Կայքը գտնվում է վերափոխման փուլում
KFW AGRICULTURAL LOANS
12.25% 160.000.000 ֏ 60months Not required
Nominal interest Loan Loan Early loan
rate amount term repayment penalty
updated 28-07-2021, 09:00
Loan Currency |
AMD |
|
Creditor |
The Borrower's activities must be included in the list of Acceptable Activities defined in this document |
|
Annual nominal interest rate |
12,25% |
|
Annual percentage rate of the loan |
12.95% - 12.96% |
12.95% - 21.28% |
Loan disbursement fee |
Not required |
|
|
MICRO LOANS |
MEDIUM LOANS |
Credit terms |
24-36 months |
24-60 months |
Grace period of principal amount |
3-18 months. Throughout the loan |
3-11 months - the maximum number of months in each year |
Loan amount |
AMD 300,001-2,000,000 |
AMD 1,000,000-160,000,000 |
Other fine |
· In case of overdue 5 days in a row, a penalty of 1% is applied to the loan balance, · In case of non-targeted use of the amount, a fine in the amount of AMD 100,000 is applied |
· In case of overdue 5 days in a row, a penalty of 1% is applied to the loan balance, but not more than 50,000 AMD. · In case of non-targeted use of the amount, applied a fine in the amount of: 1. up to 6 million AMD in case of loans - 100,000 AMD, 2. 6-33 million AMD in case of loans - 250,000 AMD 3. In case of loans over 33 million AMD - 550,000 AMD. |
Pledged asset |
· at least 3 Guarantees Natural person / 18-65 years / or Private Entrepreneurs, who shall have no overdue liabilities · At least two of the guarantors must be real estate owners or have a registered salary. · The sum of overdue liabilities during the 12 months preceding the time of application shall not exceed 30 days. · Other collateral may be required by decision of the Credit Committee |
·Real estate (building) and / or vehicle*, agricultural machinery** ·Other collateral may be required by decision of the Credit Committee.
|
* Vehicle |
Not defined |
Vehicle, the manufacture date of which mustn’t be earlier than · For Russian manufactured vehicles: 5 years, · For other countries manufactured vehicles: 20 years The vehicle is subject to compulsory Casco (Physical Damage) insurance in favor of the Organization, at least in the amount of the Loan and throughout the term of the Loan. |
**Agricultural machinery |
Not defined |
Combine, tractor, truck, excavator - other equipment, the acceptance criteria of which are determined by the Organization. |
Loan to collateral value maximum ratio |
Not defined |
Maximum up to 70% of liquid value of collateral |
Pledge appraisal |
Not defined |
The pledge is subject to appraisal by an independent property appraisal agency cooperating with the Organization and/or an employee of the Organization. |
Loan service monthly fees |
Not charged |
|
Late loan principal fee |
0.1% daily |
|
Late interest fee |
0.13% daily |
|
Loan early repayment |
The borrower has the right to make an early repayment of the loan: fully or partially Early repayment penalty is not applied |
|
Repayment method |
|
|
In case of non-targeted use of the amount, the annual nominal interest rate of the loan may be changed unilaterally, being set at twice the current interest rate of the Central Bank of Armenia. |
1. In order to use the services provided within the framework of these tariffs, the Borrower shall pay the following amount for the services provided by the third parties mentioned below: In case of real estate pledge. ü Certificate on real estate restrictions - 10,000 AMD, ü Fee of state registration of rights - 2,000-26,000 AMD, ü Pledged property assessment fee - 1,500-25,000 AMD. In case of a vehicle pledge. ü Certificate on vehicle restrictions - 3,000-4,000 AMD, ü Fee of state registration of rights - 2,000-3,000 AMD, ü Pledged property assessment fee - 11,000-12,000 AMD, ü Collateral insurance. 2.5% of the loan amount․ 2. Regardless of the third party fee rates mentioned in these terms, the fees for the services provided by the latter may change. 3. Loan interest is calculated on the active (non-overdue) balance of the loan, based on the calculation of 365 days a year. 4. The list of required documents, as well as the list of insurance companies and independent assessors cooperating with the Organization are defined in separate Annexes. 