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INDIVIDUAL consumer loan in CASH
400,000 - 2,500,000 AMD
With 36 months term
Including a 3-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.petekamutner.am/Content.aspx?itn=tsTILists) 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 3 months)
• 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.
• Customer ACRA Credit Report within the last month 5 or more “New credit application” note must be not available.
Versions
VERSION 1
List of taxpayers issued by the authorized state body (http://www.petekamutner.am/Content.aspx?itn=tsTILists) occupying the first 1,000 places or urban communities and companies paid by the state budgets
Loan Disbursement Conditions
| Indicators |
Limits |
|
Borrowers
|
List of taxpayers issued by the authorized state body (http://www.petekamutner.am/Content.aspx?itn=tsTILists) occupying 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 18-70 |
| Loan amount |
400,000 - 2,500,000 AMD |
|
Annual interest rate
|
18.5% |
|
Annual factual interest rate
|
25.44%-30.67% |
| Loan maturity |
With 36 months term |
|
Loan grace period (when only theloan interest and service fees are paid)
|
3-month grace period |
|
Loan providing fee
|
4.8 % (lump-sum) |
|
Repayment
|
Monthly equal payments (annuity) |
| Monthly servicing fee |
1,000 AMD |
| Cash withdrawal fee |
Free |
| Loan application reviewfee |
1,000 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 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
|
|
Maximum loan amount without a guarantee
|
Maximum loan amount with 1 guarantee
(A worker included in the list of the 1st version with a low salary class)
|
Maximum loan amount with 1 guarantee (A worker included in the list of the 1st version with the same or a high salary class) |
Maximum loan amount with 1 guarantee (A worker of the 2nd version with a low salary class) |
Maximum loan amount with 1 guarantee (A worker of the 2nd version with the same or a high salary class) |
| 1. Uo to 100,000 |
400,000 AMD |
680,000 AMD |
800,000 AMD |
640,000 AMD |
720,000 AMD |
| 2. 100,001-150,000 |
500,000 AMD |
850,000 AMD |
1,000,000 AMD |
800,000 AMD. |
900,000 AMD |
| 3. 150,001-200,000 |
600,000 AMD |
1,020,000 AMD |
1,200,000 AMD |
960,000 AMD |
1,080,000 AMD |
| 4. 200,001-300,000 |
800,000 AMD |
1,360,000 AMD |
1,600,000 AMD |
1,280,000 AMD |
1,440,000 AMD |
| 5. 300,001-400,000 |
1,000,000 AMD |
1,700,000 AMD |
2,000,000 AMD |
1,600,000 AMD |
1,800,000 AMD |
| 6. 400,001 and more |
1,250,000 AMD |
2,150,000 AMD |
2,500,000 AMD |
2,000,000 AMD |
2,250,000 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 3 months)
Loan Disbursement Conditions
| Indicators |
Limits |
|
Borrowers
(employees registered at least 6 months )
|
List of taxpayers issued by the authorized state body (http://www.petekamutner.am/Content.aspx?itn=tsTILists) occupying 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 18-70 |
| Loan amount |
400,000 - 1,200,000 AMD** |
| Annual interest rate |
18.5% |
| Loan maturity |
With 36 months term |
| Annual factual interest rate |
25.44%-30.67% |
|
Loan grace period (when only theloan interest and service fees are paid)
|
3-month grace period |
|
Loan providing fee
|
4.8 % (lump-sum) |
|
Repayment
|
Monthly equal payments (annuity) |
| Monthly servicing fee |
1,000 AMD |
| Cash withdrawal fee |
Free |
| Loan application reviewfee |
1,000 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 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) |
Maximum loan amount without a guarantee (a)
|
Maximum loan amount with 1 guarantee (A worker included in the list of the 1st version) |
Maximum loan amount with 1 guarantee (A worker included in the list of the 2nd version) |
Maximum loan amount with 2 guarantees (A worker included in the list of the 1st version) |
Maximum loan amount with 2 guarantees (A worker included in the list of the 2nd version) |
Maximum loan amount with 2 guarantees (Workers included in the list of the 1st version and in the list of the 2nd version)
|
| Up to 150,000 |
400,000 AMD |
520,000 AMD |
480,000 AMD |
640,000 AMD |
560,000 AMD |
600,000 AMD |
| 150,001-200,000 |
500,000 AMD |
650,000 AMD |
600,000 AMD |
800,000 AMD |
700,000 AMD |
750,000 AMD |
| 200,001-300,000 |
600,000 AMD |
780,000 AMD |
720,000 AMD |
960,000 AMD |
840,000 AMD |
900.000 AMD |
| 300,001-400,000 |
700,000 AMD |
910,000 AMD |
840,000 AMD |
1,120,000 AMD |
980,000 AMD |
1,050,000 AMD |
| 400,001 and more |
800,000 AMD |
1,040,000 AMD |
960,000 AMD |
1,200,000 AMD |
1,112,000 AMD |
1,200,000 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
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.
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