Overdraft | Card loan | Apply online
My Ameria
ՆՈՐ
Մոբայլ բանկինգ
loan limit icon
AMD 100,000 -100 mln 1

Loan Amount

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Indefinite term (until requested back)*

Until the cancellation of the loan by the Bank, which may occur in accordance with the agreement, based on the results of the monitoring by the Bank

percentage-icon
13.79-23.13%

Actual interest rate

1In the case of loans provided by the scoring system. Maximum 10 million AMD.

Overdraft


We offer the card overdraft. There is no need to deposit cash in your card account beforehand. Just use the loan amount provided by the Bank. You may use your overdraft both for cash and non-cash payments. 

ADVANTAGES


Free cash withdrawal at Ameriabank ATMs

Low cash withdrawal fee for ATMs of both Ameriabank and other banks (as well as abroad)

The interest accrues only on used amounts.

There are no extra fees when applying online.

Advantages

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Get a response in 5 minutes

Submit your loan application online and get the response in 5 minutes.

online loan icon
The loan is provided online, no need to visit the bank

You may obtain the loan on your existing Ameriabank card (if any) or on a new card or account, without visiting the Bank1

1 Provided that you meet the requirements of the Bank and follow the defined procedure.

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Safe and Secure

Transactions with Ameriabank's cards are safe and secure. We are always at your side to ensure the security of your funds and data. For any questions about cards call us at +37410 56 11 11. We are available 24/7.

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Set your own PIN

If you want an easy to remember PIN, set it yourself via ATM. If your PIN has become available to third parties or you suspect so, you can change it for security reasons.

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Manage Your Accounts Without Visiting the Bank

Ameria Online and Mobile banking platforms and our phone banking services enable you to make transfers and payments, including loan payments, check your account and much more.

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USSD service

You may block your card, get information about your account balance, available services, latest operations anytime anywhere via USSD instructions.

Overdraft by Debit Card

You may use your overdraft both for cash and non-cash payments.

13.79-23.13%

Actual interest rate

Indefinite term (until requested back)

Loan term

AMD 100,000 -100 mln 1
1 In the case of loans provided by the scoring system. Maximum 10 million AMD.

Loan amount

3D card loan illustration

Overdraft by debit card secured by property

Overdraft by debit card secured by property is a convenient way to have available funds in case of unplanned expenses and unplanned purchases. These are credit funds provided to you by the Bank, which are available with a debit card.

18.39-23.42 %

Actual interest rate

Indefinite term (until requested back)

Loan term

AMD 1 mln -100 mln

Loan amount

3D umbrella illustration

How can I make repayments?

In the case of an overdraft, you should pay the interest accrued as of the payment date and 3% of the used amount, as specified in the account statement for the previous month or AMD 5,000, USD 10, EUR 10, whichever is greater, on a monthly basis. The nominal interest rate is calculated on a daily basis for the actual number of calendar days based on a 365-day year and applied to used amounts starting from the first day of withdrawal.

What is an online loan?

This service allows you to apply online for loans from AMD 100,000 (one hundred thousand) to AMD 10 (ten) million or equivalent in another currency (consumer loan, credit facility, or overdraft). No extra fee, collateral, or guarantee is required for online loans. If you have an active card issued by Ameriabank, you may receive the loan online, without visiting the Bank. Otherwise, in order to complete the process of executing the loan, you should visit any of Ameriabank’s offices within 7 calendar days upon the submission of the loan application and present your ID specified in the loan application and your PPSN/social card.

How does the bank determine the amount and interest rate of the loan?

Your loan, as well as the amount and interest rate of the loan, are approved based on your creditworthiness criteria.

How much will I pay monthly?

The amount of monthly installments depends on the type of loan, approved amount, interest rate, and maturity period. Note that the decision about the loan approval, as well as the amount and interest rate of the loan, are based on the criteria of your creditworthiness

Can I apply for an online loan if I have outstanding loans at other banks?

Outstanding loans in other banks are not an obstacle. The decision on the provision of the loan, as well as on the amount and interest rate of the loan, is made based on your creditworthiness criteria.

May I obtain a loan without visiting the Bank?

Yes, if you have an active card issued by Ameriabank. Once approved, the loan will be transferred to your account or card. There is no need to visit the Bank.
If you are not an Ameriabank cardholder, in order to complete the process of executing the loan, you will need to visit any of Ameriabank’s offices within 7 calendar days upon the submission of the loan application and present your ID specified in the loan application and your PPSN/social card.

