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 % - 15.1 %                         

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

 

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

HUSIK HOVHANNISYAN T. PE

ARMADA MALL

13

ARPANIV LLC

AUTO MAX

14

ANI DENT LLC

ANI DENT

15

AR. LEO LLC

AR LEO

16

ARPINET LLC

ARPINET

17

ALEX KAHUYK LLC

ALEX FURNUTURE

18

ASTGHIK ARZUMANYAN PE

ASKAT MOBILE

19

AVETYAN KNKUSH A. PE

ARBAT

20

VALENSIA LLC

AQUATEK / ԱԿՎԱԹԵՔ

21

MANUK GHAZARYAN A. PE

MK

22

VOSKANYAN AIDA PE

AIDA VOSKANYAN

23

SUKIASAN SAGHATEL H. PE

ALIN ELECTRONICS

24

ARMAN MURADYAN A. PE

BAROCCO

25

HRACHYA BABAYAN V. PE

BEKO EJMIATSIN

26

ARMEN KARAPETYAN R.  PE

BEST ALAVERDI

27

ED-SPO LLC

BEKO

28

NEW LEVEL LLC

BL FURNITURE - YEREVAN

29

SHINCAPITAL HOME LLC

BRIGHTHOUSE

30

ZOHRAB KIRAKOSYAN R. PE

BEKO IJEVAN

31

BL LLC

BL

32

MARIAM BAGHDASARYAN  A. LLC

DESIGNO

33

BADALYAN DZAVAHIL KH. PE

BOOM HOUSE SEVAN

34

EMGE LLC

BEKO ARTASHAT - GSA ELECTRONICS

35

KORYUN TUNIBEKYAN Y. PE

BALU

36

OTARYAN GARIK I. PE

BABY TOYS

37

GLOBAL BEAUTY LLC

GLOBAL BEAUTY

38

BEKO LLC

BEKO KAPAN

39

ALLA PETROSYAN A. PE

BEST ELECTRONICS VAGHARSHAPAT

40

MI CASA LLC

SHEN TEXTILE

41

RID GROUP LLC

BEKO CHARENTSAVAN

42

GOR SEDRAKYAN H. PE

SHKAFF MASIS

43

DIVA LLC

DIVA

44

MAXIM GIKINYAN PE

DUBAI

45

DECORA GROUP LLC

DECORA GROUP

46

ARTUR KHACHATRYAN PE

DECOR

47

SARGSYAN LEVON  PE

DESIGNO 3

48

RUBEN ELOYAN PE

DIAMOND ELECTRONICS

49

GRIGORYAN KAREN H. PE

ARA

50

KONSTANTIN GAVALJYAN PE

DAV KAHUYQ

51

BORIS BAGHDASARYAN  A. PE

DESIGNO

52

DSA LLC

BEKO APARAN, VARDENIS

53

HOVAKIMYAN ARAYIK  N. PE

BEST ELECTRONICS

54

DV INVEST LLC

ECO STEP

55

STALKER LLC

EIFFEL

56

ELMARKET LLC

ELDORADO

57

ALDIS LLC

ELEKTRON PLAZA

58

ELSA LLC

ELSA

59

ASLANYANNER LLC

ELITE SHINANYUT

60

UNIVERSAL PROJECT LLC

EUROBAZA

61

EUROSTAN-UYUT LLC

EUROSTAN-UYUT

62

ELZONE LLC

ELZONE

63

FULL HOUSE MARKET LLC

FULL HOUSE

64

FORTUNA TRADE LLC

FORTUNA TRADE

65

FREENERGY LLC

FREENERGY

66

GAPEX LLC

GAPEX

67

GBU LLC

BEKO VANADZOR

68

GRAND SHIN LLC

GRAND SHIN

69

GAR GRIG LLC

TSIATSAN

70

GHAZARYAN VAN Y. PE

VAN EV ARMAN

71

ART GLOBAL LLC

ART GLOBAL

72

MARIAM GHARIBYAN A. PE

SHADE

73

GOR KARAMYAN  S. PE

MIX ELECTRONICS

74

"GRIMAR GROUP" LLC

 BEST ELECTRONICS

75

GSA LLC

GSA ELECTRONICS

76

ARSEN GASPARYAN H. PE

GYUGHTEKHNIKA

77

ARMAN HOVHANNISYAN M. LLC

GARANT

78

MAMIKON MARGARYAN H. PE

BEKO HRAZDAN

79

SMART LIVING LLC

DANUBE HOME

80

HEGHINE YEGHIAZARYAN H. PE

VAHRAMS SECOND

81

VAHAGN EVINYAN A. PE

HI FI ELECTRONICS

