Just 450,000-1,300,000 AMD for 2 persons

Just 800,000-1,500,000 AMD for 3 persons

Up to 36 month term

Without a pledge

If You urgently need money

     • to meet consumer needs,

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

Loan granting conditions

¹ Persons affiliated with the borrower can not be the co-borrower of the same loan and borrower.

² Only one of these products can be provided to the customer.

³ If 2 out of 2 customers have a quarterly registered salary in NORK system, the loan amount is 700,000 AMD,

⁴ If 2 out of 2 customers have a quarterly salary in NORK system, the loan amount is 800,000 AMD,

⁵ If 2 out of 2 customers have a quarterly salary in NORK system, the loan amount is 850,000 AMD,

⁶ If 2 out of 2 customers have a quarterly salary in NORK system, the loan amount is 1,200,000 AMD,

⁷ If 2 out of 2 customers have a quarterly salary in NORK system, the loan amount is 1,300,000 AMD,  

⁸ If 2 out of 2 customers have a quarterly salary in NORK system, the loan amount is 1,500,000 AMD. 

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 (employees that are registered at least 6 months.

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 59,340 AMD.

2. If You have taken an ‘Easy Loan for 3 persons loan’ of 800,000 AMD with 36 - month term, then your monthly payment will approximately be 31,200 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 33,150 AMD.

4. If You have taken an ‘Easy Loan for 2 persons loan’ of 450,000 AMD with 36 - month term, then your monthly payment will approximately be 18,250 AMD.

List of necessary documents

• Passport or/and Identification card and

• Social security card

Requirements for the client

• The sum of current and repaid loans of Customer should not exceed 45 schedule days in the last 12 days of the month, and 20 schedule days over the last 3 months,

• During the last one month there should not be 5 and more times ''New loan application’’mark in Customer’s credit report,

• At least one of the customers must have 3 -month registered salary in the NORK system (except for existing clients),

• The customer (borrower/ one of the 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 to apply for ‘Easy loan in 19 minutes for 2 persons’ or ‘Easy loan in 19 minutes for 3 persons’loans 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 ‘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 workplace, only being a registered worker and with a positive credit history).

 Loan approval mode

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

In case of ‘Easy loan for 2 persons’ and ‘Easy loan for 3 persons’ customers should be liable for the full amount of the loan,

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

Other conditions

• At least one of the customers must have 3 -month registered salary in the NORK system (except for Current Customer loans),
• If a customer is an employee of Force structure, the requirement for being a 3-month registered employee is not required,
• In case of impossibility to obtain information from the NORK system (if the customer is an employee of Force structure) the loan can be provided on the basis of the working contract concluded with the customer or a reference about the term of contract and certificate, or a statement from a client's bank account (of current or previous month),
• The maximum amount of the loan provided to current customers may not exceed the repaid amount paid by themselves,
• Current customer of the Company can not be a co-borrower of this loan,
• Loan can be provided to the current customer in such a case, when at least 6 months from the date of the current loan has past,

• Lombard credit may not be considered as an existing loan,

• Repaid loan customers can get new type of loan in such a case, when the loan is repaid within the previous 12 months.
• In case of granting a loan under the credit ‘Consumer loan in cash’, ‘Easy Loan in 19 minutes’ consumer loan is provided with an additional examination taking into account the amount of the loan received within the scopes of ‘Consumer loan in cash’ type of loan.

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.