5. The loan is provided at the Head Office of the Organization, "Shrjanayin", "Avan", "Davtashen", "Komitas", "Erebuni","Harav-Arevmtyan", "Armavir", "Artashat", "Masis", "Goris", "Gyumri", " Vanadzor "," Abovyan "," Hrazdan "," Echmiadzin "," Martuni "," Ijevan'' , " Artik''branches. 6. The factors for making a positive loan decision are the following: § Compliance of the Borrower, Pledge and Guarantor (if any) with the requirements set forth in this document § The borrower shall have no overdue liabilities as of the application submission date § The sum of overdue liabilities during the 12 months preceding the time of application shall not exceed 30 days. § The individual borrower must be the owner of the real estate, except in the case of loans secured by real estate. 7. The factors for loan rejection are the following: ü Non-compliance of the Borrower and/or Pledge and/or the Guarantor (if any) with the requirements set forth in this document 8. Making a decision on the loan application after submitting the required documents, informing the borrower within 5 working days. 9. Provision of loan within up to 2 working days after submitting all required documents. 10. As a rule, any amount deposited for the purpose of loan repayment is directed by the Organization to the repayment of the amounts to be paid to the Organization by the Customer by virtue of loan agreement at the time of depositing, including penalties, service fees, interest, Loan amount repayment. The organization has the right to define a different order of amounts to be paid in the contract with the Customer. 11. In case of early repayment of the loan by the Customer, the loan interest amounts and the service fees, if any, are proportionally reduced if the latter is accrued on a daily basis, while the payments made to third parties are not subject to reduction. 12. Tariffs for non-financial services, including terms of provision of statements, copies of contracts and other information are published on the official website of the Organization: www.fastcredit.am, as well as posted in the places of business of the Organization. 13. WARNING: IF THE INTEREST AMOUNTS, LOAN AMOUNT, SERVICE FEES ARE NOT PAID IN TIME THE PLEDGED PROPERTY CAN BE CONFISCATED BY THE PROCEDURE ESTABLISHED BY LAW. 14. ATTENTION: IN CASE OF NOT FULFILLMENT OR INCOMPLETE FULFILLMENT OF THE OBLIGATIONS BY YOU, THE ORGANIZATION SENDS THOSE DATA TO THE CREDIT BUREAUWITHIN 3 WORKING DAYS WHERE YOUR CREDIT HISTORY IS FORMED. YOU HAVE THE RIGHT TO GET YOUR CREDIT HISTORY FROM THE CREDIT BUREAU FREE OF CHARGE ONCE EVERY YEAR. ATTENTION: BAD CREDIT HISTORY MAY HINDER RECEIVING A LOAN IN THE FUTURE. 15. ATTENTION: LOAN INTEREST AMOUNTS ARE CALCULATED BASED ON THE NOMINAL INTEREST RATE, WHILE THE ACTUAL ANNUAL INTEREST RATE SHOWS HOW MUCH THE LOAN, INTEREST AMOUNT AND OTHER PAYMENTS WILL COST IN CASE OF PAYING IN THE ESTABLISHED TIME AND AMOUNT. ACTUAL ANNUAL INTEREST RATE CALCULATION PROCEDURE IS POSTED ON THE OFFICIAL WEBSITE OF THE ORGANIZATION (www.fastcredit.am). 16. ATTENTION: YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION IN THE MANNER PREFERRED BY YOU BY MAIL OR ELECTRONICALLY. GETTING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, IS FREE OF RISK OF LOSS OF PAPER INFORMATION AND ENSURES PRIVACY. |
KFW AGRICULTURAL LOANS
12.25%
Nominal interest rate
60.000.000 Դ
Loan amount
60 months
Loan term
Not required
Early loan repayment penalty
տոկոսադրույք գումար առավելագույն ժամկետ
updated 28-07-2021, 09:00
Loan Currency |
AMD |
|
Creditor |
The Borrower's activities must be included in the list of Acceptable Activities defined in this document |
|
Annual nominal interest rate |
12,25% |
|
Annual percentage rate of the loan |
12.95% - 12.96% |
12.95% - 21.28% |
Loan disbursement fee |
Not required |
|
|
MICRO LOANS |
MEDIUM LOANS |
Credit terms |
24-36 months |
24-60 months |
Grace period of principal amount |
3-18 months. Throughout the loan |
3-11 months - the maximum number of months in each year |
Loan amount |
