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. 

 

Currency

AMD

Credit limit

50,000-1,500,000

Deposit

From 0%

Term (months)

6-60 months, except of computer equipment and telephones, for which the maximum term is set at 36 months.

Annual nominal interest rate

0-24%

Monthly credit account service fee

0-1.2% of provided loan

Loan disbursement fee (lump sum)

0%

Repayment method

Annuity (equal monthly installments consisting of a portion of loan and a portion of interest)

Security

Purchased goods

LTV (“loan to value of security”) ratio

Maximum 100%


Required documents

Personal ID

PPSN (Social card) 

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 MEGASTORE

ZIGZAG ANTENA

3

MOBILE CENTER ART LLC

MOBILE CENTER

4

MTS-ARMENIA CJSC

MTS

5

VLV CENTER Co.Ltd

VLV

6

UCOM LLC

UCOM

7

ARAY LLC

ARAY

8

ED-SPO LLC

BEKO

9

PC ELECTRONICS LLC

PC ELECTRONICS

10

BARSIS LLC

NOR TUN

11

UNIVERSAL PROJECT Co.Ltd

EUROBAZA

12

VOSKE AREV LLC

220 VOLT

13

MEDIA EXPERT LLC

14

DARF LLC

METS ANIV

15

VENUS EL

VENUS

16

ASTGHIK MARZUMANYAN PE

ASKAT MOBILE

17

VEON ARMENIA CJSC

BEELINE

18

MASTERPHON LLC

3D PLANET

19

DECORA-GROUP LLC

DOMUS, DUSON

20

PRETTY WAY LLC

VESTA

21

IMEX GROUP LLC

IDEAL

22

MULTI ELECTRONICS LLC

MY NOTEBOOK

23

MOBILIFE LLC

MOBILIFE

24

PIXEL LLC

PIXEL

25

VALENSIA JV LLC

KLAIK

26

ISTORE LLC

ISTORE

27

SUREN SAGHATELYAN P. PE

SMILE PRICE

28

BL LLC

BL

29

GBU LLC

BEKO(VANADZOR)

30

GSA LLC

GSA ELECTRONICS

31

MOBLIOS LLC

HUAWEI

32

NEW FLY LLC

PLASMA ELECTRONICS

33

RINO LLC

METS ANIV (GHARABAGH)

34

SHAH LLC

REZON

35

SBS LLC

SBS

36

TECHNICAT LTD

Z-MIX

37

MOBILE-IQS LLC

XTECHNX

38

OSCAR ELECTRONICS LLC

ELDORADO, BEKO (GYUMRI)

39

SIGMA ELECTRONICS LLC

SIGMA ELECTRONICS

40

NAREK HOVSEPYAN PE

TSIATSAN

41

HAYK GRIGORYAN PE

PC ELECTRONICS ETCHMIATSIN, ASHTARAK

42

ARTUR KHACHATRYAN PE

DECOR

43

ARTASHES KHACHATRYAN S. PE

AUTOHOUSE

44

KONSTANTIN GAVALAJYAN PE

DAV KAHUYQ

45

VERTICAL LUXE SYSTEM LLC

SHEN SHEM

46

ANI MARKOSYAN M. PE

ANI KAHUYQ

47

INTERFUR LLC

ASHLEY HOMESTORE

48

HRASHQ LLC

SHKAFF

49

HAKOB SARGSYAN GH. PE

50

KA AND KA Co.Ltd

KIT KAHUYQ

51

ARPANIV LLC

AUTOMAX

52

MK GROUP LLC

KAHUYQ

53

MAKSIM GIKINYAN PE

DUBAY

54

RED STORE LLC

RED STORE

55

ELSA LLC

ELSA

56

SVETA SEROBYAN PE

ALL CELL

57

SPORT CITY LLC

SPORT CITY

58

HAYR EV VORDI BEKNAZARYANNER LLC

VESTA PLUS

59

HANMAR LLC

FEDERAL

60

SMART ORANGE AM LLC

XIAOMI

61

SPORT LIFE LLC

SPORTLANDIA

62

SHTIGEN  LLC

SHTIGEN

63

MEGATOY LLC

MEGATOYS

64

MEGASPORT LLC

MEGASPORT

65

ANAHIT GEVORGYAN N. PE

SMART ELECTRONICS

66

PROFPANEL LLC

SOLARON

67

DAVIT MKRTCHYAN J. PE

VEGAS

68

VERSAL GROUP LLC

VERSAL

69

ALDIS LLC

ELEKTRON PLAZA

70

NORAYR SARGSYAN T. PE

LOUVRE

71

FREENERGY Co.Ltd

FREENERGY

72

NORAYR AND HRAYR BROTHERS PE

NORAYR AND HRAYR BROTHERS

73

AVETISYAN ARTUR ZH. PE

TAQ TUN

74

ANAHIT EVOYAN L. PE

VAHE ELEKTRONICS

75

TIGER GROUP LLC

REEBOK

76

DAVIT HOVHANNISYAN A. PE

SPITAK AMROC

77

FORTUNA TRADE Co.Ltd

FORTUNA TRADE

78

ROBEN LLC

BEKO ABOVYAN, TALIN

79

ELMARKET Co.Ltd

ELDORADO

80

INTERSERVICE MEK LLC

MEK

81

PLATFORM LLC

SMART ENERGY

Other Terms of Lending

 

օնլայն ապառիկ

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%
    • 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 23.01.2019, 14:13

Services for Individuals

  
HEAD OFFICE

2 Vazgen Sargsyan Street, Yerevan 0010,RA

Tel.: +37410 56 11 11

Fax: +37410 51 31 33

USA:

+1 888 802 5352

UK:

+448000903191

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