What documents are required?

To apply for an online loan, you will need to specify your ID and social card/PPSN.

Is a collateral or a guarantee required when submitting an online loan application?

You may apply online only for loans not secured by collateral or guarantee. To apply for a secured loan, you should submit the loan application in the branch.

Is it mandatory to be an Ameriabank client for submitting an online loan application?

No, it is not necessary to be an Ameriabank client when applying for an online loan. After the has been approved, you will just need to visit any of the Bank’s offices in order to complete the process of executing the loan in just a few minutes.

How can I apply for an online loan?

Click here https://customer.ameriabank.am/signin to fill in the online loan application. Register as a user and enter your personal data, type of loan, requested amount, and currency. Visit https://www.youtube.com/watch?v=cwEiC_GkVxM to view the step-by-step guide on how to fill in the loan application.
If you fail to pay the minimum installment, the bank will charge a fee in the amount of AMD 5,000. For credit cards issued after January 2015, late payment penalties, as prescribed by the Retail Lending Terms and Conditions, will be applied instead of a lump-sum fee.

Card type1

 Arca Classic, Master Card Standard/VISA Classic 4

 Master Card Gold/VISA Gold, Ayo  Visa Gold,  Master Card Platinum/VISA Platinum,  Visa Signature     

 Purpose

Purpose

Payments, cash withdrawal

Client’s personal details

Eligible age of client/co-borrower/guarantor

18-65 years old, provided that the borrower's age at the time of expiry of loan agreement will not have exceeded 65, otherwise a co-borrower or guarantor is required. The eligible age of co-borrower or guarantor is 18-65 provided that at the time of expiry of agreement it will not have exceeded 65.
  If involvement of a co-borrower or guarantor is a required condition under loan terms (except where co-borrowers or guarantors possess at least 70% of income included in OTI calculation), the eligible age is 18-65 provided that at the time of expiry of agreement it will not have exceeded 65.

 Residency

Citizens and non-citizens of Armenia who are resident in Armenia

 

Maximum amount of total unsecured liabilities (including liabilities to other banks and credit organizations)

Where documented income is received through Ameriabank or where income is registered in Nork Informational and Analytical Center: 8x income or AMD 10 million, whichever is less.
Where documented income is received through other channels than Ameriabank or where income is not registered in Nork Informational and Analytical Center: 8x income or AMD 6 million, whichever is less.
Where there has been balance on accounts with Ameriabank within 6 months: 8x balance or AMD 6 million, whichever is less.

 Loan terms2

Currency

Armenian drams, US dollars, Euros

Minimum and maximum credit limits

 AMD: 300,000-100,000,000

USD: 1,000-100,000

 EUR: 1,000-100,000

Credit limit


 ● Where documented income is received through Ameriabank or where income is registered in Nork Informational and Analytical Center: 4x income or AMD 10 million, whichever is less.
● Where documented income is received through other channels than Ameriabank: 3x income or AMD 3 million, whichever is less; no guarantee required                                                                                                                                                   
● If based on the average daily balance on accounts with the Bank within 6 months: 3x of the lesser of the two (i) average 6-month daily balance and (ii) average daily balance of the last month, but up to AMD 3 million (average account balance should be at least AMD 100,000, applicable to those clients who have had accounts with Ameriabank for at least 3 months; where there are deposits, the deposit amount is counted only once)            
                                                                                           
Clients who have got a home loan from Ameriabank, may get approved for a credit limit without creditworthiness assessment and calculation of the x-fold of the documented income, in the amount not exceeding5:
AMD 500 thousand if the home loan is up to 10 AMD million
AMD 1 million if the home loan is AMD 10-25 million
AMD 1.5 million if the home loan is 25-35 million
AMD 2 million if the home loan amount is above 35 million

Increase of credit limit of card

AMD 5,000

Term (months)

Indefinite term (until requested back): until loan cancellation by the Bank, which may occur in accordance with the agreement, based on the results of the monitoring by the Bank

Interest rate

 AMD: 21%

AMD: 20%

 USD: 18%

 USD: 17%

EUR: from 16.5%

EUR: from 15.5%

If repayment schedule is differentiated or mixed, the applicable interest rate is increased by 0.5%.

 If the creditworthiness ratios deviate from the ratios approved by the internal regulations of the Bank, the applicable interest rate is increased by 0.25%.

 In case of other deviations, the interest rate may be increased by 0.25%.

