Just 500,000 - 850,000 AMD for 2 persons

Just 900,000 - 1,500,000 AMD for 3 persons

Only with passport and social security card

If You urgently need money

     • to meet consumer needs,

then “KAMURJ” UCO CJSC offers You a loan, with the following conditions:

Loan granting conditions

Monthly payments

1.If You have taken an ‘Easy Loan for 3 persons loan’ of 1,500,000 AMD with 36 - month term, then your monthly payment will approximately be 63,680 AMD

2. If You have taken an ‘Easy Loan for 3 persons loan’ of 900,000 AMD with 36 - month term, then your monthly payment will approximately be 38,210 AMD

3. If You have taken an ‘Easy Loan for 2 persons loan’ of 850,000 AMD with 36 - month term, then your monthly payment will approximately be 36,100 AMD

4. If You have taken an ‘Easy Loan for 2 persons loan’ of 500,000 AMD with 36 - month term, then your monthly payment will approximately be 21,230 AMD

List of necessary documents

• Passport or/and Identification card and Social security card

Requirements for the client

• 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.

• In the customer’s ACRA credit report, the credit risk class of persons related to the customer must be acceptable up to and including the “monitored” class.

• The customer (at least one of the borrower/co-borrowers) must have a credit history.

If the customer does not have a credit history or is not a registered employee

If the customer does not have a credit history or is not a registered worker, then we suggest you apply for ‘Easy loan in 19 minutes for 2 persons’ or ‘Easy loan in 19 minutes for 3 persons and come together with a friend/ friends or a partner/partners.

One of the advantages of ‘Easy loan for 2 persons’, ‘Easy loan for 3 persons’ loan type is in the fact, that one of the borrowers must have a positive credit history, as well as a registered job. The other borrowers can not generally have a credit history, as well as a registered job, but get an ‘Easy loan for 2 persons’ or ‘Easy loan for 3 persons’ loan.  It is only necessary for one of the borrowers to satisfy the conditions (without presenting a reference from the workplace, only being a registered worker and with a positive credit history).

 Loan approval mode

• Visiting the customer’s workplace or place of residence is not done,

• For ‘Easy loan singly’, for current and repaid loan customers, having a co-borrower is not a requirement.

Other conditions

• No inquiry is conducted for persons related to the customer.

• At least one of the customers must have a quarterly registered salary in the EKENG SRC system (except for the Existing Customer loan product).

• A current borrower under one of the Company’s loan products may qualify only as an Existing Customer for this loan product.

• The maximum loan amount granted to Existing Customers may not exceed the amount previously repaid by them.

• A current borrower under one of the Company’s loan products may not act as a co-borrower for this loan product.

• A loan may be granted to an Existing Customer only if at least 6 months have passed since the disbursement date of the current loan and the contractual amount of the active loan exceeds AMD 500,000.

• A pawnshop loan may not be considered as an active loan.

• A new loan may be granted to a customer with a closed loan only if the loan was repaid within the past 12 months.

• If a loan has been granted under the “ARAG” loan product, the “EASY LOAN in 19 Minutes” consumer microloan shall be granted subject to additional assessment, taking into account the amount of the loan received under the “ARAG” loan product.

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 harm 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