05.11.2020 The conditions offered for credit obligations provided by the announcement continue to apply until 31/01/21.
In addition to the previous one on 05.11.2020 of the announcement, we inform you that the proposed conditions for credit obligations provided by the announcement continue to apply until 31/01/21. in the following way:
Credit obligations of our clients included in the following groups are subject to review:
- Armenian citizens who were drafted or participated (on a voluntary or compulsory basis) in military operations, on the basis of this fact becoming available to the Bank in a reasonable manner (in the case of a reference issued by the military commissariat, the RA Ministry of Defense, the military commissariat or the Union of Earth Guard Volunteers or the Bank's assessment, in the presence of other valid documents ),
- citizens injured during military operations, on the basis of this fact becoming available to the Bank in a reasonable manner,
- Legal entities and individual entrepreneurs who actually carry out activities or are registered/registered in Artsakh, as well as natural persons with actual residence,
- Other natural and legal persons with a center of vital interests in Artsakh, individual entrepreneurs.
Let us inform you that for the above customers: 30/09/2020-30/12/2020 period, and for customers who participated in military operations/conscripted - from the beginning of the month of conscription until 12/30/2020. /including/, the accrual of interest, penalties, fines, service fees within the framework of credit (including credit line, overdraft), installment debt repayment (credit financing), leasing contracts is stopped (including by the natural persons mentioned in this proposal in the status of an individual entrepreneur According to the relevant contracts signed with the bank). Moreover, if the fact of military conscription or participation in military operations is not confirmed on the basis of the reference issued by the military commissariat, the RA Ministry of Defense or the Yerkhapah Volunteers Union, but in the opinion of the Bank, the authenticity of the information is verified on other grounds, then only the accrual of penalties and fines is stopped within the framework of the respective contracts of these customers. for the months in which there are overdue obligations under the given contracts from the previous period.
Credit (including credit line, overdraft), installment debt repayment (credit financing), leasing agreements are suspended for members of the immediate family of clients who are conscripted and participated in military operations (that is, father, mother, sister, brother, child, spouse). accrual of penalties and fines.
Those customers, as well as members of the immediate family of customers who have been drafted and participated in military operations (that is, father, mother, sister, brother, child, spouse), who at the time of review do not have overdue obligations or will only be overdue for the current month, will be granted credit (including credit line, overdraft), installment repayment of debt (credit financing), postponement of payment obligations under leasing contracts until 2021. January 31, if the obligation to be paid has not been settled or partially settled on the regular repayment day of the given month. Accordingly, the deadline for payment obligations will be extended by the number of months of payment delay (from 1 to 4 months). For overdrafts and lines of credit, the due date will only be extended if it expires. The unpaid principal amount within the specified period will be redistributed over the remaining repayment period, and the accrued interest will be carried over to the next repayment date. In cases where the accrual of interest/service charges continues, then:
Until 31.12.2020 in terms of accrued interest
The interest amounts calculated on the obligations under credit and leasing will be redistributed over the 6 months following the delay period, and if there is less than 6 months left to the repayment period, over the remaining repayment period,
Service charges calculated under installment financing will be moved to the last extended date on the repayment schedule.
31.12.2020 after accrued interest:
- interest calculated on the obligations under credit and leasing will be redistributed over the remaining repayment period following the deferment period,
- Service charges calculated under installment financing will be moved to the last extended date on the repayment schedule.
- If before the fact of participating in military operations/conscription becomes available to the Bank, the customer's interest payments/service fees and penalties have been repaid, then this amount will be directed either to the repayment of payable credit obligations, or to the early repayment of the principal amount of the loan or will be provided to the customer.
Let us add that the review of credit obligations is applied to individual and legal person/individual entrepreneur clients in the case of loans provided in the amount of up to 25 million AMD/equivalent foreign currency amount. In case of liabilities exceeding the specified threshold, please contact any branch of Ameriabank, in which case an individual approach will be shown to each borrower.
For details and additional information, you can call +374 10 561111.
The performance of actions aimed at the acceptance of this public offer (offer) or the fulfillment of the conditions defined by it shall be considered acceptance of all the conditions defined by this offer (offer).