Annual percentage rate (APR)3

AMD: 23.13 %

AMD: 21.92 %

 USD: 19.55 %

USD: 18.38 %

 EUR: from 17.79 %

EUR: from 16.64 %

Forms of repayment

Minimum payment required

3% of utilized amount as shown in the account statement, or AMD 5,000/USD 10/EUR 10, whichever is greater, plus accrued interest (not applicable to loans secured by cash/bonds and credit cards issued to Premium and Partner clients)

 Required documents

 Required documents

Required documents filed together with the loan application
• Loan application
• ID (original)

Documents required after initial approval
 • Proof of employment and/or other income
• Other documents as the bank's specialist may request

Other amounts payable

Early repayment fee

 N/a

 Late payment fines and penalties

The interest rate specified in the loan agreement will continue to be applied to overdue loans.
Fine in the amount of 0.13 % of overdue loan/interest for each day of delay

Other terms

Security

The Bank may request guarantee of individuals and/or companies as security.

*These terms have been previously known as Retail Lending Terms and Conditions under code 11RBD PL 72-03-01. Some of the Bank documents may contain references to these terms and conditions under the former name and code.

1 Card service and cash withdrawal fees are subject to Ameriabank CJSC Card Rates and Fees (11RBD PL 72-56, approved by Management Board Resolution # 02/20/15 dated July 29, 2015). Available at https://ameriabank.am/useful-links

2In case of applications for scoring-based loans or loans to workers of specific industries, other terms can be applied, in particular, minimum lending limit in the amount of AMD 100,000 can be set, 13%-21% interest rates can be applied for AMD-denominated loans, 13%-21% for loans in USD and 12.5%-21% for loans in EUR. The APR may be 13.79-23.15% in case of loans in AMD, 13.79%-23.15 % in case of loans in USD and 13.23%-23.15% in case of loans in EUR.

3The annual percentage rate (APR) may differ from the above specified values if there is any or a few of the following factors:
- When the borrower selects differentiated or mixed form of loan repayment
- If there are deviations from the creditworthiness criteria approved under the internal regulations of the Bank
- If there are other deviations

4USD and EUR-denominated limits with pre-defined schedule of payment are opened on MasterCard Standard/Visa Classic cards, which can have other terms than defined above, including a higher credit limit, lump-sum fee for provision of credit limit, zero fee for cash withdrawal, early repayment fines, interest rate starting from 12% for USD and from 10.5% for EUR, except for loans secured by cash.  If the customer pledges a car bought from a partner car dealer of the bank, the following interest rates apply: starting from 14% for USD-denominated loans, and from 12% for EUR-denominated loans.

5The line of credit/overdraft is approved by a person having relevant decision-making authorities to approve home loans. This service is available to the clients who don’t have a line of credit/overdraft.

 

Card type1

Arca Classic, Master Card Standard/VISA Classic3, Master Card ,Gold/VISA Gold, Ayo Visa Gold, Master Card Platinum/VISA Platinum, VISA Signature   

 Purpose

Purpose

Payments, cash withdrawal

Client’s personal details

 Eligible age of client/co-borrower/guarantor

 18-65 years old, provided that the borrower's age at the time of expiry of loan agreement will not have exceeded 65, otherwise a co-borrower or guarantor is required. The eligible age of co-borrower or guarantor is 18-65 provided that at the time of expiry of agreement it will not have exceeded 65.
  If involvement of a co-borrower or guarantor is a required condition under loan terms (except where co-borrowers or guarantors possess at least 70% of income included in OTI calculation), the eligible age is 18-65 provided that at the time of expiry of agreement it will not have exceeded 65.

Residency

Citizens and non-citizens of Armenia who are resident in Armenia

 Loan terms

 Currency

 Armenian drams, US dollars, Euros

 Minimum and maximum credit limits

 AMD: 1,000,000-100,000,000

 USD: 3,000-100,000

 EUR: 3,000-100,000

Increase of credit limit of card

 AMD 5,000

 Term (months)

 Indefinite term (until requested back): until loan cancellation by the Bank, which may occur in accordance with the agreement, based on the results of the monitoring by the Bank

Interest rate

 AMD: 17%

USD: 14%

 EUR: from 12%

Annual percentage rate (APR)2

AMD: 18.39-23.42 %

 USD: 14.95-18.01 %

EUR: 12.7-15.64 %

Other terms

 Where insurance of the collateral is obtained by the bank at the with of the client, the rate of interest will be increased by:
• 2.5% if the collateral is vehicle, or
• 0.5% if the collateral is plant and equipment.
Where the insurance of real estate is obtained by the client, the interest rate will be reduced by 0.05%, based on the share of each type of assets in the total collateral.

