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 (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

0.65 % - 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

0.8 % - 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 % - 17 %                         

Monthly account service fee

0.43 % - 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

 

Ameriabank CJSC General Terms and Conditions of Consumer Finance Service for Individuals (PDF)

 

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

N

Company

Store

1

VOSKE AREV LLC

220 VOLT ELECTRONICS

2

MEDIA EXPERT LLC

220 VOLT MOBILE

3

MASTERPHONE LLC

3D PLANET

4

ARAQSYA SIMONYAN  G. PE

ARMALIS

5

SHANT AKULYAN KH. PE

BEKO ARTIK

6

TIGRAN GEVORGYAN  A. PE

ALEX DECOR

7

ANAHIT EVOYAN L. PE

VAHE ELECTRONICS

8

HAYR & VORDI ASATRAYNNER LLC

AG MOBILE

9

INTERFUR LLC

ASHLEY HOMESTORE

10

ART KAHUYK LLC

ART FURNITURE

11

ANI MARKOSYAN M. PE

ANI KAHUYQ

12

ARPANIV LLC

AUTO MAX

13

AR. LEO LLC

AR LEO

14

ARPINET LLC

ARPINET

15

ALEX KAHUYK LLC

ALEX FURNUTURE

16

ASTGHIK ARZUMANYAN PE

ASKAT MOBILE

17

AVETYAN KNKUSH A. PE

ARBAT

18

VALENSIA LLC

AQUATEK / ԱԿՎԱԹԵՔ

19

MANUK GHAZARYAN A. PE

MK

20

VOSKANYAN AIDA PE

AIDA VOSKANYAN

21

SUKIASAN SAGHATEL H. PE

ALIN ELECTRONICS

22

ARMAN MURADYAN A. PE

BAROCCO

23

HRACHYA BABAYAN V. PE

BEKO EJMIATSIN

24

ARMEN KARAPETYAN R.  PE

BEST ALAVERDI

25

ED-SPO LLC

BEKO

26

NEW LEVEL LLC

BL FURNITURE - YEREVAN

27

SHINCAPITAL HOME LLC

BRIGHTHOUSE

28

ZOHRAB KIRAKOSYAN R. PE

BEKO IJEVAN

29

BL LLC

BL

30

BADALYAN DZAVAHIL KH. PE

BOOM HOUSE SEVAN

31

EMGE LLC

BEKO ARTASHAT - GSA ELECTRONICS

32

KORYUN TUNIBEKYAN Y. PE

BALU

33

OTARYAN GARIK I. PE

BABY TOYS

34

GLOBAL BEAUTY LLC

GLOBAL BEAUTY

35

BEKO LLC

BEKO KAPAN

36

ALLA PETROSYAN A. PE

BEST ELECTRONICS VAGHARSHAPAT

37

MI CASA LLC

SHEN TEXTILE

38

RID GROUP LLC

BEKO CHARENTSAVAN

39

GOR SEDRAKYAN H. PE

SHKAFF MASIS

40

DIVA LLC

DIVA

41

MAXIM GIKINYAN PE

DUBAI

42

DECORA GROUP LLC

DECORA GROUP

43

ARTUR KHACHATRYAN PE

DECOR

44

RUBEN ELOYAN PE

DIAMOND ELECTRONICS

45

GRIGORYAN KAREN H. PE

ARA

46

KONSTANTIN GAVALJYAN PE

DAV KAHUYQ

47

BORIS BAGHDASARYAN  A. PE

DESIGNO

48

DSA LLC

BEKO APARAN, VARDENIS

49

HOVAKIMYAN ARAYIK  N. PE

BEST ELECTRONICS

50

DV INVEST LLC

ECO STEP

51

STALKER LLC

EIFFEL

52

ELMARKET LLC

