY HOMESTORE
|
|
41
|
HRASHK GROUP LLC
|
SHKAFF
|
|
42
|
HAKOB SARGSYAN GH. PE
|
|
43
|
KA AND KA LLC
|
KIT KAHUYQ
|
|
44
|
ARPANIV LLC
|
AUTOMAX
|
|
45
|
MK GROUP LLC
|
KAHUYQ
|
|
46
|
MAXIM GIKINYAN PE
|
DUBAY
|
|
47
|
NOTEBOOK STORE LLC
|
RED STOR
|
|
48
|
ELSA LLC
|
ELSA
|
|
49
|
SVETA SEROBYAN LLC
|
ALL CELL
|
|
50
|
HAYR EV VORDI BEKNAZARYANNER LLC
|
VESTA PLUS
|
|
51
|
SMART ORANGE AM LLC
|
XIAOMI
|
|
52
|
SHTIGEN LLC
|
SHTIGEN
|
|
53
|
ANAHIT GEVORGYAN N. PE
|
SMART ELECTRONICS
|
|
54
|
PROFPANEL LLC
|
SOLARON
|
|
55
|
DAVID MKRTCHYAN J. PE
|
VEGAS
|
|
56
|
VERSAL GROUP LLC
|
VERSAL
|
|
57
|
ALDIS LLC
|
ELEKTRON PLAZA
|
|
58
|
NORAYR SARGSYAN T. PE
|
LOUVRE
|
|
59
|
FREENERGY LLC
|
FREENERGY
|
|
60
|
NORAYR EV HRAYR BROTHERS PE
|
NORAYR AND HRAYR BROTHERS
|
|
61
|
ANAHIT EVOYAN L. PE
|
VAHE ELEKTRONICS
|
|
62
|
FORTUNA TRAIDE LLC
|
FORTUNA TRADE
|
|
63
|
ROBEN LLC
|
BEKO (ABOVYAN, TALIN)
|
|
64
|
ELMARKET LLC
|
ELDORADO
|
|
65
|
INTERSERVICE MEK LLC
|
MEK
|
|
66
|
PLATFORM LLC
|
SMART ENERGY
|
|
67
|
NOTESTORE LLC
|
NOTEBOOKCENTRE
|
|
68
|
NUGA HOUSE LLC
|
NUGA HOUSE
|
|
69
|
COMFORT R & V LLC
|
R AND V COMFORT
|
|
70
|
MYDAV LLC
|
VLV (KAPAN)
|
|
71
|
AGEVART LLC
|
VLV (ARMAVIR)
|
|
72
|
ASKHEN SARDARYAN PE
|
ARGAVAND KAHUYQ
|
|
73
|
SAIAT SARDARYAN PE
|
ARMALIS
|
|
74
|
ARAQSYA SIMONYAN G. PE
|
|
75
|
VAHAN MARGARYAN H. PE
|
|
76
|
ARSEN GASPARYAN H. PE
|
GYUGHTEKHNIKA
|
|
77
|
SHANT AKULYAN KH. PE
|
BEKO (ARTIK)
|
|
78
|
SHINCAPITAL HOME LLC
|
BRIGHT HOUSE
|
|
79
|
ANI DENT LLC
|
ANI DENT DENTAL CLINIC
|
|
80
|
BORIS BAGHDASARYAN A. LLC
|
DESIGNO
|
|
81
|
MARIAM BAGHDASARYAN A. LLC
|
|
82
|
SARGSYAN LEVON G. LLC
|
|
83
|
ARMAN HOVHANNISYAN M. LLC
|
GARANT
|
|
84
|
DSA LLC
|
BEKO (APARAN)
|
|
85
|
SONET LLC
|
SONET
|
|
86
|
GAPX LLC
|
GAPEX
|
|
87
|
HMAYAK STEPANYAN O. PE
|
LEADER
|
|
88
|
TIGRAN GEVORGYAN A. PE
|
ALEX DECOR
|
|
89
|
GAR GRIG LLC
|
TSIATSAN
|
|
90
|
Z S TOP LLC
|
SKILL AM
|
|
91
|
PLAMA VAN LLC
|
PLASMA ELECTRONICS
|
|
92
|
ELZONE LLC
|
ELZONE
|
|
93
|
ARAYIK MARTIROSYAN K. PE
|
BEKO (KAPAN)
|
|
94
|
FULL HOUSE MARKET LLC
|
FULL HOUSE MARKET
|
|
95
|
DV INVEST LLC
|
ECO STEP
|
|
96
|
HAYK HASRTYAN P. PE
|
MONIKA KAHUYQI SRAH
|
|
97
|
NAIRI PARSYAN M. PE
|
KAHUYQ
|
|
98
|
HUSIK HOVHANNISYAN T. PE
|
ARMADA MALL
|
|
99
|
NIKKAR LLC
|
VESTA (MARTUNI)
|
|
100
|
LIA-K-GROUP LLC
|
LIA CERAMICS
|
|
101
|
ARMEN & ANUSHIK LLC
|
VESTA (EGHEGNADZOR)
|
|
102
|
ARSHAK HOVHANNISYAN V. PE
|
RESULT
|
|
103
|
ARA BARSEGHYAN S. PE
|
NATURALGAS
|
|
104
|
RENEWABLE CAUCASUS CORPORATION LLC
|
SUNNY CITY
|
|
105
|
ISLUS LLC
|
ISLUS
|
|
106
|
AR. LEO LLC
