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

 

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

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

SMILE PRICE

12

VOSKE AREV LLC

220 VOLT

13

MEDIA EXPERT LLC

14

DARF LLC

METS ANIV

15

VENUS EL LLC

VENUS

16

ASTGHIK ARZUMANYAN PE

ASKAT MOBILE

17

VEON ARMENIA CJSC

BEELINE

18

MASTERPHONE 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

PIXELS LLC

PIXEL

25

VALENSIA JV LLC

KLAIK

26

BL LLC

BL

27

GBU LLC

BEKO(VANADZOR)

28

GSA LLC

GSA ELECTRONICS

29

MOBLIOS LLC

HUAWEI

30

NEW FLY LLC

PLASMA ELECTRONICS

31

RINO LLC

METS ANIV (GHARABAGH)

32

SHAH LLC

REZON

33

SBS LLC

SBS

34

TECHNICAT LTD

Z-MIX

35

MOBILE-IQS LLC

XTECHNX

36

OSCAR ELECTRONICS LLC

ELDORADO, BEKO (GYUMRI)

37

SIGMA ELECTRONICS LLC

SIGMA ELECTRONICS

38

NAREK HOVSEPYAN PE

TSIATSAN

39

HAYK GRIGORYAN G. PE

PC ELECTRONICS (ETCHMIATSIN)

40

ELEN GHUSHCHYAN L. PE

PC ELECTRONICS (ASHTARAK)

41

ARTUR KHACHATRYAN PE

DECOR

42

ARTASHES KHACHATRYAN S. PE

AUTOHOUSE

43

KONSTANTIN GAVALAJYAN PE

DAV KAHUYQ

44

VERTICAL LUXE SYSTEM LLC

SHEN SHEM

45

ANI MARKOSYAN M. PE

ANI KAHUYQ

46

INTERFUR LLC

ASHLEY HOMESTORE

47

HRASHQ LLC

SHKAFF

48

HAKOB SARGSYAN GH. PE

49

KA AND KA Co.Ltd

KIT KAHUYQ

50

ARPANIV LLC

AUTOMAX

51

MK GROUP LLC

KAHUYQ

52

MAKSIM GIKINYAN PE

DUBAY

53

RED STORE LLC

RED STOR

54

ELSA LLC

ELSA

55

SVETA SEROBYAN PE

ALL CELL

56

SPORT CITY LLC

SPORT CITY

57

HAYR EV VORDI BEKNAZARYANNER LLC

VESTA PLUS

58

HANMAR LLC

FEDERAL

59

SMART ORANGE AM LLC

XIAOMI

60

SPORT LIFE LLC

SPORTLANDIA

61

SHTIGEN  LLC

SHTIGEN

62

MEGATOY LLC

MEGATOYS

63

MEGASPORT LLC

MEGASPORT

64

ANAHIT GEVORGYAN N. PE

SMART ELECTRONICS

65

PROFPANEL LLC

SOLARON

66

DAVIT MKRTCHYAN J. PE

VEGAS

67

VERSAL GROUP LLC

VERSAL

68

ALDIS LLC

ELEKTRON PLAZA

69

NORAYR SARGSYAN T. PE

LOUVRE

70

FREENERGY Co.Ltd

FREENERGY

71

NORAYR AND HRAYR BROTHERS PE

NORAYR AND HRAYR BROTHERS

72

AVETISYAN ARTUR ZH. PE

TAQ TUN

73

ANAHIT EVOYAN L. PE

VAHE ELEKTRONICS

74

TIGER GROUP LLC

REEBOK

75

DAVIT HOVHANNISYAN A. PE

SPITAK AMROC

76

FORTUNA TRADE Co.Ltd

FORTUNA TRADE

77

ROBEN LLC

BEKO (ABOVYAN, TALIN)