If repayment schedule is differentiated or mixed, the applicable interest rate is increased by 0.5%.

 If the collateral related ratios (loan-to-value ratio) deviate from those approved by the internal regulations of the Bank, the applicable interest rate is increased by 0.25%.

 If the creditworthiness ratios deviate from the ratios approved by the internal regulations of the Bank, the applicable interest rate is increased by 0.25%.

 In case of other deviations, the interest rate may be increased by 0.25%.

 If the loan is secured by cash or bonds issued by Ameriabank, the interest rate is equal to:
- Applicable interest rate for cash/bond + 4%, but in any case not more than the rates specified above, if the loan and the collateral are in the same currency
- Rates specified above, if the loan and the collateral are in different currencies

Where the client chooses a repayment option without early repayment fee for loans exceeding AMD 15 million, the interest rate is increased by 2% (not applicable to loans secured by cash/bonds).

Forms of repayment

 Minimum payment required

3% of utilized amount as shown in the account statement, or AMD 5,000/USD 10/EUR 10, whichever is greater, plus accrued interest
*Not applicable to loans secured by cash/bonds and credit cards issued to Premium and Partner clients

Security

 Eligible collateral

 Real estate, vehicles to the reasonable satisfaction of the bank, metal accounts in gold, cash and bonds issued by Ameriabank

Maximum loan-to-value (LTV) ratio (if the loan is secured by real estate, vehicles or plant and equipment, calculation is based on their liquidation value)

The value of the loan security will be included in the estimation of the LTV ratio in an amount not more than:
1. Real estate: 70% if in Yerevan, 60% if outside Yerevan
2. Vehicles: 60%
3. Property and equipment: 40%, but not more than 30% of the value of aggregate pledge
4. Metal accounts in gold with Ameriabank: 80%
5. Cash at Ameriabank/bonds issued by Ameriabank:
-90% if currency of the collateral is the same as of the loan
-70% if currencies of the collateral and the loan are different

Location of real estate to be pledged


Yerevan, regional centers of Armenia, towns where Ameriabank has branches, as well as Jrvezh, Arinj, Dzoraghbyur, Kasakh, Tsaghkadzor, Masis and Yeghvard        

Age of vehicles to be pledged

Max 12 years for foreign brand vehicles other than vehicles made in Russia, China and Iran, in which case max age is 8 years

Appraisal of the collateral

Pledged property to be appraised by an appraising partner of the Bank.

Vehicles to be appraised by an appraising partner of the Bank.

Additional security

 The Bank may request guarantees of individuals and/or companies as additional security.

Insurance of the collateral

Insurance of property


The insurance of real estate, vehicles and plant and equipment is maintained throughout the loan term:
1. If obtained by the client: at least to the extent of the credit limit
2. If obtained by the bank: to the extent of the credit limit
The bank does not obtain insurance for the following vehicles:
• Vehicles transporting hazardous materials (toxic substances, chemicals, radioactive and explosive  materials)
• Vehicles to be used in races, test drives; vehicles which have three wheels, snow removers, motorcycles, special purpose vehicles
 • Taxis and rental cars

Other amounts payable

Early repayment fee

 5% of prepaid amount, chargeable if the loan is prepaid, whether in whole or in part, during the first 3 years of the loan term. Applicable to full prepayment of credit limits exceeding AMD 15 million. Not applicable to loans secured by cash or bonds.

 Late payment fines and penalties

 The interest rate specified in the loan agreement will continue to be applied to overdue loans.
Fine in the amount of 0.13 % of overdue loan/interest for each day of delay

Required documents

Required documents

Required documents filed together with the loan application

• Loan application

• ID [original]

 • Certificate of ownership of property to be purchased/pledged [copy]

Documents required after initial approval

 • Proof of employment and/or other income

 • Marriage (divorce, spouse death), birth certificate (original)

• Certificates of registration and ownership certificates of vehicles to be pledged (original)

• Certificate of title to real estate to be pledged (original)

• Geodetic measurement report of land plot to be pledged4

• Initial report on appraisal of real estate/vehicle

 Documents required after loan approval

• Copies of bases of title to real estate (to be submitted upon request)

• IDs of owners of property to be purchased/pledged [originals]

• Copies of marriage (divorce, spouse death) certificates of owners of property to be pledged