AMD 300,001-2,000,000 |
AMD 1,000,000-160,000,000 |
Other fine |
· In case of overdue 5 days in a row, a penalty of 1% is applied to the loan balance, · In case of non-targeted use of the amount, a fine in the amount of AMD 100,000 is applied |
· In case of overdue 5 days in a row, a penalty of 1% is applied to the loan balance, but not more than 50,000 AMD. · In case of non-targeted use of the amount, applied a fine in the amount of: 1. up to 6 million AMD in case of loans - 100,000 AMD, 2. 6-33 million AMD in case of loans - 250,000 AMD 3. In case of loans over 33 million AMD - 550,000 AMD. |
Pledged asset |
· at least 3 Guarantees Natural person / 18-65 years / or Private Entrepreneurs, who shall have no overdue liabilities · At least two of the guarantors must be real estate owners or have a registered salary. · The sum of overdue liabilities during the 12 months preceding the time of application shall not exceed 30 days. · Other collateral may be required by decision of the Credit Committee |
·Real estate (building) and / or vehicle*, agricultural machinery** ·Other collateral may be required by decision of the Credit Committee.
|
* Vehicle |
Not defined |
Vehicle, the manufacture date of which mustn’t be earlier than · For Russian manufactured vehicles: 5 years, · For other countries manufactured vehicles: 20 years The vehicle is subject to compulsory Casco (Physical Damage) insurance in favor of the Organization, at least in the amount of the Loan and throughout the term of the Loan. |
**Agricultural machinery |
Not defined |
Combine, tractor, truck, excavator - other equipment, the acceptance criteria of which are determined by the Organization. |
Loan to collateral value maximum ratio |
Not defined |
Maximum up to 70% of liquid value of collateral |
Pledge appraisal |
Not defined |
The pledge is subject to appraisal by an independent property appraisal agency cooperating with the Organization and/or an employee of the Organization. |
Loan service monthly fees |
Not charged |
|
Late loan principal fee |
0.1% daily |
|
Late interest fee |
0.13% daily |
|
Loan early repayment |
The borrower has the right to make an early repayment of the loan: fully or partially Early repayment penalty is not applied |
|
Repayment method |
|
|
In case of non-targeted use of the amount, the annual nominal interest rate of the loan may be changed unilaterally, being set at twice the current interest rate of the Central Bank of Armenia. |
Loan Currency |
AMD |
|
Creditor |
The Borrower's activities must be included in the list of Acceptable Activities defined in this document |
|
Annual nominal interest rate |
12,25% |
|
Annual percentage rate of the loan |
12.95% - 12.96% |
12.95% - 21.28% |
Loan disbursement fee |
Not required |
|
|
MICRO LOANS |
MEDIUM LOANS |
Credit terms |
24-36 months |
24-60 months |
Grace period of principal amount |
3-18 months. Throughout the loan |
3-11 months - the maximum number of months in each year |
Loan amount |
AMD 300,001-2,000,000 |
AMD 1,000,000-160,000,000 |
Other fine |
· In case of overdue 5 days in a row, a penalty of 1% is applied to the loan balance, · In case of non-targeted use of the amount, a fine in the amount of AMD 100,000 is applied |
· In case of overdue 5 days in a row, a penalty of 1% is applied to the loan balance, but not more than 50,000 AMD. · In case of non-targeted use of the amount, applied a fine in the amount of: 1. up to 6 million AMD in case of loans - 100,000 AMD, 2. 6-33 million AMD in case of loans - 250,000 AMD 3. In case of loans over 33 million AMD - 550,000 AMD. |
Pledged asset |
· at least 3 Guarantees Natural person / 18-65 years / or Private Entrepreneurs, who shall have no overdue liabilities · At least two of the guarantors must be real estate owners or have a registered salary. · The sum of overdue liabilities during the 12 months preceding the time of application shall not exceed 30 days. · Other collateral may be required by decision of the Credit Committee |
·Real estate (building) and / or vehicle*, agricultural machinery** ·Other collateral may be required by decision of the Credit Committee.
