Loans - ԿԱՄՈՒՐՋ վարկային կազմակերպություն

Consumer loans

Loan Calculator

INDIVIDUAL consumer loan FAST

400,000 - 3,00,000 AMD

With 48 months term

Including a 4-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
Age limitation	Borrowers’ age at the moment of applying must be 18-70
Loan amount	400,000 - 3,000,000 AMD
Annual interest rate	24%
Annual factual interest rate	29.82%
Loan maturity	With 48 months term
Loan grace period (when only theloan interest and service fees are paid)	4-month grace period
Repayment	• Annuity (equal monthly payments) • Equal monthly payments of the loan amount
Monthly servicing fee	0.2% 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	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	400,000 AMD	680,000 AMD	800,000 AMD	720,000 AMD	880,000 AMD	960,000 AMD
100,001-150,000	500,000 AMD	850,000 AMD	1,000,000 AMD	900,000 AMD	1,100,000 AMD	1,200,000 AMD
150,001-200,000	600,000 AMD	1,020,000 AMD	1,200,000 AMD	1,080,000 AMD	1,320,000 AMD	1,440,000 AMD
200,001-300,000	800,000 AMD	1,360,000 AMD	1,600,000 AMD	1,440,000 AMD	1,760,000 AMD	1,920,000 AMD
300,001-400,000	1,000,000 AMD	1,700,000 AMD	2,000,000 AMD	1,800,000 AMD	2,200,000 AMD	2,400,000 AMD
400,001 and more	1,250,000 AMD	2,150,000 AMD	2,500,000 AMD	2,250,000 AMD	2,750,000 AMD	3,000,000_AMD

Required documents

• Application form

• Reference from the workplace (specifying the period of work)

• Passport and Social card /Identification card, if available/

• For the guarantor the required documents are the same as mentioned in the 2^nd and 3^rd points and consent of request with ACRA/ NORK systems

ATTENTION: 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 annual interest rate by pressing here 8/01

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.

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.