ELDORADO

53

ALDIS LLC

ELEKTRON PLAZA

54

ELSA LLC

ELSA

55

ASLANYANNER LLC

ELITE SHINANYUT

56

UNIVERSAL PROJECT LLC

EUROBAZA

57

EUROSTAN-UYUT LLC

EUROSTAN-UYUT

58

ELZONE LLC

ELZONE

59

FULL HOUSE MARKET LLC

FULL HOUSE

60

FREENERGY LLC

FREENERGY

61

GAPEX LLC

GAPEX

62

GBU LLC

BEKO VANADZOR

63

GRAND SHIN LLC

GRAND SHIN

64

GAR GRIG LLC

TSIATSAN

65

ART GLOBAL LLC

ART GLOBAL

66

MARIAM GHARIBYAN A. PE

SHADE

67

GOR KARAMYAN  S. PE

MIX ELECTRONICS

68

"GRIMAR GROUP" LLC

 BEST ELECTRONICS

69

GSA LLC

GSA ELECTRONICS

70

ARSEN GASPARYAN H. PE

GYUGHTEKHNIKA

71

ARMAN HOVHANNISYAN M. LLC

GARANT

72

MAMIKON MARGARYAN H. PE

BEKO HRAZDAN

73

SMART LIVING LLC

DANUBE HOME

74

HEGHINE YEGHIAZARYAN H. PE

VAHRAMS SECOND

75

VAHAGN EVINYAN A. PE

HI FI ELECTRONICS

76

HRASHK GROUP LLC

SHKAFF

77

HAYK HASRTYAN P. PE

MONIKA FURNITURE

78

HAKSIL LLC

HAKSIL

79

HRASHQ AYGI LLC

HRASHQ AYGI

80

SAIAT SARDARYAN S. PE

ARMALIS

81

MOBLIOS LLC

HUAWEI

82

IM DAVO LLC

BEKO SEVAN

83

ISLUS LLC

ISLUS

84

IMEX GROUP LLC

IMEX GROUP

85

INTERSERVICE MEK LLC

INTERSERVICE MEK

86

ELEN ARAKELYAN A. PE

IPLUS

87

VLA  IMPORTS LLC

ICE WATCH

88

JULIAR LLC

VLV SEVAN

89

JASMIN GROUP LLC

JASMINE

90

HOMEBASE LLC

JYSK

91

MOVSISYAN AMALYA Y. PE

BEAUTY GARDEN GYUMRI

92

ALEKSANYAN GARNIK PE

KAKADU

93

ARAYIK MARTIROSYAN K. PE

BEKO KAPAN

94

KAERKHER LLC

KAERCHER

95

KA AND KA LLC

KIT

96

KAHUYQI ASHKHARH LLC

KAHUYQI ASHXARH

97

VARDANYAN NELI R. PE

LIMA ELECTRONICS

98

VAHAGN KHACHATRYAN K. PE

LEV-VAG

99

HMAYAK  STEPANYAN O. PE

LEADER

100

LEV-VAG LLC 

LEV-VAG

101

ROBERT BATIKYAN E. PE

LYLY

102

PARVAN HOVHANNISYAN G. PE

LYLY

103

HAYK YEGHIAZARYAN T. PE

L&R

104

LIGHTNG LLC

LUYS

105

NORAYR SARGSYAN T. PE

LOUVRE

106

BADALYAN LUSINE H. PE

LV

107

DARF LLC

METS ANIV

108

MOBILIFE LLC

MOBILIFE

109

MYDAV LLC

VLV KAPAN

110

M-ELECTRONICS LLC

ELHOUSE

111

KHACHATRYAN MERI A. PE

SEVAN KAHUYQ

112

ASKHEN SARDARYAN PE

ARGAVAND KAHUYQ

113

MK GROUP LLC

KAHUYQ MALL

114

MELISA LLC

MELISA

115

BMS LLC

BMS

116

MEGALUXE LLC

MEGALUXE

117

MIRU LLC

MY NOTEBOOK

118

ARA BARSEGHYAN S. PE

NATURALGAS

119

NORAYR EV HRAYR BROTHERS PE

NORAYR HRAYR EXBAYRNER

120

KALASHYAN ROBERT H. PE

SADSHIN

121

NORIK HAKOBYAN H. PE

KAHUYQ

122

NAIRI PARSYAN M. PE

KAHUYQ

123

NOTESTORE LLC