|
* Vehicle |
Not defined |
Vehicle, the manufacture date of which mustn’t be earlier than · For Russian manufactured vehicles: 5 years, · For other countries manufactured vehicles: 20 years The vehicle is subject to compulsory Casco (Physical Damage) insurance in favor of the Organization, at least in the amount of the Loan and throughout the term of the Loan. |
**Agricultural machinery |
Not defined |
Combine, tractor, truck, excavator - other equipment, the acceptance criteria of which are determined by the Organization. |
Loan to collateral value maximum ratio |
Not defined |
Maximum up to 70% of liquid value of collateral |
Pledge appraisal |
Not defined |
The pledge is subject to appraisal by an independent property appraisal agency cooperating with the Organization and/or an employee of the Organization. |
Loan service monthly fees |
Not charged |
|
Late loan principal fee |
0.1% daily |
|
Late interest fee |
0.13% daily |
|
Loan early repayment |
The borrower has the right to make an early repayment of the loan: fully or partially Early repayment penalty is not applied |
|
Repayment method |
|
|
In case of non-targeted use of the amount, the annual nominal interest rate of the loan may be changed unilaterally, being set at twice the current interest rate of the Central Bank of Armenia. |
1. In order to use the services provided within the framework of these tariffs, the Borrower shall pay the following amount for the services provided by the third parties mentioned below: In case of real estate pledge. ü Certificate on real estate restrictions - 10,000 AMD, ü Fee of state registration of rights - 2,000-26,000 AMD, ü Pledged property assessment fee - 1,500-25,000 AMD. In case of a vehicle pledge. ü Certificate on vehicle restrictions - 3,000-4,000 AMD, ü Fee of state registration of rights - 2,000-3,000 AMD, ü Pledged property assessment fee - 11,000-12,000 AMD, ü Collateral insurance. 2.5% of the loan amount․ 2. Regardless of the third party fee rates mentioned in these terms, the fees for the services provided by the latter may change. 3. Loan interest is calculated on the active (non-overdue) balance of the loan, based on the calculation of 365 days a year. 4. The list of required documents, as well as the list of insurance companies and independent assessors cooperating with the Organization are defined in separate Annexes. 5. The loan is provided at the Head Office of the Organization, "Shrjanayin", "Avan", "Davtashen", "Komitas", "Erebuni","Harav-Arevmtyan", "Armavir", "Artashat", "Masis", "Goris", "Gyumri", " Vanadzor "," Abovyan "," Hrazdan "," Echmiadzin "," Martuni "," Ijevan'' , " Artik''branches. 6. The factors for making a positive loan decision are the following: § Compliance of the Borrower, Pledge and Guarantor (if any) with the requirements set forth in this document § The borrower shall have no overdue liabilities as of the application submission date § The sum of overdue liabilities during the 12 months preceding the time of application shall not exceed 30 days. § The individual borrower must be the owner of the real estate, except in the case of loans secured by real estate. 7. The factors for loan rejection are the following: ü Non-compliance of the Borrower and/or Pledge and/or the Guarantor (if any) with the requirements set forth in this document 8. Making a decision on the loan application after submitting the required documents, informing the borrower within 5 working days. 9. Provision of loan within up to 2 working days after submitting all required documents. 