HERE AND BEYOND
Consumer finance
Media Room

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

 

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

MOBILE CENTER ART LLC

MOBILE CENTRE

4

MTS-ARMENIA CJSC

VIVACELL MTS

5

VLV CENTER Co.Ltd

VLV

6

UCOM LLC

UCOM

7

ED-SPO LLC

BEKO

8

PC ELECTRONICS LLC

PC ELECTRONICS

9

BARSIS LLC

NOR TUN

10

UNIVERSAL PROJECT Co.Ltd

EUROBAZA

SMILE PRICE

11

VOSKE AREV LLC

220 VOLT

12

MEDIA EXPERT LLC

13

DARF LLC

METS ANIV

14

VENUS EL LLC

VENUS

15

ASTGHIK ARZUMANYAN PE

ASKAT MOBILE

16

VEON ARMENIA CJSC

BEELINE

17

MASTERPHONE LLC

3D PLANET

18

DECORA-GROUP LLC

DOMUS, DUSON

19

PRETTY WAY LLC

VESTA

20

IMEX GROUP LLC

IDEAL

21

MULTI ELECTRONICS LLC

MY NOTEBOOK

22

MOBILIFE LLC

MOBILIFE

23

PIXELS LLC

PIXEL

24

VALENSIA JV LLC

KLAIK

25

BL LLC

BL

26

GBU LLC

BEKO(VANADZOR)

27

GSA LLC

GSA ELECTRONICS

28

MOBLIOS LLC

HUAWEI

29

NEW FLY LLC

PLASMA ELECTRONICS

30

RINO LLC

METS ANIV (GHARABAGH)

31

SHAH LLC

REZON

32

SBS LLC

SBS

33

TECHNICAT LTD

Z-MIX

34

MOBILE-IQS LLC

XTECHNX

35

OSCAR ELECTRONICS LLC

ELDORADO, BEKO (GYUMRI)

36

SIGMA ELECTRONICS LLC

SIGMA ELECTRONICS

37

NAREK HOVSEPYAN PE

TSIATSAN

38

HAYK GRIGORYAN G. PE

PC ELECTRONICS (ETCHMIATSIN)

39

ELEN GHUSHCHYAN L. PE

PC ELECTRONICS (ASHTARAK)

40

ARTUR KHACHATRYAN PE

DECOR

41

ARTASHES KHACHATRYAN S. PE

AUTOHOUSE

42

KONSTANTIN GAVALAJYAN PE

DAV KAHUYQ

43

VERTICAL LUXE SYSTEM LLC

SHEN SHEM

44

ANI MARKOSYAN M. PE

ANI KAHUYQ

45

INTERFUR LLC

ASHLEY HOMESTORE

46

HRASHQ LLC

SHKAFF

47

HAKOB SARGSYAN GH. PE

48

KA AND KA Co.Ltd

KIT KAHUYQ

49

ARPANIV LLC

AUTOMAX

50

MK GROUP LLC

KAHUYQ

51

MAKSIM GIKINYAN PE

DUBAY

52

RED STORE LLC

RED STOR

53

ELSA LLC

ELSA

54

SVETA SEROBYAN PE

ALL CELL

55

SPORT CITY LLC

SPORT CITY

56

HAYR EV VORDI BEKNAZARYANNER LLC

VESTA PLUS

57

HANMAR LLC

FEDERAL

58

SMART ORANGE AM LLC

XIAOMI

59

SPORT LIFE LLC

SPORTLANDIA

60

SHTIGEN  LLC

SHTIGEN

61

ANAHIT GEVORGYAN N. PE

SMART ELECTRONICS

62

PROFPANEL LLC

SOLARON

63

DAVIT MKRTCHYAN J. PE

VEGAS

64

VERSAL GROUP LLC

VERSAL

65

ALDIS LLC

ELEKTRON PLAZA

66

NORAYR SARGSYAN T. PE

LOUVRE

67

FREENERGY Co.Ltd

FREENERGY

68

NORAYR AND HRAYR BROTHERS PE

NORAYR AND HRAYR BROTHERS

69

AVETISYAN ARTUR ZH. PE

TAQ TUN

70

ANAHIT EVOYAN L. PE

VAHE ELEKTRONICS

71

TIGER GROUP LLC

REEBOK

72

FORTUNA TRADE Co.Ltd

FORTUNA TRADE

73

ROBEN LLC

BEKO (ABOVYAN, TALIN)