78

ELMARKET Co.Ltd

ELDORADO

79

INTERSERVICE MEK LLC

MEK

80

PLATFORM LLC

SMART ENERGY

81

NOTESTORE LLC

NOTEBOOKCENTRE

82

ARTUR YAYLOYAN PE

SALIKNERI ASHKHARH

83

DPH-DENTAL LLC

DPH DENTAL

84

NUGA HOUSE LLC

NUGA HOUSE

85

ALIK GRIGORYAN H. PE

IMAGE CODE

86

AGA-GROUP LLC

KAHUYQI ASHKHARH

87

COMFORT R AND V LLC

R AND V COMFORT

88

MAYDAV LLC

VLV (KAPAN)

89

AGEVART LLC

VLV (ARMAVIR)

90

MUSHEGH HOVHANNISYAN L. PE

ARGAVAND KAHUYQ

91

MGRDICH BOYADJYAN PE

BOYADJIAN DENTAL CLINIC

92

ARTASHES AVAGYAN H. PE

BASRA

93

SAHAK HOVHANNISYAN V. PE

ARMALIS

94

ARAKSYA SIMONYAN G. PE

95

VAHAN MARGARYAN H. PE

96

ARSEN GASPARYAN H. PE

GYUGHTEKHNIKA

97

LENA GHUKASYAN A. PE

ELENA

98

BESTSHOP LLC

BEST SHOP

99

SHANT AKULYAN KH. PE

BEKO (ARTIK)

100

SHINCAPITAL HOME LLC

BRIGHT HOUSE

101

ANI DENT LLC

ANI DENT DENTAL CLINIC

102

BORIS BAGHDASARYAN A. PE

DESIGNO

103

MARIAM BAGHDASARYAN A. PE

104

ARMAN HOVHANNISYAN M. PE

GARANT

105

DSA LLC

BEKO (APARAN)

106

SONET Co.Ltd

SONET

107

GAPEX LLC

GAPEX

108

HMAYAK O. STEPANYAN PE

LEADER

109

TIGRAN GEVORGYAN A. PE

ALEX DECOR

110

GAR GRIG LLC

TSIATSAN

111

Z S TOP Co.Ltd

SKILL AM

112

SERGEY CJSC

KHACHEN

113

PLAZMA VAN LLC

PLASMA ELECTRONICS

114

ELZONE LLC

ELZONE

115

ARAYIK MARTIROSYAN PE

BEKO (KAPAN)

116

FULL HOUSE MARKET LLC

FULL HOUSE MARKET

117

DV INVEST LLC

ECO STEP

118

SUSANNA TOPLAGHALTSYAN PE

ADAS

119

HOUSE OF BEER EQUIPMENT LLC

GAREJRAYIN SARQAVORUMNERI TUN

120

HAYK HASRATYAN P. PE

MONIKA KAHUYQI SRAH

121

CHO KO CRIBS LLC

Woolic Cribs

122

NAIRI PARSYAN M. PE

KAHUYQ

123

AGAPI SHMAVONYAN PE

BEKO (ARMAVIR)

124

HUSIK HOVHANNISYAN T. PE

ARMADA MALL

125

NIKKAR LLC

VESTA (MARTUNI)

126

LIA-K GROUP LLC

LIA CERAMICS

127

ARMEN AND ANUSHIK LLC

VESTA (EGHEGNADZOR)

128

HOVHANNISYAN ARSHAK V. PE

RESULT

129

LEVEL-S Co.Ltd

LEVEL S

130

ZHARANGORD AK

ZHARANGORD

131

BARSEGHYAN ARA S. PE

NATURALGAS

132

RENEWABLE COCKASS CORPORATION LLC

SUNNY CITY

133

ISLUS LLC

ISLUS

134

AR. LEO LLC

AR LEO

135

JULIAR LLC

VLV (SEVAN)

136

MELANTES Co.Ltd

WALL DECO

137

IM DAVO LLC

BEKO (SEVAN)

138

VANMETAGHAR LLC

KAHUYQ

139

HOVAKIMYAN ARAYIK N. PE

BEST ELECTRONICS

140

MARIAM GHARIBYAN A. PE

SHADE

141

SERYOZHA HARUTYUNYAN N. PE

KAHUYQ

142

RGR LLC

BEKO (VARDENIS)