82

HRASHK GROUP LLC

SHKAFF

83

HAYK HASRTYAN P. PE

MONIKA FURNITURE

84

HAKSIL LLC

HAKSIL

85

HRASHQ AYGI LLC

HRASHQ AYGI

86

SAIAT SARDARYAN S. PE

ARMALIS

87

MOBLIOS LLC

HUAWEI

88

IM DAVO LLC

BEKO SEVAN

89

ISLUS LLC

ISLUS

90

IMEX GROUP LLC

IMEX GROUP

91

INTERSERVICE MEK LLC

INTERSERVICE MEK

92

ARIS SEDRAKYAN PE

STYLE STUDIO VANADZOR

93

ELEN ARAKELYAN A. PE

IPLUS

94

VLA  IMPORTS LLC

ICE WATCH

95

JULIAR LLC

VLV SEVAN

96

JASMIN GROUP LLC

JASMINE

97

HOMEBASE LLC

JYSK

98

MOVSISYAN AVETIK M. PE

KARIN BEAUTY

99

MOVSISYAN AMALYA Y. PE

KARIN BEAUTY GYUMRI

100

ALEKSANYAN GARNIK PE

KAKADU

101

ARAYIK MARTIROSYAN K. PE

BEKO KAPAN

102

KAERKHER LLC

KAERCHER

103

KA AND KA LLC

KIT

104

KAHUYQI ASHKHARH LLC

KAHUYQI ASHXARH

105

VARDANYAN NELI R. PE

LIMA ELECTRONICS

106

VAHAGN KHACHATRYAN K. PE

LEV-VAG

107

HMAYAK  STEPANYAN O. PE

LEADER

108

LEV-VAG LLC 

LEV-VAG

109

ROBERT BATIKYAN E. PE

LYLY

110

PARVAN HOVHANNISYAN G. PE

LYLY

111

HAYK YEGHIAZARYAN T. PE

L&R

112

LIGHTNG LLC

LUYS

113

NORAYR SARGSYAN T. PE

LOUVRE

114

BADALYAN LUSINE H. PE

LV

115

DARF LLC

METS ANIV

116

MOBILIFE LLC

MOBILIFE

117

MYDAV LLC

VLV KAPAN

118

M-ELECTRONICS LLC

ELHOUSE

119

KHACHATRYAN MERI A. PE

SEVAN KAHUYQ

120

ASKHEN SARDARYAN PE

ARGAVAND KAHUYQ

121

MK GROUP LLC

KAHUYQ MALL

122

MELISA LLC

MELISA

123

BMS LLC

BMS

124

MEGALUXE LLC

MEGALUXE

125

MIRU LLC

MY NOTEBOOK

126

ARA BARSEGHYAN S. PE

NATURALGAS

127

NORAYR EV HRAYR BROTHERS PE

NORAYR HRAYR EXBAYRNER

128

KALASHYAN ROBERT H. PE

SADSHIN

129

NORIK HAKOBYAN H. PE

KAHUYQ

130

NAIRI PARSYAN M. PE

KAHUYQ

131

NOTESTORE LLC

NOTEBOOK CENTTRE

132

BARSIS LLC

NOR TUN

133

OPTIMUM ENERGY LLC

OPTIMUM ENERGY

134

KINETIC CJSC

ORANGE FITNESS

135

THE OHM ENERGY LLC

OHM ENERGY

136

EDGAR & NAZELI LLC

OJAKH

137

OKTO LLC

OKTO

138

SVETA SEROBYAN A. PE

ALL CELL

139

SMBAT PAPOYAN R. PE

OPTIMA

140

OSKAR ELECTRNOICS LLC

OSKAR ELECTRONICS

141

OTRE LLC

AUTRE

142

MY TECHNO LLC

PC

143

 PC ELECTRONICS LLC

PC ELECTRONICS

144

ANZHELA GHARIBYAN S. PE

PC MOBILE

145

GHARIBYAN FELIKS E. PE

PLAZA PLUS

146

ELEN GHUSHCHYAN L. PE

PC ASHTARAK

147

PIXELS LLC

PIXEL

148

PLASMA VAN LLC

PLASMA ELECTRONICS

149

AGHABEKYAN SEYRAN V. PE

ABOVYAN SHIN

150

MUSHEGH GALSTYAN R. PE

R&R

151

ARSHAK HOVHANNISYAN V. PE

RESULT

152

KHACHATUR GEVORGYAN SH. PE

R&G, S&G

153

REZON LLC

REZON

154

RINO LLC

METS ANIV GHARABAGH

155

ROBEN LLC

BEKO TALIN

156

ROYAL STAR LLC

ROYAL STAR

157

NOTEBOOK STORE LLC

RED STORE

158

COMFORT R & V LLC

R&V COMFORT

159

SHAH LLC

REZON

160

SBS LLC

