Agricultural loans

Loan Calculator

Annuity Reducing


From 1,500,000 to 4,000,000 AMD

Interest rate - 12,5%

Loan term 8 - 60 months from which 

up to 27 months are grace period



If you need money for

   agricultural business development


and for other similar purposes, “KAMURJ” UCO CJSC offers you this. 


Loan providing conditions  



Borrower (s)

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

The resident legal entities

Age limitation

Borrower's age at the moment of applying minimum 18, maximum 70

Loan Amount

1,500,000 - 4,000,000 AMD

Annual interest rate


Annual factual interest rate

12.86% - 13.24%

Loan Maturity

8 - 24 months for replenishment of working capital

24 - 60 months for capital investments or combination*

Grace period of loan repayment

3 - 27 months

Loan commission


Monthly servicing fee


Payment mode

Annuity (equal monthly payments)

Equal monthly payments on the loan amount

Other - customer cash flow matching

Lending territory

in the whole territories of the Republic of Armenia

Loan safety**

Guarantee of 2 individuals

Preterm repayment conditions

The borrower is obliged to pay until the prepayment day the calculated interests, which cannot be less than the first eight interest amount stipulated in schedule as well as penalty fees (if they exist). 

Applicable penalties

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

Maximum term of loan approval

Within 7 days after presentation of all the required documents

Maximum length of loan granting Within a day after presentation of all the required documents



* At least 70% of the loan amount should be directed to capital investments, unless something else is not defined by the refinancing company. Otherwise, the loan is going to be considered as a loan provided for the replenishment of working capital.

** Borrower’s family members are not considered as loan repayment guarantors.


The loan granting is financed by KFW.


List of necessary documents

 Passport issued by the Republic of Armenia


Loan Registration place



The Head office and all the branches of “KAMURJ” UCO CJSC 


Positive and negative decision factors on loan granting.

Almost all loans up to 3 million AMD or up to 6,000 USD, in about 40 border communities of Tavush, Vayots Dzor, Gegharkunik and Ararat regions of Armenia, are provided with the following privileges:

    Without charging granting fees

    Without charging loan servicing monthly fees

    At reduced interest rate

According to the list of border communities

approved by RA Government decision N30-N 15/01/2015 




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.