74

ELMARKET Co.Ltd

ELDORADO

75

INTERSERVICE MEK LLC

MEK

76

PLATFORM LLC

SMART ENERGY

77

NOTESTORE LLC

NOTEBOOKCENTRE

78

NUGA HOUSE LLC

NUGA HOUSE

79

ALIK GRIGORYAN H. PE

IMAGE CODE

80

AGA-GROUP LLC

KAHUYQI ASHKHARH

81

COMFORT R AND V LLC

R AND V COMFORT

82

MAYDAV LLC

VLV (KAPAN)

83

AGEVART LLC

VLV (ARMAVIR)

84

MUSHEGH HOVHANNISYAN L. PE

ARGAVAND KAHUYQ

85

SAHAK HOVHANNISYAN V. PE

ARMALIS

86

ARAKSYA SIMONYAN G. PE

87

VAHAN MARGARYAN H. PE

88

ARSEN GASPARYAN H. PE

GYUGHTEKHNIKA

89

LENA GHUKASYAN A. PE

ELENA

90

BESTSHOP LLC

BEST SHOP

91

SHANT AKULYAN KH. PE

BEKO (ARTIK)

92

SHINCAPITAL HOME LLC

BRIGHT HOUSE

93

ANI DENT LLC

ANI DENT DENTAL CLINIC

94

BORIS BAGHDASARYAN A. PE

DESIGNO

95

MARIAM BAGHDASARYAN A. PE

96

SARGSYAN LEVON G. PE

97

ARMAN HOVHANNISYAN M. PE

GARANT

98

DSA LLC

BEKO (APARAN)

99

SONET Co.Ltd

SONET

100

GAPEX LLC

GAPEX

101

HMAYAK O. STEPANYAN PE

LEADER

102

TIGRAN GEVORGYAN A. PE

ALEX DECOR

103

GAR GRIG LLC

TSIATSAN

104

Z S TOP Co.Ltd

SKILL AM

105

SERGEY CJSC

KHACHEN

106

PLAZMA VAN LLC

PLASMA ELECTRONICS

107

ELZONE LLC

ELZONE

108

ARAYIK MARTIROSYAN PE

BEKO (KAPAN)

109

FULL HOUSE MARKET LLC

FULL HOUSE MARKET

110

DV INVEST LLC

ECO STEP

111

SUSANNA TOPLAGHALTSYAN PE

ADAS

112

HAYK HASRATYAN P. PE

MONIKA KAHUYQI SRAH

113

CHO KO CRIBS LLC

Woolic Cribs

114

NAIRI PARSYAN M. PE

KAHUYQ

115

AGAPI SHMAVONYAN PE

BEKO (ARMAVIR)

116

HUSIK HOVHANNISYAN T. PE

ARMADA MALL

117

NIKKAR LLC

VESTA (MARTUNI)

118

LIA-K GROUP LLC

LIA CERAMICS

119

ARMEN AND ANUSHIK LLC

VESTA (EGHEGNADZOR)

120

HOVHANNISYAN ARSHAK V. PE

RESULT

121

ZHARANGORD AK

ZHARANGORD

122

BARSEGHYAN ARA S. PE

NATURALGAS

123

RENEWABLE COCKASS CORPORATION LLC

SUNNY CITY

124

ISLUS LLC

ISLUS

125

AR. LEO LLC

AR LEO

126

JULIAR LLC

VLV (SEVAN)

127

MELANTES Co.Ltd

WALL DECO

128

IM DAVO LLC

BEKO (SEVAN)

129

VANMETAGHAR LLC

KAHUYQ

130

HOVAKIMYAN ARAYIK N. PE

BEST ELECTRONICS

131

MARIAM GHARIBYAN A. PE

SHADE

132

SERYOZHA HARUTYUNYAN N. PE

KAHUYQ

133

RGR LLC

BEKO (VARDENIS)

134

ANZHELA GHARIBYAN S. PE

PC MOBILE

135

LUXURY GARDEN LLC

LUXURY GARDEN

136

AUTRE LLC

AUTRE

137

TOP-TECH LLC

TOP FLOOR

138

MELISA LLC

MELISA

139

ZOHRAB KIRAKOSYAN R. PE

BEKO (IJEVAN)

140

HRACHYA BABAYAN W. PE

BEKO (ETCHMIATSIN)

