Consumer loans

Loan Calculator










Annuity Reducing

INDIVIDUAL consumer loan in CASH

Up to 1,500,000 AMD

With 24 months term

Including a 2-month grace period

without a pledge


If you need money for your individual needs and you can present income statement from the employer or guarantors then “Kamurj” UCO CJSC provides you loans with  the following conditions

 

Version 1: list of taxpayers issued by the authorized statebody  (http://www.taxservice.am/Content.aspx?itn=TILists)occupying the first 1,000 places or urban communities and  companies paid by the state budgets

Version 2: employees of other organizations that are not included in the list of the first version (workers  that are registered at least  6 months)

Version 3: for those borrowers presenting   their income derived from  other  sources and  who are not included in the first and second versions

   

The number of the  expired days of the client’s/guarantor’s  current loans and the loans repaid  during the  last 12 months must  not  exceed  45 days, and  during the last 3 months 20 days, meanwhile   maintaining  credit  limits   established by the  credit policy which are classified in  the  terms of  the  clients  and guarantors.

 

Versions

VERSION 1

 List of taxpayers issued by the authorized state body (http://www.taxservice.am/Content.aspx?itn=TILists) occupying the first 1,000 places or urban communities and companies paid by the state budgets

 

Loan Disbursement Conditions

Indicators  Limits

Borrowers

(employees registered at least 6 months  )

List of taxpayers issued by the authorized state body (http://www.taxservice.am/Content.aspx?itn=TIListsoccupying the first 1,000 places or urban communities and  companies paid by the state budgets

(RA citizen (s) and RA resident individual (s))

Age limitation Borrowers’ age at the moment  of applying must be 20-65
Loan amount Up to 1,500,000 AMD 
Annual interest rate 24% 
Loan maturity   With 24 months term

Loan grace period (when  only theloan interest and service fees  are paid)

2-month grace period

Loan providing fee

4.8 % (lump-sum)

Repayment

Monthly equal payments (annuity)
Monthly servicing fee 1000 AMD 
Cash withdrawal fee Free
Loan application reviewfee 1000  AMD 
Disbursement method With AMD, cash, lump-sum
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 20 minute 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 6 months)

 

*Loan Amount

N  Gross    salary (before tax) (AMD)

Maximum amount of loan

without a  voucher /guarantee

 

(a)
Maximum amount of loan with 1 voucher (A worker included in the list of  the 1st version with a low  salary class)  Maximum amount of loan with  1 voucher (A worker included in the list of  the 1st version with the same or  a  high salary class) Maximum amount of loan with 1 voucher (A worker of the 2nd Version with a low wage class) Maximum amount of loan with 1 voucher (A worker of the 2nd Version with the same or a high wage class)
1. Uo to 100,000  400,000 AMD 520,000 AMD 600,000 AMD 480,000 AMD 560,000 AMD
2. 100,001-150,000  500,000 AMD 650,000 AMD 750,000 AMD 600,000 AMD. 700,000 AMD
3. 150,001-200,000  600,000 AMD 780,000 AMD 900,000 AMD 720,000 AMD 840,000 AMD
4. 200,001-300,000  700,000 AMD 910,000 AMD 1,050,000 AMD 840,000 AMD 980,000 AMD
5. 300,001-400,000  800,000 AMD 1,040,000 AMD 1,200,000 AMD 960,000 AMD 1,120,000 AMD
6. 400,001 and more  1,000,000 AMD 1,300,000 AMD 1,500,000 AMD 1,200,000 AMD 1,400,000 AMD


Required documents

     1.  Application  form 

     2.  Reference from the workplace (specifying  the period of work) 

     3.  Passport and Social card /Identification card, if available/
     4.  For the guarantor the required documents are the same  as mentioned in the 2nd and 3rd points and  a consent of request with  ACRA/ NORK systems

 

 

VERSION 2

Employees of the other organizations that are not included in the list of 1st Version (employees registered minimum 6 months)

 

Loan Disbursement Conditions

Indicators  Limits

Borrowers

(employees registered at least 6 months  )

List of taxpayers issued by the authorized state body (http://www.taxservice.am/Content.aspx?itn=TIListsoccupying the first 1,000 places or urban communities and  companies paid by the state budgets

(RA citizen (s) and RA resident individual (s))

Age limitation Borrowers’ age at the moment  of applying must be 20-65
Loan amount Up to 1,000,000 AMD** 
Annual interest rate 24%
Loan maturity   With  24 months term

Loan grace period (when  only theloan interest and service fees  are paid)