143

ANZHELA GHARIBYAN S. PE

PC MOBILE

144

LUXURY GARDEN LLC

LUXURY GARDEN

145

AUTRE LLC

AUTRE

146

LUSINE HOVSEPYAN PE

KARGIN SHINANYUT

147

TOP-TECH LLC

TOP FLOOR

148

MELISA LLC

MELISA

149

ZOHRAB KIRAKOSYAN R. PE

BEKO (IJEVAN)

150

HRACHYA BABAYAN W. PE

BEKO (ETCHMIATSIN)

151

ARAM AGHEKYAN B. PE

YAFERRARI

152

M-ELECTRONICS LLC

ELHOUSE

153

SOLAR GROUP LLC

SOLAR GROUP

154

EDGAR AND NAZELI LLC

OJAKH

155

OPTIMUM ENERGY LLC

OPTIMUM ENERGY

156

BRABION FLORA SERVICE LLC

ABIO HIPERMARKET

157

SARIBEK GHAZARYAN A. PE

MS KAHUYQ

158

TOR LLC

SARD

159

BMS LLC

BMS

160

VELHOFF LLC

VELHOFF

161

SOLAR ENERGY SYSTEM SOLUTIONS LLC

SOLARESS

162

YEPREMYAN AMATUNI W. PE

ЕПРЕМЯН АМАТУНИ В. ЧП

163

ASHOT POCHIKYAN PE

DIP GAS

164

SARIMAN MAMAJANYAN PE

VIYANA

165

SHINMOL LLC

SHINMOL

166

MANUK GHAZARYAN A. PE

MK KAHUYQ

167

ARAKELYAN ELEN A. PE

I PLUS

168

NORIK HAKOBYAN H. PE

KAHUYQ

169

BEST GROUP LLC

LIDERIA, CERAMIC CITY

170

VILLAMO LLC

VILLAMO

171

VAHAGN EVINYAN A. PE

HI FI

172

NEJDIK TER-ABRAHAMYAN A. PE

WEST ABOVYAN

173

SUSANNA GHAZANCHYAN Y. PE

174

HAYR EV VORDI ASATRYANNER LLC

AG MOBILE

175

REZON LLC

REZON

176

OTARYAN GARIK I. PE

BABY TOYS

177

VLV LLC

VLV STEPANAKERT

178

YEGHIAZARYAN HAYK T. PE

L AND R

179

GHAZARYAN VAN PE

VAN AND ARMAN

180

ARMAN MURADYAN A. PE

BAROCCO

181

GLOBAL BEAUTY LLC

GLOBAL BEAUTY

182

ELOYAN RUBEN PE

DIMOND

183

GRIMAR GROUP LLC

BEST ELECTRONICS

184

HAKSIL LLC

HAKSIL

185

KHOJOYAN SUREN A. PE

JAHERI TUN

186

LIGHTING LLC

LUYS

187

GHAZARYAN HAYK A. PE

YOUR HOLIDAY

188

HRANT GRIGORYAN LLC

TEKHNO STOR

189

LIVINGS LLC

LIVINGS

190

ECOVILL LLC

ECOVILL

191

HEGHINE YEGHIAZARYAN O. PE

TEKHNIKA

192

ARMINE TSATURYAN V. PE

MANE KAHUYQ

193

NELLI VOSKANYAN A. PE

TH MOBILE

194

ARAYIK HOVSEPYAN E. PE

TEKHNO HOUSE

195

ARSEN GRIGORYAN B. PE

196

GOR KARAMYAN S. PE

MIX ELEKTRONICS

197

GAYELLAS LLC

ELLA KAHUYQ

198

VMH LLC

SALMAST

199

EVROSTAN-UYUT LLC

EVROSTAN UYUT

200

WATCH WORLD LLC

CHRONOGRAPH

201

HRASHK AYGI LLC

HRASHQ AYGI

202

MULTI SOLAR LLC

MULTI SOLAR

203

PLASMA 99 LLC

PLAZMA 99+A190A192:C206

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 01.08.2019, 15:21

Services for Individuals

  
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