SBS

161

ANAHIT GEVORGYAN N. PE

SMART ELECTRONICS

162

SOLAR ENERGY SISTEM SOLUTIONS LLC

SOLARESS

163

SIGMA-ELECTRONICS LLC

SIGMA ELECTRONICS

164

SARIBEK GHAZARYAN A. PE

MS

165

PROFPANEL LLC

SOLARON

166

PLATFORM LLC

SMART ENERGY

167

SHINMOL LLC

SHIN MALL

168

SONET LLC

SONET

169

GSS LLC

GLOBAL SAVING

170

SERYOZHA HARUTYUNYAN N. PE

KAHUYQ

171

SOLAR GROUP LLC

SOLAR GROUP

172

RENEWABLE CAUCASUS CORPORATION LLC

SUNNY CITY

173

ECOVILLE LLC

ECO VILLE

174

MULTI SOLAR  LLC

MULTI SOLAR

175

PROFIS GROUP LLC

PROFIS ENERGY

176

TERMOROS-AR LLC

TERMOROS

177

GARIK ANDREASYAN V. PE

TNA SHEN

178

ARSEN GRIGORYAN B. PE

TECHNO HOUSE

179

ARAYIK HOVSEPYAN E. PE

TECHNO HOUSE /ARARAT/

180

TOP-TECH LLC

TOP FLOOR

181

SHTIGEN  LLC

SHTIGEN

182

NELLI VOSKANYAN  A. PE

TH MOBILE

183

NAVASARDYAN TAMARA PE

TAMARA FURNITURE

184

ARMAN VOSKANYAN D. PE

TELEPHONE-MELEPHONE

185

HRANT GRIGORYAN LLC

TECHNO STORE

186

NAREK HOVSEPYAN B. PE

TSIATSAN

187

ARGAM AVETISYAN V. PE

SHEN TUN

188

UCOM CJSC

UCOM

189

ARTUR MARTIROSYAN Y. PE

ARTHUR SHIN

190

NIKKAR LLC

VESTA MARTUNI

191

VARDAZAR MKRTCHYAN L. PE

BEKO MARTUNI

192

VMH WOOD LLC

SALMAST

193

VEGA WORLD LLC

VEGA

194

DAVID MKRTCHYAN J. PE

VEGAS

195

VELHOFF LLC

VELOFF

196

ARSEN JILAVYAN V. PE

VAL-JOR

197

VANMETAGHAR LLC

KAHUYQ

198

VLV CENTRE LLC

VLV

199

VAHAN MARGARYAN H. PE

ARMALIS

200

VENUS EL LLC

VENUS

201

HAYR EV VORDI BEKNAZARYANNER LLC

VESTA PLUS

202

KALASHYAN VOLODYA A. PE

VOLODYA

203

VERSAL GROUP LLC

VERSAL

204

PRETTY WAY LLC

VESTA

205

ARMEN & ANUSHIK LLC

VESTA EGHEGNADZOR

206

AGEVART LLC

VLV ARMAVIR

207

VERTICAL LUXE SYSTEM LLC

SHEN SHEM

208

EDGAR MEDOYAN S. PE

VS GAS

209

SUSANNA GHAZANCHYAN Y. PE

WEST ABOVYAN

210

NEZHDIK TER-ABRAHAMYAN A. PE

WEST ABOVYAN

211

KAREN AYVAZYYAN A. PE

WOOD TOWN EA

212

WOOD TOWN-G LLC

WOOD TOWN

213

WATCH WORLD LLC

CHRONOGRAPH

214

SMART ORANGE AM LLC

XIAOMI

215

X-MOBILE LLC

X-TECHNICS

216

VLV LLC

VLV STEPANAKERT

217

SOLAR SYSTEM LLC

SOLAR SYSTEM

218

ZIGZAG LLC

ZIGZAG

219

TEKHNIKAT LLC

Z-MIX

220

PLAZMA 99 LLC

PLAZMA SEVAN

221

Z S TOP LLC

SKILL AM

222

YAN SOLUTIONS AND CONSULTING LLC

EINHELL

223

V AND B STYLE CJSC

VILLEROY & BOCH SANITARY 

224

MARSHALL LAND LLC

ANIVNERI ASHKHARH 

225

PIANO HOUSE LLC

PIANO HOUSE

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 29.07.2020, 15:05

Services for Individuals

  
HEAD OFFICE

2 Vazgen Sargsyan Street, Yerevan 0010,RA

Tel.: +37410 56 11 11

In the US:

+1 888 802 5352 

In the UK:

+448000465400

Dear visitor,
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