2-month grace period

Loan providing fee

4.8 %(lump-sum)

Repayment

Monthly equal payments (annuity)
Monthly servicing fee 1000 AMD 
Cash withdrawal fee Free
Loan application reviewfee 1000  AMD 
Disbursement method With AMD,   cash,  lump-sum
Lending territory  The Republic of Armenia
Penalty calculation

Overdue loan amount and overdue interest rates 0.12% per day (maximum 90 calendar days)

Maximum term of loan approval Within 20 minute 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 6 months)

 

**Loan Amount

Gross    salary (before tax) (AMD)

 

Maximum amount of loan without a  voucher /guarantee

 

(a)

 Maximum amount of loan with 1 voucher (A worker included in the list of  the  1st version)  Maximum amount of loan with  1 voucher (A worker included in the 2nd version) Maximum amount of loan with  2 vouchers (Workers included in the list of the  1st version)  Maximum amount of loan with  2 vouchers (Workers included in the   2nd  version) 

Maximum amount of loan with  2 vouchers (Workers included  both in the 1st  and 2nd

versions)

1. Up to 100,000  300,000 AMD 390,000 AMD 360,000 AMD 480,000 AMD 420,000 AMD 450,000 AMD
2. 100,001-150,000  400,000 AMD 520,000 AMD 480,000 AMD 640,000 AMD 560,000 AMD 600,000 AMD
3. 150,001-200,000  500,000 AMD 650,000 AMD 600,000 AMD 800,000 AMD 700,000 AMD 750,000 AMD
4. 200,001-300,000  550,000 AMD 715,000 AMD 660,000 AMD 880,000 AMD 770,000 AMD 825.000 AMD
5. 300,001-400,000  600,000 AMD 780,000 AMD 720,000 AMD 960,000 AMD 840,000 AMD 900,000 AMD
6. 400,001 and more  650,000 AMD 845,000 AMD 780,000 AMD 1,000,000 AMD 910,000 AMD 975,000 AMD


Required documents

     1.  Application  form 

     2.  Reference from the workplace (specifying  the period of work) 

     3.  Passport and Social card /Identification card, if available/
     4.  For the guarantor the required documents are the same  as mentioned in the 2nd and 3rd points and  a consent of request with  ACRA/ NORK systems

 

 

VERSION 3

For those borrowers presenting   their income derived from other sources and who are not included in the first and second versions

 

Loan Disbursement Conditions

Indicators  Limits

Borrowers

(employees registered at least 6 months  )

List of taxpayers issued by the authorized state body (http://www.taxservice.am/Content.aspx?itn=TIListsoccupying the first 1,000 places or urban communities and  companies paid by the state budgets

(RA citizen (s) and RA resident individual (s))

Age limitation Borrowers’ age at the moment  of applying must be 20-65
Loan amount Up to 800,000 AMD*** 
Annual interest rate 24%
Loan maturity   With 24 months term

Loan grace period (when  only theloan interest and service fees  are paid)

2-month grace period

Loan providing fee

7.8 %(lump-sum)

Repayment

Monthly equal payments (annuity)
Monthly servicing fee 1000 AMD 
Cash withdrawal fee Free
Loan application reviewfee 1000  AMD 
Disbursement method With AMD,   cash,  lump-sum
Lending territory  The Republic of Armenia
Penalty calculation

Overdue loan amount and overdue interest rates 0.12% per day (maximum 90 calendar days)

Maximum term of loan approval Within 2 days after presentation of all the required documents
Maximum length of loan granting Within 1 days 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 6 months)

 

 

***Loan Amount

 

Maximum amount of loan with 1 voucher (A worker included in the  3rd version)

 

Maximum amount of loan with 1 voucher (A worker included in the   list of the 1st  version)

 

Maximum amount of loan with 1 voucher (A worker included in the  2nd

version)
 Maximum amount of loan with 2 vouchers (Workers included in the   list of the 1st  version)

Maximum amount of loan with 2 vouchers (A worker included in the  2nd

version)
Maximum amount of loan with 2 vouchers (Workers included both in the 1st  and 2nd versions)

 

500,000  650,000 AMD 600,000 AMD 800,000 AMD 700,000 AMD 750,000 AMD  


 

Required documents

     1.  Application  form 

     2.  Reference from the workplace (specifying  the period of work) 

     3.  Passport and Social card /Identification card, if available/
     4.  For the guarantor the required documents are the same  as mentioned in the 2nd and 3rd points and  a consent of request with  ACRA/ NORK systems