|
AR LEO
|
|
107
|
JULIAR LLC
|
VLV (SEVAN)
|
|
108
|
IM DAVO LLC
|
BEKO (SEVAN)
|
|
109
|
VANMETAGHAR LLC
|
KAHUYQ
|
|
110
|
HOVAKIMYAN ARAYIK N. PE
|
BEST ELECTRONICS
|
|
111
|
MARIAM GHARIBYAN A. PE
|
SHADE
|
|
112
|
SERYOZHA HARUTYUNYAN N. PE
|
KAHUYQ
|
|
113
|
ANZHELA GHARIBYAN S. PE
|
PC MOBILE
|
|
114
|
LUXURY GARDEN LLC
|
LUXURY GARDEN
|
|
115
|
OTRE LLC
|
AUTRE
|
|
116
|
TOP-TECH LLC
|
TOP FLOOR
|
|
117
|
MELISA LLC
|
MELISA
|
|
118
|
ZOHRAB KIRAKOSYAN R. PE
|
BEKO (IJEVAN)
|
|
119
|
HRACHYA BABAYAN V. PE
|
BEKO (ETCHMIATSIN)
|
|
120
|
ARAM AGHEKYAN B. PE
|
YAFERRARI
|
|
121
|
M-ELECTRONICS LLC
|
ELHOUSE
|
|
122
|
SOLAR GROUP LLC
|
SOLAR GROUP
|
|
123
|
EDGAR & NAZELI LLC
|
OJAKH
|
|
124
|
OPTIMUM ENERGY LLC
|
OPTIMUM ENERGY
|
|
125
|
SARIBEK GHAZARYAN A. PE
|
MS KAHUYQ
|
|
126
|
BMS LLC
|
BMS
|
|
127
|
VELHOFF LLC
|
VELHOFF
|
|
128
|
SOLAR ENERGY SISTEM SOLUTIONS LLC
|
SOLARESS
|
|
129
|
SHINMOL LLC
|
SHINMOL
|
|
130
|
MANUK GHAZARYAN A. PE
|
MK KAHUYQ
|
|
131
|
ARAQELYAN ELEN A. PE
|
I PLUS
|
|
132
|
NORIK HAKOBYAN H. PE
|
KAHUYQ
|
|
133
|
BEST GROUP LLC
|
LIDERIA, CERAMIC CITY
|
|
134
|
VAHAGN EVINYAN A. PE
|
HI FI
|
|
135
|
NEZHDIK TER-ABRAHAMYAN A. PE
|
WEST ABOVYAN
|
|
136
|
SUSANNA GHAZANCHYAN Y. PE
|
|
137
|
HAYR & VORDI ASATRAYNNER LLC
|
AG MOBILE
|
|
138
|
REZON LLC
|
REZON
|
|
139
|
OTARYAN GARIK I. PE
|
BABY TOYS
|
|
140
|
VLV LLC
|
VLV STEPANAKERT
|
|
141
|
EGHIAZARYAN HAYK T. PE
|
L AND R
|
|
142
|
GHAZARYAN VAN Y. PE
|
VAN AND ARMAN
|
|
143
|
ARMAN MURADYAN A. PE
|
BAROCCO
|
|
144
|
GLOBAL BEAUTY LLC
|
GLOBAL BEAUTY
|
|
145
|
ELOYAN RUBEN PE
|
DIMOND
|
|
146
|
"GRIMAR GROUP" LLC
|
BEST ELECTRONICS
|
|
147
|
HAKSIL LLC
|
HAKSIL
|
|
148
|
LIGHTNG LLC
|
LUYS
|
|
149
|
HRANT GRIGORYAN LLC
|
TEKHNO STOR
|
|
150
|
LIVINGS LLC
|
LIVINGS
|
|
151
|
ECOVILL LLC
|
ECOVILL
|
|
152
|
HEGHINE EGHIAZARYAN H. PE
|
TEKHNIKA
|
|
153
|
NELLI VOSKANYAN A. PE
|
TH MOBILE
|
|
154
|
ARAYIK HOVSEPYAN E. PE
|
TEKHNO HOUSE
|
|
155
|
ARSEN GRIGORYAN B. PE
|
|
156
|
GOR KARAMYAN S. PE
|
MIX ELECTRONICS
|
|
157
|
GAYELLAS LLC
|
ELLA KAHUYQ
|
|
158
|
VMH LLC
|
SALMAST
|
|
159
|
EUROSTAN-UYUT LLC
|
EVROSTAN UYUT
|
|
160
|
WATCH WORLD LLC
|
CHRONOGRAPH
|
|
161
|
HRASHQ AYGI LLC
|
HRASHQ AYGI
|
|
162
|
MULTI SOLAR LLC
|
MULTI SOLAR
|
|
163
|
PLAZMA 99 LLC
|
PLAZMA 99
|
|
164
|
VARDAZAR MKRTCHYAN PE
|
BEKO (MARTUNI)
|
|
165
|
AVETYAN KNKUSH A. PE
|
ARBAT
|
|
166
|
ARSIEL LLC
|
ARSIEL
|
|
167
|
MAMIKON MARGARYAN H. PE
|
VM ELECTRONICS
|
|
168
|
ARTUR MARTIROSYAN Y. PE
|
SHINANYUT
|
|
169
|
PARVAN HOVHANNISYAN PE
|
LYLY
|
|
170
|
THE OHM ENERGY LLC
|
THE OHM ENERGY
