For Individual Clients

Consumer finance

Consumer finance: get your finance and purchase your goods without leaving the counter!

ապառիկ 

 

  • Now you can buy your goods on installment plan directly at the store just in a few minutes.
  • Your consumer finance decision will be made in 5 minutes.
  • The bank may increase your credit limit and enable you to buy other necessary goods. 

 

 

 

Terms of financing

 

Eligible clients

Citizens of Armenia who are resident in the Republic of Armenia

Eligible age

21-65, provided that the age of the borrower by the time of expiry of loan agreement will not have exceeded 65

Currency

AMD

Consumer finance limit

50,000-5,000,000

Advance payment

0-20%

Term

6-60 months, max 36 months for computer equipment and phones

Nominal annual interest rate

0%

Annual percentage rate

0-24%

Monthly credit account service fee (percentage of provided finance amount)

0-1.5%

Lump-sum disbursement fee

N/A

Repayment

Equal monthly installments consisting of a portion of finance and a portion of interest

Pledge

Property to be purchased

Max loan-to-value ratio

Up to 100%


Required documents

  • Personal identification document
  • PPSN/social card

 

Terms of financing for purchase and installation of solar batteries

 

Eligible clients

Citizens of Armenia who are resident in the Republic of Armenia

Eligible age

21-65, provided that the age of the borrower by the time of expiry of loan agreement will not have exceeded 65

Currency

AMD

Financed products and financing limit

Purchase and installation of solar batteries

200,000-5,000,000

Advance payment

0-10%

 

Term (months)

6-108

Nominal annual interest rate

0%

Annual percentage rate

0-14%

Monthly credit account service fee (percentage of provided finance amount)

0.45-0.7%

Lump-sum disbursement fee

N/A

 

Repayment

Equal monthly installments consisting of a portion of finance and a portion of interest

Pledge

Property to be purchased

Max loan-to-value ratio

Up to 100%

Required documents

Personal identification document

PPSN/social card

The bank can request an ownership certificate of the property and electricity and gas bills for the most recent 6 months.

 

Repayment Channel

 


Wire transfer and Ameriabank’s payment terminals 

0


Payment terminals of Easy Pay, Telcell, MobiDram, idram

Easy Pay, idram, Mobidram  - 200 AMD

Telcell - 300 AMD 

Repayment of loan and interest at the bank’s premises

AMD 500 (for each cash operation)

Online: on the Bank's website

0


Leaflet on essential terms of consumer loan (for purchase of mobile phones and computer facilities)
Leaflet on essential terms of consumer loan (for purchase of domestic appliances, furniture, home décor, etc., heating systems)


 

Company

Store

1

VEGA WORLD LLC

VEGA

2

ZIGZAG LLC

ZIGZAG MEGASTOR

ZIGZAG ANTENA

3

VLV CENTER Co.Ltd

VLV

4

UCOM LLC

UCOM

5

ED-SPO LLC

BEKO

6

PC ELECTRONICS LLC

PC ELECTRONICS

7

BARSIS LLC

NOR TUN

8

UNIVERSAL PROJECT Co.Ltd

EUROBAZA

SMILE PRICE

9

VOSKE AREV LLC

220 VOLT

10

MEDIA EXPERT LLC

11

DARF LLC

METS ANIV

12

VENUS EL LLC

VENUS

13

ASTGHIK ARZUMANYAN PE

ASKAT MOBILE

14

MASTERPHONE LLC

3D PLANET

15

DECORA-GROUP LLC

DOMUS, DUSON

16

PRETTY WAY LLC

VESTA

17

IMEX GROUP LLC

IDEAL

18

MULTI ELECTRONICS LLC

MY NOTEBOOK

19

MOBILIFE LLC

MOBILIFE

20

PIXELS LLC

PIXEL

21

VALENSIA JV LLC

KLAIK

22

BL LLC

BL

23

GBU LLC

BEKO(VANADZOR)

24

GSA LLC

GSA ELECTRONICS

25

MOBLIOS LLC

HUAWEI

26

NEW FLY LLC

PLASMA ELECTRONICS

27

RINO LLC

METS ANIV (GHARABAGH)

28

SHAH LLC

REZON

29

SBS LLC

SBS

30

TECHNICAT LTD

Z-MIX

31

MOBILE-IQS LLC

XTECHNX

32

OSCAR ELECTRONICS LLC

ELDORADO, BEKO (GYUMRI)

33

SIGMA ELECTRONICS LLC

SIGMA ELECTRONICS

34

NAREK HOVSEPYAN PE

TSIATSAN

35

HAYK GRIGORYAN G. PE

PC ELECTRONICS (ETCHMIATSIN)

36

ELEN GHUSHCHYAN L. PE

PC ELECTRONICS (ASHTARAK)

