|
|
INDIVIDUAL consumer microloan FAST
400,000 - 5,00,000 AMD
3 - 60 months term
Including a 5-month grace period
without a pledge
If you need money
• to meet consumer needs,
and you can provide a certificate from your or guarantor's workplace, then "KAMURJ" CJSC UCO offers you a loan with the following conditions:
Loan Disbursement Conditions
| Indicators |
Limits |
| Borrowers |
Registered employees |
| Customer Requirements |
• The total number of overdue days for the customer’s active and repaid loans over the past 12 months must not exceed 60 days, and over the past 3 months must not exceed 10 days.
• The customer’s ACRA credit report must not contain five (5) or more “New Credit Application” records within the past one month. Multiple “New Credit Application” inquiries made on the same day shall be considered as a single inquiry, regardless of the bank, number, or type of inquiries.
|
| Age limitation |
18 - 70 years old |
| Loan amount |
400,000 - 5,000,000 AMD |
|
Annual interest rate
|
24% |
|
Annual factual interest rate
|
37.50% - 40.16% |
| Loan maturity |
3 - 60 months term |
|
Loan grace period (when only theloan interest and service fees are paid)
|
Up to 5 months |
|
Repayment
|
• Annuity (equal monthly payments)
• Equal monthly payments of the loan amount
|
| Monthly servicing fee |
0.5% of the balance of the calculated loan amount |
| Lending territory |
The Republic of Armenia |
| Applicable penalties |
Overdue loan amount and overdue interest rates 0.12% per day (maximum 90 calendar days)
|
| Maximum term of loan approval |
Within 10 minutes after presentation of all the required documents |
| Maximum length of loan granting |
Within 2 hours after presentation of all the required documents |
| Loan security measure |
Reference from the workplace, as well as, depending on the loan amount, at least 1 voucher (employees registered minimum 3 months) |
*Loan Amount
|
Gross Salary (AMD)
|
Without a guarantee
|
With the guarantee of one person, who may be a related party
|
1 guarantee with low salary class
|
1 guarantee with the same or high salary class
|
2 guarantees with low salary class
|
2 guarantees, 1 person with low salary class, the 2nd with the same or high salary class
|
2 guarantees with the same or high salary class
|
| Uo to 100,000 |
0 AMD |
400,000 AMD |
600,000 AMD |
800,000 AMD |
720,000 AMD |
880,000 AMD |
960,000 AMD |
| 100,001-150,000 |
0 AMD |
500,000 AMD |
750,000 AMD |
1,000,000 AMD |
900,000 AMD |
1,100,000 AMD |
1,200,000 AMD |
| 150,001-200,000 |
0 AMD |
600,000 AMD |
900,000 AMD |
1,200,000 AMD |
1,080,000 AMD |
1,320,000 AMD |
1,440,000 AMD |
| 200,001-300,000 |
0 AMD |
800,000 AMD |
1,200,000 AMD |
1,600,000 AMD |
1,440,000 AMD |
1,760,000 AMD |
1,920,000 AMD |
| 300,001-400,000 |
0 AMD |
1,000,000AMD |
1,500,000 AMD |
2,000,000 AMD |
1,800,000 AMD |
2,200,000 AMD |
2,400,000 AMD |
| 400,001-500,000 |
1,250,000 AMD |
0 AMD |
2,125,000 AMD |
2,500,000 AMD |
2,250,000 AMD |
2,750,000 AMD |
3,000,000 AMD |
| 500,001 and more |
1,700,000 AMD |
0 AMD |
3,400,000 AMD |
4,080,000 AMD |
3,740,000 AMD |
4,760,000 AMD |
5,100,000_AMD |
Required documents
List of Required Documents for Obtaining a Consumer Loan
ATTENTION: The Actual annual interest 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 the annual interest rate by pressing here 8/01
ATTENTION: If you do not perform your whole liabilities within the prescribed time, the information about you will be recorded in the Credit Register of the Central Bank of Armenia by the creditor.
ATTENTION: The number of loan applications submitted by a Client may have a negative impact on his/her credit rating.
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.
Prices of additional services
|