|
|
171
|
ARTASHES MKRTCHYAN PE
|
LABELLE
|
|
172
|
KALASHYAN VOLODYA A. PE
|
KAHUYQ
|
|
173
|
RID GROUP LLC
|
BEKO (CHARENCAVAN)
|
|
174
|
ARMEN KARAPETYAN R. PE
|
BEST ALAVERDI
|
|
175
|
PROFIS GROUP LLC
|
PROFIS ENERGY
|
|
176
|
MOVSISYAN AVETIK M. PE
|
KARIN BEAUTY
|
|
177
|
ALEX KAHUYK LLC
|
ALEX FURNITURE
|
|
178
|
VASARDYAN TAMARV. PE
|
TAMARA FURNITURE
|
|
179
|
ALEKSANYAN GARNIK PE
|
KAKADOO
|
|
180
|
GHARIBYAN FELIX E. PE
|
PLAZA PLUS
|
|
181
|
GSS LLC
|
GLOBAL SAVING SYSTEMS
|
|
182
|
ROYAL STAR LLC
|
ROYAL STAR
|
|
183
|
KHACHATRYAN MERI A. PE
|
SEVAN KAHUYQ
|
|
184
|
MURADYAN ARMEN V. PE
|
BEKO (ARMAVIR)
|
|
185
|
BADALYAN LUSINEH. PE
|
LV
|
|
186
|
KINETIC CJSC
|
ORANGE FITNESS
|
|
187
|
SV LLC
|
BEKO (ABOVYAN)
|
|
188
|
JASMIN GROUP LLC
|
JASMINE GROUP
|
|
189
|
AGHABEKYAN SEYRAN V. PE
|
ABOVYAN SHINANYUT
|
|
190
|
ECOENERGY LLC
|
ECO ENERGY
|
|
191
|
KAERKHER LLC
|
KAERCHER
|
|
192
|
KALASHYAN ROBERT ՀH. PE
|
SADSHIN
|
|
193
|
VOSKANYAN AIDA PE
|
VOSKANYAN AIDA
|
|
194
|
SUKIASAN SAGHATEL H. PE
|
ALIN ELECTRONICS
|
|
195
|
VLA IMPORTS LLC
|
ICE WATCH
|
|
196
|
SMART LIVING LLC
|
DANUBE HOME
|
|
197
|
VOSKANYAN ARMAN D. PE
|
TELEFON - MELEFON
|
|
198
|
SOLAR SYSTEM LLC
|
SOLAR SYSTEM
|
|
199
|
AVETISYAN GEVORG S. PE
|
ANI VARAGUYR
|
|
200
|
EMGE LLC
|
BEKO ARTASHAT-GSA ELECTRONICS
|
|
201
|
ANI ADAMYAN P. PE
|
BEKO (CHARENCAVAN)
|
|
202
|
STALKER LLC
|
EIFFEL
|
|
203
|
HOMEBASE LLC
|
JYSK
|
|
204
|
EDGAR MEDOYAN S. PE
|
VS GAS
|
|
205
|
VARDANYAN NELI R. PE
|
LIMA ELECTRONICS
|
|
206
|
WOOD TOWN-G LLC
|
WOOD TOWN G
|
|
207
|
KAREN AYVAZYYAN A. PE
|
WOOD TOWN EA
|
|
208
|
KAHUYQI ASHKHARH LLC
|
KAHUYQI ASHKHARH
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209
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MEGALUXE LLC
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MEGALUXE
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210
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MOVSISYAN AMALYA Y. PE
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KARIN BEAUTY (GYUMRI)
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211
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BADALYAN DZAVAHIL KH. PE
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BOOM HOUSE SEVAN
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212
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GEVORGYAN KAREN H. PE
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ARA
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213
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LILIT HOVHANNISYAN PE
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BEKO (ARMAVIR)
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Other Terms of Lending
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Consumer finance is available at those stores with which the bank has executed a Cooperation Agreement.
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Consumer finance is provided just at the premises of Merchants.
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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.).
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Amount of finance is transferred to the Merchant’s account based on the Customer’s instruction issued under consumer finance agreement.
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Approval/rejection and maximum amount of finance are subject to the Customer’s creditworthiness assessment.
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The credit may be rejected, if;
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The Customer has a bad credit history
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The presented data are not trustworthy
Interest Calculation
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Interest is calculated based on nominal interest rate and accrued to outstanding loan.
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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.
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No change of nominal interest rate by the bank is envisaged during the validity period of the agreement.
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Loan interest calculation example:
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Principal: AMD 200,000
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Interest rate: 24%
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Term: 12 months
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Credit account opening, management and servicing fee: 0%
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Monthly installment for this loan will be AMD 18,920.
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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
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If the Borrower fails to pay the loan when due, the following fines and penalties will be applied (for each day of delay):
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0.13% of Principal
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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 08.05.2020, 17:27
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