Express Leasing
My Ameria
Մոբայլ բանկինգ

Express Leasing

For businesses with up to AMD 750M annual turnover

Ameriabank offers Express Leasing to corporate clients for acquisition of property and equipment. It is approved maximum within 3 business days. No financial analysis required.
Express leasing is available also to newly founded businesses.

Benefits of Express Leasing

  • No financial analysis required
  • Decision on lending is made based on the credit history
  • Decision about lending is made within maximum 3 business days


Up to AMD 50 MLN or equivalent other currencies


Up to 5 years


50% value of the property

Terms and conditions


Requirements to the leased item



Leased item should be

·          new

·          acquired in the RA

·          acquired at primary market (from specialized vendors)


Eligible lessees

Legal entities or individual entrepreneurs


Down payment

50% of the leased item price

Advance payment to Principal: 50/50%

40% of the leased item price for Toyota and Lexus vehicles

Advance payment to Principal: 40/60%



Minimum and maximum limits of finance

Minimum over AMD 5 mn or equivalent amount in other currency
Maximum AMD 50 mn  or equivalent amount in other currency 


Annual nominal interest rate**



Annual percentage rate**


AMD: 12%-16%

USD: 8%-10%

EUR: 6%-9%

AMD: 13.12%-22%

USD: 8.73%-15.07%

EUR: 6.59%-13.95%


Accrual of interest

Interest accrues on outstanding amount of finance


Fee for provision of finance

0.5%-1% of the amount of finance


Lease term**

12 months to 5 years


Partial repayment of principal before due date

Lump-sum fee of 0.5% if the principal is repaid before due date during the first 12 (twelve) months after provision of finance


Non-payment or improper payment of principal and interest***

Fine in the amount of 0.13% of overdue principal and/or interest for each day of delay (breach of the due dates of liabilities)



Monthly, in accordance with the repayment schedule




·          Guaranty issued by the Lessee’s director/founder/other person

·          Pledge of property/right upon request



Required: obtained by the Lessee for the full value of leased item during the first year and for outstanding principal amount of finance in each subsequent year

* These terms do not apply to finance lease issued under the RA Law “On Consumer Crediting”.

** The rate and term of lease depend on the level of risk associated with the contract, type of property to be purchased and specifics of business.  Lease rate depends also on term of lease.

Maximum lease rate shall not exceed 24%.

*** Whenever applied, the maximum annual rate or aggregate amount of fines and/or penalties under the Agreement shall be within the limits defined under the legislation of the Republic of Armenia.



Updated on 02.12.2021 11:54