10. As a rule, any amount deposited for the purpose of loan repayment is directed by the Organization to the repayment of the amounts to be paid to the Organization by the Customer by virtue of loan agreement at the time of depositing, including penalties, service fees, interest, Loan amount repayment. The organization has the right to define a different order of amounts to be paid in the contract with the Customer. 11. In case of early repayment of the loan by the Customer, the loan interest amounts and the service fees, if any, are proportionally reduced if the latter is accrued on a daily basis, while the payments made to third parties are not subject to reduction. 12. Tariffs for non-financial services, including terms of provision of statements, copies of contracts and other information are published on the official website of the Organization: www.fastcredit.am, as well as posted in the places of business of the Organization. 13. WARNING: IF THE INTEREST AMOUNTS, LOAN AMOUNT, SERVICE FEES ARE NOT PAID IN TIME THE PLEDGED PROPERTY CAN BE CONFISCATED BY THE PROCEDURE ESTABLISHED BY LAW. 14. ATTENTION: IN CASE OF NOT FULFILLMENT OR INCOMPLETE FULFILLMENT OF THE OBLIGATIONS BY YOU, THE ORGANIZATION SENDS THOSE DATA TO THE CREDIT BUREAUWITHIN 3 WORKING DAYS WHERE YOUR CREDIT HISTORY IS FORMED. YOU HAVE THE RIGHT TO GET YOUR CREDIT HISTORY FROM THE CREDIT BUREAU FREE OF CHARGE ONCE EVERY YEAR. ATTENTION: BAD CREDIT HISTORY MAY HINDER RECEIVING A LOAN IN THE FUTURE. 15. ATTENTION: LOAN INTEREST AMOUNTS ARE CALCULATED BASED ON THE NOMINAL INTEREST RATE, WHILE THE ACTUAL ANNUAL INTEREST RATE SHOWS HOW MUCH THE LOAN, INTEREST AMOUNT AND OTHER PAYMENTS WILL COST IN CASE OF PAYING IN THE ESTABLISHED TIME AND AMOUNT. ACTUAL ANNUAL INTEREST RATE CALCULATION PROCEDURE IS POSTED ON THE OFFICIAL WEBSITE OF THE ORGANIZATION (www.fastcredit.am). 16. ATTENTION: YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION IN THE MANNER PREFERRED BY YOU BY MAIL OR ELECTRONICALLY. GETTING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, IS FREE OF RISK OF LOSS OF PAPER INFORMATION AND ENSURES PRIVACY. |
ՏՈԿՈՍԱԴՐՈՒՅՔԻ ՍՈՒԲՍԻԴԱՎՈՐՄԱՄԲ ԳՅՈՒՂԱՏՆՏԵՍԱԿԱՆ ՎԱՐԿԵՐ
0% 15.000.000 Դ 36 ամիս Չի կիրառվում
Տարեկան անվանական Վարկի առավելագույն Վարկի մարման Վարկի վաղաժամկետ
տոկոսադրույք գումար առավելագույն ժամկետ մարման տույժ
Ուժի մեջ է մտնում 16.08.2021թ-ին, ժամը 09։00-ին
Վարկի նպատակը* |
|
|
*«Գյուղատնտեսության ոլորտում ապահովագրական համակարգի ներդրման փորձնական ծրագրի իրականացման համար պետական աջակցության ծրագրի» շրջանակում ապահովագրվող մշակաբույսերի ցանկում ներառված պրոդուկտների մշակության նպատակով վարկավորված շահառուները վարկային պայմանագիրը կնքելուց հետո պետք է ներկայացնեն տվյալ կամ առաջիկա գյուղատնտեսական տարվա համար ապահովագրական ընկերության հետ կնքված գյուղատնտեսության ապահովագրության պայմանագրի պատճենը։ | ||
Վարկի արժույթ |
ՀՀ դրամ | |
Վարկի գումար |
3․000․000 | 3․000․001-15․000․000 |
Վարկի ժամկե |
24-36 ամիս | 36 ամիս |
Վարկի տարեկան անվանական տոկոսադրույք |
13.15% | 12.25% |
! Վարկի ոչ նպատակային օգտագործման կամ ներկայացված կեղծ տեղեկատվության ի հայտ գալու դեպքում վարկը կհանվի վարկերի տոկոսադրույքների սուբսիդավորման ծրագրից և վարկի տարեկան անվանական տոկոսադրույքը կփոփոխվի՝ սահմանվելով 24%: | ||
Տարեկան փաստացի տոկոսադրույք |
13.96% | 13.24%-14% |
Վարկի տոկոսադրույքի սուբսիդավորում |