NOTEBOOK CENTTRE

124

BARSIS LLC

NOR TUN

125

OPTIMUM ENERGY LLC

OPTIMUM ENERGY

126

KINETIC CJSC

ORANGE FITNESS

127

THE OHM ENERGY LLC

OHM ENERGY

128

EDGAR & NAZELI LLC

OJAKH

129

OKTO LLC

OKTO

130

SVETA SEROBYAN A. PE

ALL CELL

131

SMBAT PAPOYAN R. PE

OPTIMA

132

OSKAR ELECTRNOICS LLC

OSKAR ELECTRONICS

133

OTRE LLC

AUTRE

134

MY TECHNO LLC

PC

135

 PC ELECTRONICS LLC

PC ELECTRONICS

136

ANZHELA GHARIBYAN S. PE

PC MOBILE

137

GHARIBYAN FELIKS E. PE

PLAZA PLUS

138

ELEN GHUSHCHYAN L. PE

PC ASHTARAK

139

PIXELS LLC

PIXEL

140

PLASMA VAN LLC

PLASMA ELECTRONICS

141

AGHABEKYAN SEYRAN V. PE

ABOVYAN SHIN

142

MUSHEGH GALSTYAN R. PE

R&R

143

ARSHAK HOVHANNISYAN V. PE

RESULT

144

KHACHATUR GEVORGYAN SH. PE

R&G, S&G

145

REZON LLC

REZON

146

RINO LLC

METS ANIV GHARABAGH

147

ROYAL STAR LLC

ROYAL STAR

148

NOTEBOOK STORE LLC

RED STORE

149

COMFORT R & V LLC

R&V COMFORT

150

SHAH LLC

REZON

151

SBS LLC

SBS

152

ANAHIT GEVORGYAN N. PE

SMART ELECTRONICS

153

SOLAR ENERGY SISTEM SOLUTIONS LLC

SOLARESS

154

SIGMA-ELECTRONICS LLC

SIGMA ELECTRONICS

155

SARIBEK GHAZARYAN A. PE

MS

156

PROFPANEL LLC

SOLARON

157

PLATFORM LLC

SMART ENERGY

158

SHINMOL LLC

SHIN MALL

159

SONET LLC

SONET

160

GSS LLC

GLOBAL SAVING

161

SERYOZHA HARUTYUNYAN N. PE

KAHUYQ

162

SOLAR GROUP LLC

SOLAR GROUP

163

RENEWABLE CAUCASUS CORPORATION LLC

SUNNY CITY

164

ECOVILLE LLC

ECO VILLE

165

MULTI SOLAR  LLC

MULTI SOLAR

166

PROFIS GROUP LLC

PROFIS ENERGY

167

TERMOROS-AR LLC

TERMOROS

168

GARIK ANDREASYAN V. PE

TNA SHEN

169

ARSEN GRIGORYAN B. PE

TECHNO HOUSE

170

ARAYIK HOVSEPYAN E. PE

TECHNO HOUSE /ARARAT/

171

TOP-TECH LLC

TOP FLOOR

172

SHTIGEN  LLC

SHTIGEN

173

NELLI VOSKANYAN  A. PE

TH MOBILE

174

NAVASARDYAN TAMARA PE

TAMARA FURNITURE

175

ARMAN VOSKANYAN D. PE

TELEPHONE-MELEPHONE

176

HRANT GRIGORYAN LLC

TECHNO STORE

177

NAREK HOVSEPYAN B. PE

TSIATSAN

178

ARGAM AVETISYAN V. PE

SHEN TUN

179

UCOM CJSC

UCOM

180

ARTUR MARTIROSYAN Y. PE

ARTHUR SHIN

181

NIKKAR LLC

VESTA MARTUNI

182

VARDAZAR MKRTCHYAN L. PE

BEKO MARTUNI

183

VMH WOOD LLC

SALMAST

184

VEGA WORLD LLC

VEGA

185

DAVID MKRTCHYAN J. PE

VEGAS

186

VELHOFF LLC

VELOFF

187

ARSEN JILAVYAN V. PE

VAL-JOR

188

VANMETAGHAR LLC

KAHUYQ

189

VLV CENTRE LLC

VLV

190

VAHAN MARGARYAN H. PE

ARMALIS

191

VENUS EL LLC