• Statement from the State Committee of Real Estate Cadaster on encumbrance of real estate (unified statement)

• Statement, issued by the Police, on encumbrance of vehicle

• Real estate appraisal report (final)

• Real estate/vehicle insurance policy

• Other documents as the bank's specialist may request

 Other terms

Other fees payable by the client


 • Fee for unified statement from the State Committee of Real Estate Cadaster of the Government of the Republic of Armenia
• Fees for notarization of pledge (real estate or vehicle) and filing of the bank’s security interest under pledge agreement
• Fee for statement from the Police on encumbrance of vehicle

*These terms have been previously known as Retail Lending Terms and Conditions under code 11RBD PL 72-03-01. Some of the Bank documents may contain references to these terms and conditions under the former name and code.

1 Card service and cash withdrawal fees are subject to Ameriabank CJSC Card Rates and Fees (11RBD PL 72-56, approved by Management Board Resolution # 02/20/15 dated July 29, 2015). Available at https://ameriabank.am/useful-links

2The annual percentage rate (APR) may differ from the above specified values if there is any or a few of the following factors:
- When the property insurance is obtained by the Bank at the customer’s request
- When the borrower selects differentiated or mixed form of loan repayment
- If there are deviations from the creditworthiness criteria approved under the internal regulations of the Bank
- If additional property is pledged as collateral
- If there are other deviations

3USD and EUR-denominated limits with pre-defined schedule of payment are opened on MasterCard Standard/Visa Classic cards, which can have other terms than defined above, including a higher credit limit, lump-sum fee for provision of credit limit, zero fee for cash withdrawal, early repayment fines, interest rate starting from 12% for USD and from 10.5% for EUR, except for loans secured by cash.  If the customer pledges a car bought from a partner car dealer of the bank, the following interest rates apply: starting from 14% for USD-denominated loans, and from 12% for EUR-denominated loans.

4 Geodetic measurement is required for any land other than fenced plots or grounds attached to house, if:
- Client has applied for a loan above AMD 50 million, and
- Share of credit limit to be secured by such land plot exceeds 30% of total available credit limit.  For the purposes of this document total available credit limit means the sum of all loan proceeds made available to client by decision of the bank’s authorized body within acceptable LTV ratio and subject to disbursement at the given moment.

 

Property appraisal

The real estate or movable property to be pledged should be appraised by an appraisal company cooperating with the Bank. The company is selected by the client from the offered list. Appraisal fee: AMD 13,000-30,000* depending on the property.


In addition, the client will pay for the following services:

  • Notary fee: AMD 14,000-16,000 lump-sum (in case of vehicles)
  • Notary fee: AMD 13,000-18,000 lump-sum (in case of real estate)
  • Fee for unified statement from the State Real Estate Cadaster on encumbrance of the property: AMD 10,000
  • Fee for registration of security interest in the real estate: AMD 26,000
  • Fee of the Police of the Republic of Armenia (for lien and pledge of movable property): AMD 5,000 lump sum


Գրավադրվող գույքի ապահովագրություն

Գրավադրվող գույքի ապահովագրությունն իրականացվում է յուրաքանչյուր տարի վարկի ամբողջ ժամկետի ընթացքում, Բանկի կողմից`  վարկի մնացորդի չափով, Հաճախորդի կողմից`  առնվազն վարկի մնացորդի չափով: Բանկի կողմից ապահովագրության ենթակա չեն հետևյալ տրանսպորտային միջոցները`

  • ավտոմեքենաներ, որոնք կրում են վտանգ սպառնացող ապրանքներ`  տոքսիկ նյութեր, քիմիկատներ, ռադիոակտիվ և պայթյունավտանգ նյութեր,
  • ավտոմեքենաներ, որոնք կմասնակցեն մրցույթներին, փորձարկումներին կամ ունեն երեք անիվ, ձնեմաքրող մեքենաներ, մոտոցիկլետներ, հատուկ տեխնիկա հանդիսացող մեքենաներ,
  • տաքսի ծառայության և վարձով տրվող ավտոմեքենաներ:

Անշարժ գույքի համար ապահովագրավճարը կազմում է վարկի գումարի 0,15-0.2 տոկոսը, սարքավորումների համար ապահովագրավճարը կազմում է վարկի գումարի 0.2-0.35 տոկոսը, շրջանառու միջոցների համար ապահովագրավճարը կազմում է վարկի գումարի 0.3-0.5 տոկոսը, ավտոմեքենաների համար ապահովագրավճարը սկսվում է վարկի գումարի 2,5 տոկոսից: Վերոնշյալ սակագները կարող են փոփոխվել կախված շուկայի իրավիճակից:

The bank can issue a card line of credit to the borrower under the following terms:

Currency

Interest rate

Credit limit/Deposit principal (LTV) [1]

Same as deposit currency

Deposit rate + 4%

Up to 90%

Other than deposit currency

According to the tariffs for credit lines via cards

Up to 70%

[1] The deposit principal used for calculation of the ratio does not include the interest accrued at the beginning of the term.