141

ARAM AGHEKYAN B. PE

YAFERRARI

142

M-ELECTRONICS LLC

ELHOUSE

143

SOLAR GROUP LLC

SOLAR GROUP

144

EDGAR AND NAZELI LLC

OJAKH

145

OPTIMUM ENERGY LLC

OPTIMUM ENERGY

146

BRABION FLORA SERVICE LLC

ABIO HIPERMARKET

147

SARIBEK GHAZARYAN A. PE

MS KAHUYQ

148

BMS LLC

BMS

149

VELHOFF LLC

VELHOFF

150

SOLAR ENERGY SYSTEM SOLUTIONS LLC

SOLARESS

151

YEPREMYAN AMATUNI W. PE

ЕПРЕМЯН АМАТУНИ В. ЧП

152

SARIMAN MAMAJANYAN PE

VIYANA

153

SHINMOL LLC

SHINMOL

154

MANUK GHAZARYAN A. PE

MK KAHUYQ

155

ARAKELYAN ELEN A. PE

I PLUS

156

NORIK HAKOBYAN H. PE

KAHUYQ

157

BEST GROUP LLC

LIDERIA, CERAMIC CITY

158

VILLAMO LLC

VILLAMO

159

VAHAGN EVINYAN A. PE

HI FI

160

NEJDIK TER-ABRAHAMYAN A. PE

WEST ABOVYAN

161

SUSANNA GHAZANCHYAN Y. PE

AG MOBILE

162

HAYR EV VORDI ASATRYANNER LLC

AG MOBILE

163

REZON LLC

REZON

164

OTARYAN GARIK I. PE

BABY TOYS

165

VLV LLC

VLV STEPANAKERT

166

YEGHIAZARYAN HAYK T. PE

L AND R

167

GHAZARYAN VAN PE

VAN AND ARMAN

168

ARMAN MURADYAN A. PE

BAROCCO

169

GLOBAL BEAUTY LLC

GLOBAL BEAUTY

170

ELOYAN RUBEN PE

DIMOND

171

GRIMAR GROUP LLC

BEST ELECTRONICS

172

HAKSIL LLC

HAKSIL

173

KHOJOYAN SUREN A. PE

JAHERI TUN

174

LIGHTING LLC

LUYS

175

HRANT GRIGORYAN LLC

TEKHNO STOR

176

LIVINGS LLC

LIVINGS

177

ECOVILL LLC

ECOVILL

178

HEGHINE YEGHIAZARYAN O. PE

TEKHNIKA

179

ARMINE TSATURYAN V. PE

MANE KAHUYQ

180

NELLI VOSKANYAN A. PE

TH MOBILE

181

ARAYIK HOVSEPYAN E. PE

TEKHNO HOUSE

182

ARSEN GRIGORYAN B. PE

MIX ELEKTRONICS

183

GOR KARAMYAN S. PE

MIX ELEKTRONICS

184

GAYELLAS LLC

ELLA KAHUYQ

185

VMH LLC

SALMAST

186

EVROSTAN-UYUT LLC

EVROSTAN UYUT

187

WATCH WORLD LLC

CHRONOGRAPH

188

HRASHK AYGI LLC

HRASHQ AYGI

189

MULTI SOLAR LLC

MULTI SOLAR

190

PLASMA 99 LLC

PLAZMA 99

191

VARDAZAR MKRTCHYAN PE

BEKO (MARTUNI)

192

AVETYAN KNKUSH A. PE

ARBAT

193

ARSIEL LLC

ARSIEL

194

MAMIKON MARGARYAN H. PE

VM ELECTRONICS

195

ARTUR MARTIROSYAN Y. PE

SHINANYUT

196

GAYANE KHUNOYAN B. PE

LYLY

197

THE OHM ENERGY LLC

THE OHM ENERGY

198

ARTASHES MKRTCHYAN PE

LABELLE

199

KALASHYAN VOLODYA PE

KAHUYQ

200

ILIOS LLC

ILIOS

201

RID GROUP LLC

BEKO (CHARENCAVAN)

202

ARMEN KARAPETYAN R. PE

BEST ALAVERDI

203

PROFIS GROUP LLC

PROFIS ENERGY

204

MOVSISYAN AVETIK M. PE

KARIN BEAUTY

205

ALEX FURNITURE LLC

ALEX FURNITURE

206

NAVASARDYAN TAMAR V. PE

TAMARA FURNITURE

207

SOLAR CENTRE LLC

SOLAR CENTRE

208

ALEKSANYAN GARNIK PE

KAKADOO

209

GHARIBYAN FELIKS E. PE

PLAZA PLUS

210

A&A LLC

A&A

211

GSS LLC

GLOBAL SAVING SYSTEMS

212

ROYAL STAR LLC

ROYAL STAR

213

KHACHATRYAN MERI A. PE

SEVAN KAHUYQ

214

MURADYAN ARMEN V. PE

BEKO (ARMAVIR) 

215

BADALYAN LUSINE H. PE

LV

216

KINETIC CJSC

ORANGE FITNESS

217

SV LLC

BEKO (ABOVYAN)

218

JASMINE GROUP LLC

JASMINE GROUP

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 25.07.2009, 11:22
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