VENUS

192

HAYR EV VORDI BEKNAZARYANNER LLC

VESTA PLUS

193

KALASHYAN VOLODYA A. PE

VOLODYA

194

VERSAL GROUP LLC

VERSAL

195

PRETTY WAY LLC

VESTA

196

ARMEN & ANUSHIK LLC

VESTA EGHEGNADZOR

197

AGEVART LLC

VLV ARMAVIR

198

VERTICAL LUXE SYSTEM LLC

SHEN SHEM

199

EDGAR MEDOYAN S. PE

VS GAS

200

SUSANNA GHAZANCHYAN Y. PE

WEST ABOVYAN

201

NEZHDIK TER-ABRAHAMYAN A. PE

WEST ABOVYAN

202

KAREN AYVAZYYAN A. PE

WOOD TOWN EA

203

WOOD TOWN-G LLC

WOOD TOWN

204

WATCH WORLD LLC

CHRONOGRAPH

205

SMART ORANGE AM LLC

XIAOMI

206

X-MOBILE LLC

X-TECHNICS

207

VLV LLC

VLV STEPANAKERT

208

SOLAR SYSTEM LLC

SOLAR SYSTEM

209

ZIGZAG LLC

ZIGZAG

210

TEKHNIKAT LLC

Z-MIX

211

PLAZMA 99 LLC

PLAZMA SEVAN

212

Z S TOP LLC

SKILL AM

213

YAN SOLUTIONS AND CONSULTING LLC

EINHELL

214

V AND B STYLE CJSC

VILLEROY & BOCH SANITARY 

215

MARSHALL LAND LLC

ANIVNERI ASHKHARH 

216 QISVEL LLC VLV ECHMIATSIN
217 FORTUNA BUSINESS SCHOOL LLC BUSINESS DEVELOPMENT GROUP
218 BARSEGHYAN ANZHELA KARLEN PE VLV VARDENIS
219 EUROENER LLC EUROENERGY
220 A&A MUSIC LLC AKORD
221 SOLAR HOUSE LLC SOLAR HOUSE
222 SOLAR.AM LLC SOLAR.AM
223 DONALDS GROUP LLC DONALDS ENERGY
224 L&V LLC L&V
225 GARIK HARUTYUNYAN M. PE SKS
226 NAREK SMBATYAN A. PE MASTER
227 GAGIK KARAPETYAN LLC VESTA SEVAN
228 DIANA SHAHINYAN R. PE DESIGNO
229 AM SOLAR ENERGY LLC AM SOLAR ENERGY
230 MARIA NISIFOROVA PE BASE STUDIO
231 CONTEXIM LLC ZVEREV BEAUTY SALON
232 NAVAVAN LLC REIMA
233 MISAK MOVSISYAN M. PE BEAUTY GARDEN
234 COMPANY 1982 GROUP LLC VLV ARARAT
235 TEREZA KANETSYAN M. PE BOMBUS
236 ELPIANO LLC PIANO HOUSE
237 VARDAN SAMVELYAN A. PE ARMADA MALL
238 ALIK KHACHATRYAN V. PE FABRICA FURNITURE

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 provided to the individuals aged 21-65 and having Republic of Armenia citizenship for the purchase of consumer goods, such as household appliances, computer hardware, mobile phones, furniture, air conditioners, heating systems, solar panels, and other products and services.
  • 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 03.02.2021, 10:25

Services for Individuals

  
HEAD OFFICE

2 Vazgen Sargsyan Street, Yerevan 0010,RA

Tel.: +37410 56 11 11

in USA:

+1 888 802 5352

In UK:

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in the territory of the country

Dear visitor,
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