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 who are resident in 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 who are resident in 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 who are resident in 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

209

MEGALUXE LLC

 MEGALUXE

210

MOVSISYAN AMALYA Y. PE

KARIN BEAUTY (GYUMRI)

211

BADALYAN DZAVAHIL KH. PE

BOOM HOUSE SEVAN

212

GEVORGYAN KAREN H. PE

ARA

213

LILIT HOVHANNISYAN PE

BEKO (ARMAVIR)

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 29.01.2020, 15:59

Services for Individuals

  
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+1 888 802 5352

UK:

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