37

ARTUR KHACHATRYAN PE

DECOR

38

ARTASHES KHACHATRYAN S. PE

AUTOHOUSE

39

KONSTANTIN GAVALAJYAN PE

DAV KAHUYQ

40

VERTICAL LUXE SYSTEM LLC

SHEN SHEM

41

ANI MARKOSYAN M. PE

ANI KAHUYQ

42

INTERFUR LLC

ASHLEY HOMESTORE

43

HRASHQ LLC

SHKAFF

44

HAKOB SARGSYAN GH. PE

45

KA AND KA Co.Ltd

KIT KAHUYQ

46

ARPANIV LLC

AUTOMAX

47

MK GROUP LLC

KAHUYQ

48

MAKSIM GIKINYAN PE

DUBAY

49

RED STORE LLC

RED STOR

50

ELSA LLC

ELSA

51

SVETA SEROBYAN PE

ALL CELL

52

SPORT CITY LLC

SPORT CITY

53

HAYR EV VORDI BEKNAZARYANNER LLC

VESTA PLUS

54

HANMAR LLC

FEDERAL

55

SMART ORANGE AM LLC

XIAOMI

56

SPORT LIFE LLC

SPORTLANDIA

57

SHTIGEN  LLC

SHTIGEN

58

ANAHIT GEVORGYAN N. PE

SMART ELECTRONICS

59

PROFPANEL LLC

SOLARON

60

DAVIT MKRTCHYAN J. PE

VEGAS

61

VERSAL GROUP LLC

VERSAL

62

ALDIS LLC

ELEKTRON PLAZA

63

NORAYR SARGSYAN T. PE

LOUVRE

64

FREENERGY Co.Ltd

FREENERGY

65

NORAYR AND HRAYR BROTHERS PE

NORAYR AND HRAYR BROTHERS

66

AVETISYAN ARTUR ZH. PE

TAQ TUN

67

ANAHIT EVOYAN L. PE

VAHE ELEKTRONICS

68

TIGER GROUP LLC

REEBOK

69

FORTUNA TRADE Co.Ltd

FORTUNA TRADE

70

ROBEN LLC

BEKO (ABOVYAN, TALIN)

71

ELMARKET Co.Ltd

ELDORADO

72

INTERSERVICE MEK LLC

MEK

73

PLATFORM LLC

SMART ENERGY

74

NOTESTORE LLC

NOTEBOOKCENTRE

75

NUGA HOUSE LLC

NUGA HOUSE

76

ALIK GRIGORYAN H. PE

IMAGE CODE

77

AGA-GROUP LLC

KAHUYQI ASHKHARH

78

COMFORT R AND V LLC

R AND V COMFORT

79

MAYDAV LLC

VLV (KAPAN)

80

AGEVART LLC

VLV (ARMAVIR)

81

MUSHEGH HOVHANNISYAN L. PE

ARGAVAND KAHUYQ

82

SAHAK HOVHANNISYAN V. PE

ARMALIS

83

ARAKSYA SIMONYAN G. PE

84

VAHAN MARGARYAN H. PE

85

ARSEN GASPARYAN H. PE

GYUGHTEKHNIKA

86

LENA GHUKASYAN A. PE

ELENA

87

BESTSHOP LLC

BEST SHOP

88

SHANT AKULYAN KH. PE

BEKO (ARTIK)

89

SHINCAPITAL HOME LLC

BRIGHT HOUSE

90

ANI DENT LLC

ANI DENT DENTAL CLINIC

91

BORIS BAGHDASARYAN A. PE

DESIGNO

92

MARIAM BAGHDASARYAN A. PE

93

SARGSYAN LEVON G. PE

94

ARMAN HOVHANNISYAN M. PE

GARANT

95

DSA LLC

BEKO (APARAN)

96

SONET Co.Ltd

SONET

97

GAPEX LLC

GAPEX

98

HMAYAK O. STEPANYAN PE

LEADER

99

TIGRAN GEVORGYAN A. PE

ALEX DECOR

100

GAR GRIG LLC

TSIATSAN

101

Z S TOP Co.Ltd

SKILL AM

102

SERGEY CJSC

KHACHEN

103

PLAZMA VAN LLC

PLASMA ELECTRONICS

104

ELZONE LLC

ELZONE

105

ARAYIK MARTIROSYAN PE

BEKO (KAPAN)

106

FULL HOUSE MARKET LLC

FULL HOUSE MARKET

107

DV INVEST LLC

ECO STEP

108

SUSANNA TOPLAGHALTSYAN PE

ADAS

109

HAYK HASRATYAN P. PE

MONIKA KAHUYQI SRAH

110

CHO KO CRIBS LLC

Woolic Cribs

111

NAIRI PARSYAN M. PE

KAHUYQ

112

AGAPI SHMAVONYAN PE

BEKO (ARMAVIR)

