Loans - ԿԱՄՈՒՐՋ վարկային կազմակերպություն

Consumer loans

Loan Calculator

INDIVIDUAL consumer FAMILY income

500,000 - 5,000,000 AMD

With 60 months term

Including a 5-month grace period

without a pledge

If you need money

• for your individual needs

you and your family member can present income statement from the employer or guarantors then “KAMURJ” UCO CJSC provides you loans with the following conditions

Loan Disbursement Conditions

Indicators	Limits
Borrowers	Citizens and residents of the Republic of Armenia
Age limitation	18 - 70 years old
Loan amount	500,000 - 5,000,000 AMD*
Annual interest rate	18%
Annual factual interest rate	34.48%
Loan maturity	With 60 months term
Loan grace period (when only theloan interest and service fees are paid)	5-month grace period
Repayment	Monthly equal payments (annuity)
Monthly servicing fee	1% of the balance of the calculated loan amount
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 a day after presentation of all the required documents

*Loan Amount

Required documents

List of Required Documents for Obtaining a Consumer Loan

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.

Prices of additional services