Consumer loans

Loan Calculator

Annuity Reducing

Lombard credit Suitable

20,000-2 million AMD

from 19.7%

up to 36 months

In 20 minutes


If You need money urgently


     to meet consumer needs,


and You can pledge golden things or gold, then “Kamurj “ UCO CJSC offers You a Gold pledge loan with the following conditions:


Loan Disbursement Conditions


 Borrower (s)

RA citizen (s) and RA resident individual (s)
 Age limitation 18-70
 Loan amount 20,000-2,000,000 AMD


In case of discount for 3 months 


Annual interest rate

19.7% 20.8% 19.7% 20.8% 19,8%

Loan repayment term

Up to 6 months









 Loan / collateral ratio

100% 97% 95% 95% 100%
 Granting fee  0.7%   
 Payment mode Loan principal repayments at the end of the loan agreement term,

Interest payments:

 Discount (at lending time)


Equal (annuity) repayments of loan amount and interest rates

 Loan_servicing_monthly_fee Free of charge   
 Loan application review_fee Free of charge   
 Gold Assessment Fee

 2,000 AMD up to 200,000 AMD loan

 3,500 AMD in case of 200,001-500,000 AMD loan

 5,500 AMD in case of 500,001-1,000,000 AMD loan

 7,500 AMD in case of 1,000,001-2,00,000 AMD loan

 Granting mode

With AMD, cash and  lump-sum

 Lending territory Territory of RA   
 Early payment penalty The borrower should pay accrued interests and penalties (if any) until the early payment date   
Applicable penalties Overdue loan amount and overdue interest rates 0.12% per day (maximum 90 calendar days)

 No other person's warranty is required,
 Withdrawn Loans: additional discounts for months are made maximum with 6 months period,
Custody is free for 2 months, but for further custody 1000 AMD per month is charged,
 When transferring Lombard loans from other banks provision fee is not charged,
 The following gold categories are acceptable: 375, 500, 583, 750, 875, 900, 958, 999

Maximum term of loan approval 20 minutes 
Maximum length of loan granting

20 minutes 


  Necessary requirements for Borrowers 


• Up to 200,000 AMD loan, ACRA request is not made,
 In case of loans, exceeding AMD 200,000, the borrower's credit risk class is acceptable until the doubtful class,
 The Borrower may not have a credit history.

 List of Required Documents

•  Passport and/or Identification card, and Social card

  In case of loans exceeding 200,000 AMD, Application form (agreement of making a request from ACRA systems is included)

Actual Annual interest rate 

ATTENTION: Annual real rate shows how much the loan will cost to you after paying the interest rate and other payments in defined deadlines and amounts. You can find the calculation order of annual real interest rate in following address  


ATTENTION: If you do not perform your whole liabilities within prescribed time, the information about you will be recorded in the Credit Register of the Central Bank of Armenia by the creditor.

WARNING: Your assets (house, car, etc.) may be confiscated if you do not make payments of interest and credit amount within the prescribed time as well as other regulations specified in the agreement between you and the “Kamurj” company.