 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
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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
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PPSN/social card
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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
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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
-
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%
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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 29.11.2019, 13:47
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