Any overdue liabilities on the credit card shall be charged to the deposit principal without prior notice. 

Overdraft by Debit Card

Required documents filed together with loan application

  • Loan application
  • ID (original)

Documents required after initial approval

  • Proof of employment and/or other income
  • Other documents as the bank's specialist may request

Overdraft by debit card secured by property 

Required documents filed together with loan application

  • Loan application
  • ID (original)
  • Certificate of ownership of property to be purchased/pledged (copy)

Documents required after initial approval

  • Proof of employment and/or other income
  • Marriage (divorce, spouse death), birth certificate (original)
  • Certificates of registration and ownership certificates of vehicles to be pledged (original)
  • Certificate of title to real estate to be pledged (original)
  • Geodetic measurement report of land plot to be pledged**
  • Initial report on appraisal of real estate/vehicle
  • Other documents as the bank's specialist may request

Documents required after loan approval

  • Copies of bases of title to real estate (to be submitted upon request)
  • IDs of owners of property to be purchased/pledged (originals)
  • Copies of marriage (divorce, spouse death) certificates of owners of property to be pledged
  • Statement from the State Committee of Real Estate Cadaster on encumbrance of real estate (unified statement)
  • Statement, issued by the Police, on encumbrance of vehicle
  • Real estate appraisal report (final)
  • Real estate/vehicle insurance policy
  • Other documents as the bank's specialist may request

Ելնելով տարաբնույթ հանգամանքներից կարող են պահանջվել լրացուցիչ փաստաթղթեր և տեղեկատվություն: Բանկը «Փողերի լվացման և ահաբեկչության ֆինանսավորման դեմ պայքարի մասին» ՀՀ օրենքով սահմանված հաճախորդի պատշաճ ուսումնասիրության նպատակով կարող է քեզնից «Ճանաչիր քո հաճախորդին» («Know your customer») սկզբունքի հիման վրա պահանջել լրացուցիչ փաստաթղթեր կամ այլ տեղեկություններ, ինչպես նաև բանավոր հաղորդակցման ընթացքում լրացուցիչ հարցեր տալ:

Purpose

AMD

Modification of the loan terms

15,000

Change of the loan repayment date

5,000

Substitution of pledged property (for real estate; including change of the property owner)

10,000

Substitution of pledged property (for vehicles; including change of the owner of the pledged vehicles)

5,000

Provision of pledge-related consents, permissions and references

5,000 (VAT included)

The fee is charged if the modification is requested by client. Where there are several applicable fees for the same modification, the highest fee is charged and only once. Fees are not applicable in case of loans secured by cash, bonds and metal accounts. If the modification implies adding new pledge or involving a new guarantor, no fee is charged.

Overdraft by Debit Card


ATTENTION! “YOUR FINANCIAL DATABASE” IS AN ELECTRONIC SYSTEM AIMED AT FACILITATING SEARCHING AND COMPARISON OF THE SERVICES OFFERED TO INDIVIDUALS AND MAKING THE CHOICE EASIER FOR YOU.



Overdraft by debit card secured by property


 ATTENTION! “YOUR FINANCIAL DATABASE” IS AN ELECTRONIC SYSTEM AIMED AT FACILITATING SEARCHING AND COMPARISON OF THE SERVICES OFFERED TO INDIVIDUALS AND MAKING THE CHOICE EASIER FOR YOU.

Overdraft by Debit Card

Overdraft by debit card secured by property

Credit line

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A line of credit enables you to have the necessary amount at hand. No more contingencies and unplanned purchases!

Consumer loan

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Consumer lending is a good choice if you are planning to make purchases or payments in cash and repay the loan in equal monthly installments.

Consumer finance

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We offer a quick and convenient option for purchasing household appliances, computer equipment, smartphones, mobile devices, furniture, and other goods for everyday life.

Last updated on 16.08.2022, 10:46