113

HUSIK HOVHANNISYAN T. PE

ARMADA MALL

114

NIKKAR LLC

VESTA (MARTUNI)

115

LIA-K GROUP LLC

LIA CERAMICS

116

ARMEN AND ANUSHIK LLC

VESTA (EGHEGNADZOR)

117

HOVHANNISYAN ARSHAK V. PE

RESULT

118

ZHARANGORD AK

ZHARANGORD

119

BARSEGHYAN ARA S. PE

NATURALGAS

120

RENEWABLE COCKASS CORPORATION LLC

SUNNY CITY

121

ISLUS LLC

ISLUS

122

AR. LEO LLC

AR LEO

123

JULIAR LLC

VLV (SEVAN)

124

MELANTES Co.Ltd

WALL DECO

125

IM DAVO LLC

BEKO (SEVAN)

126

VANMETAGHAR LLC

KAHUYQ

127

HOVAKIMYAN ARAYIK N. PE

BEST ELECTRONICS

128

MARIAM GHARIBYAN A. PE

SHADE

129

SERYOZHA HARUTYUNYAN N. PE

KAHUYQ

130

RGR LLC

BEKO (VARDENIS)

131

ANZHELA GHARIBYAN S. PE

PC MOBILE

132

LUXURY GARDEN LLC

LUXURY GARDEN

133

AUTRE LLC

AUTRE

134

TOP-TECH LLC

TOP FLOOR

135

MELISA LLC

MELISA

136

ZOHRAB KIRAKOSYAN R. PE

BEKO (IJEVAN)

137

HRACHYA BABAYAN W. PE

BEKO (ETCHMIATSIN)

138

ARAM AGHEKYAN B. PE

YAFERRARI

139

M-ELECTRONICS LLC

ELHOUSE

140

SOLAR GROUP LLC

SOLAR GROUP

141

EDGAR AND NAZELI LLC

OJAKH

142

OPTIMUM ENERGY LLC

OPTIMUM ENERGY

143

BRABION FLORA SERVICE LLC

ABIO HIPERMARKET

144

SARIBEK GHAZARYAN A. PE

MS KAHUYQ

145

BMS LLC

BMS

146

VELHOFF LLC

VELHOFF

147

SOLAR ENERGY SYSTEM SOLUTIONS LLC

SOLARESS

148

YEPREMYAN AMATUNI W. PE

ЕПРЕМЯН АМАТУНИ В. ЧП

149

SARIMAN MAMAJANYAN PE

VIYANA

150

SHINMOL LLC

SHINMOL

151

MANUK GHAZARYAN A. PE

MK KAHUYQ

152

ARAKELYAN ELEN A. PE

I PLUS

153

NORIK HAKOBYAN H. PE

KAHUYQ

154

BEST GROUP LLC

LIDERIA, CERAMIC CITY

155

VILLAMO LLC

VILLAMO

156

VAHAGN EVINYAN A. PE

HI FI

157

NEJDIK TER-ABRAHAMYAN A. PE

WEST ABOVYAN

158

SUSANNA GHAZANCHYAN Y. PE

AG MOBILE

159

HAYR EV VORDI ASATRYANNER LLC

AG MOBILE

160

REZON LLC

REZON

161

OTARYAN GARIK I. PE

BABY TOYS

162

VLV LLC

VLV STEPANAKERT

163

YEGHIAZARYAN HAYK T. PE

L AND R

164

GHAZARYAN VAN PE

VAN AND ARMAN

165

ARMAN MURADYAN A. PE

BAROCCO

166

GLOBAL BEAUTY LLC

GLOBAL BEAUTY

167

ELOYAN RUBEN PE

DIMOND

168

GRIMAR GROUP LLC

BEST ELECTRONICS

169

HAKSIL LLC

HAKSIL

170

KHOJOYAN SUREN A. PE

JAHERI TUN

171

LIGHTING LLC

LUYS

172

HRANT GRIGORYAN LLC

TEKHNO STOR

173

LIVINGS LLC

LIVINGS

174

ECOVILL LLC

ECOVILL

175

HEGHINE YEGHIAZARYAN O. PE

TEKHNIKA

176

ARMINE TSATURYAN V. PE

MANE KAHUYQ

177

NELLI VOSKANYAN A. PE

TH MOBILE

178

ARAYIK HOVSEPYAN E. PE

TEKHNO HOUSE

179

ARSEN GRIGORYAN B. PE

MIX ELEKTRONICS

180

GOR KARAMYAN S. PE

MIX ELEKTRONICS

181

GAYELLAS LLC

ELLA KAHUYQ

182

VMH LLC

SALMAST

183

EVROSTAN-UYUT LLC

EVROSTAN UYUT

184

WATCH WORLD LLC

CHRONOGRAPH

185

HRASHK AYGI LLC

HRASHQ AYGI

186

MULTI SOLAR LLC

MULTI SOLAR

187

PLASMA 99 LLC

PLAZMA 99

188

VARDAZAR MKRTCHYAN PE

BEKO (MARTUNI)

