For Individual Clients

Annual Percentage rate


Annual Percentage rate

1. The annual percentage rate is calculated as per the following formula:



i – annual percentage rate (APR)
A – loan principal
n – sequence number of the repayment
N – sequence number of the last repayment
Kn – amount of the “n” repayment
Dn – number of days from the disbursement date up to the date of the “n” payment
The annual percentage rate “i” may be calculated, if the other data of the equation are available from the loan agreement or another source.
Interests accrue on outstanding loan.
ATTENTION! The bank may change the interest rate at any time depending on the volatility of the interest rates on the funds borrowed and/or allocated by the bank in the financial market, and/or occurrence of preconditions in the financial market for the change in the interest rates.  The bank issues a respective notice to the borrower at least 7 days in advance via the channels specified in the agreement, which will serve as a basis for applying the new interest rate from the date specified in the notice.  If not consenting to the new interest rate, the borrower has the right to terminate the agreement by fulfilling the liabilities thereunder as of the date of termination.

Updated 03.05.2013, 16:19

Services for Individuals


2 Vazgen Sargsyan Street, Yerevan 0010,RA

Tel.: +37410 56 11 11


+1 888 802 5352



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