189

AVETYAN KNKUSH A. PE

ARBAT

190

ARSIEL LLC

ARSIEL

191

MAMIKON MARGARYAN H. PE

VM ELECTRONICS

192

ARTUR MARTIROSYAN Y. PE

SHINANYUT

193

GAYANE KHUNOYAN B. PE

LYLY

194

THE OHM ENERGY LLC

THE OHM ENERGY

195

ARTASHES MKRTCHYAN PE

LABELLE

196

KALASHYAN VOLODYA PE

KAHUYQ

197

ILIOS LLC

ILIOS

198

RID GROUP LLC

BEKO (CHARENCAVAN)

199

ARMEN KARAPETYAN R. PE

BEST ALAVERDI

200

PROFIS GROUP LLC

PROFIS ENERGY

201

MOVSISYAN AVETIK M. PE

KARIN BEAUTY

202

ALEX FURNITURE LLC

ALEX FURNITURE

203

NAVASARDYAN TAMAR V. PE

TAMARA FURNITURE

204

SOLAR CENTRE LLC

SOLAR CENTRE

205

ALEKSANYAN GARNIK PE

KAKADOO

206

GHARIBYAN FELIKS E. PE

PLAZA PLUS

207

A&A LLC

A&A

208

GSS LLC

GLOBAL SAVING SYSTEMS

209

ROYAL STAR LLC

ROYAL STAR

210

KHACHATRYAN MERI A. PE

SEVAN KAHUYQ

211

MURADYAN ARMEN V. PE

BEKO (ARMAVIR) 

212

BADALYAN LUSINE H. PE

LV

213

KINETIC CJSC

ORANGE FITNESS

214

SV LLC

BEKO (ABOVYAN)

215

JASMINE GROUP LLC

JASMINE GROUP

Other Terms of Lending

 

օնլայն ապառիկ
  • Consumer finance is available at those stores with which the bank has executed a Cooperation Agreement.
  • Consumer finance is provided just at the premises of Merchants.
  • Consumer finance is available for 21-65 year-old resident individuals having Armenian citizenship for purchase of consumer goods (household appliances and computers, mobile phones, furniture, air conditioners, heating systems, etc.).
  • Amount of finance is transferred to the Merchant’s account based on the Customer’s instruction issued under consumer finance agreement.
  • Approval/rejection and maximum amount of finance are subject to the Customer’s creditworthiness assessment.
  • The credit may be rejected, if; 
  • The Customer has a bad credit history
  • The presented data are not trustworthy

Interest Calculation

  • Interest is calculated based on nominal interest rate and accrued to outstanding loan.
  • Actual annual percentage rate (APR) shows the cost of the loan in case of due and timely repayments (interest and other fees) under the agreement.
  • No change of nominal interest rate by the bank is envisaged during the validity period of the agreement.
  • Loan interest calculation example: 
  • Principal: AMD 200,000
  • Interest rate: 24%
  • Term: 12 months
  • Credit account opening, management and servicing fee: 0%
  • Monthly installment for this loan will be AMD 18,920.
  • Actual annual percentage rate will be 26.95%.


Other Fees and Rates 

For the fees and rates of provision of statements, references and other information please click here.

 

Fines and Penalties

  • If the Borrower fails to pay the loan when due, the following fines and penalties will be applied (for each day of delay): 
  • 0.13% of Principal
  • 0.13% of Interest

No fines and penalties for repayment of the loan before the due date!

ATTENTION!

Collateral Foreclosure

IF THE BORROWER FAILS TO REPAY THE LOAN AND INTEREST WHEN DUE, THE COLLATERAL WILL BE FORECLOSED. IF THE VALUE OF THE COLLATERAL IS NOT SUFFICIENT, THE BANK MAY FORECLOSE ON OTHER PROPERTY OWNED BY THE BORROWER.

 

Information Provided to Credit Register


IF THE BORROWER FAILS TO REPAY THE LOAN AND INTEREST WHEN DUE, INFORMATION ABOUT OVERDUE LIABILITIES WILL BE RECORDED IN CREDIT REGISTER.

A BAD CREDIT HISTORY MAY NEGATIVELY AFFECT THE BORROWER’S FUTURE CREDIT EXPERIENCE.

Your Consumer Finance Form   

 

Before executing the loan agreement Your Essential Terms Form will be provided to you in accordance with the Regulation 8/05 of the Central bank of Armenia “On Procedure, Terms, Forms and Minimum Requirements for Communication Between the Bank and Depositor, Creditor and Consumer”.


 

‘Financial Assistant’ system at abcfinance.am website offering ‘Finance for Everyone’


Updated 21.11.2019, 9:45

Services for Individuals

  
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