ՀՀ կառավարության 2014 թվականի դեկտեմբերի 18-ի N 1444-Ն որոշմամբ հաստատված սոցիալական աջակցություն ստացող սահմանամերձ բնակավայրերի համար վարկերի տոկոսադրույքների սուբսիդավորումը կիրականացվի այնպիսի չափաքանակով, որպեսզի վարկերը տնտեսավարողներին տրամադրվեն 0% տոկոսադրույքով, գյուղատնտեսական կոոպերատիվների վարկերի տոկոսադրույքների սուբսիդավորումը կիրականցվի այնպիսի չափաքանակով, որպեսզի վարկերը տնտեսավարողներին տրամադրվեն 3% տոկոսադրույքով, հանրապետության մնացած համայնքների համար սուբսիդավորումը կիրականացվի այնպիսի չափաքանակով որպեսզի վարկերը տնտեսավարողներին տրամադրվեն 5% տոկոսադրույքով: |
|
Վարկի տրամադրման վճար |
Չի պահանջվում | |
Տոկոսադրույքի և/կամ մայր գումարի վճարման արտոնյալ ժամկետ |
Մինչև 6 ամիս | |
Ապահովման միջոց/Գրավի առարկա |
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*Ավտոմեքենա |
Ավտոտրանսպորտային միջոց, որի արտադրման տարեթիվը գրավադրման պահին չպետք է լինի ավելի հին, քան՝
|
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**Գյուղտեխնիկա |
Կոմբայն, տրակտոր, բեռնատար, էքսկավատոր և այլ տեխնիկա, որոնց ընդունելիության չափանիշները որոշում է կազմակերպությունը: | |
Վարկ/Գրավ առավելագույն արժեք |
Գրավի իրացվելի արժեքի առավելագույնը 70%-ի չափով | |
Գրավի գնահատում |
Գրավը ենթակա է գնահատման Կազմակերպության հետ համագործակցող գույքի գնահատում իրականացնող անկախ գործակալության և/կամ Կազմակերպության աշխատակցի կողմից։ Կազմակերպության աշխատակցի կողմից գնահատումն իրականացվում է անվճար։ |
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Ժամկետանց մայր գումարի տույժ |
0.1% օրական | |
Ժամկետանց տոկոսի տույժ |
0.13% օրական | |
Վարկի վաղաժամկետ մարման տույժ |
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Այլ տուգանքներ |
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Վարկառու |
18-65 տարեկան Ֆիզիկական անձ, ԱՁ, Իրավաբանական անձ |
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Մարման եղանակ |
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Երրորդ անձանց կողմից մատուցվող ծառայությունները և դրանց վճարներն են.
Ավտոմեքենայի գրավադրման դեպքում.
Անկախ սույն պայմաններում նշված 3-րդ անձանց վճարների դրույքաչափերից, վերջիններիս կողմից մատուցվող ծառայությունների դիմաց վճարները կարող են փոփոխվել:
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PROJECT 2: SPECIAL AGRICULTURAL LOANS
0%
Nominal interest rate
1.000.000 Դ
Loan amount
24 months
Loan term
Not required
Early loan repayment penalty
տոկոսադրույք գումար առավելագույն ժամկետ
Updated on 28-07-2021, 09:00
Loan Currency |
AMD |
Creditor |
Individuals |
Annual nominal interest rate |
12,2%* |
The interest is fully subsidized by the “Rural Areas Economic Development Programmes Implementation Unit” (RAED PIU) |
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Annual percentage rate of the loan |
13.00% |
Loan disbursement fee |
Not required |
Credit terms |
1-24 months |
Grace period of principal amount |
1-9 months |
Loan amount |
AMD 300,001-1,000,000 |
Pledged asset |
· at least 3 Guarantees Natural person / 18-65 years / or Private Entrepreneurs, who shall have no overdue liabilities · At least 2 of the guarantors must be real estate owners or have a registered salary. · The sum of overdue liabilities during the 12 months preceding the time of application shall not exceed 30 days. Other collateral may be required by decision of the Credit Committee |
Loan service monthly fees |
Not charged |
Late loan principal fee |
0.1% daily |
Late interest fee |
0.13% daily |
Loan early repayment |
The borrower has the right to make an early repayment of the loan: fully or partially Early repayment penalty is not applied |
Repayment method |
· Annuity /equated monthly installments to pay off the principal and interest/ · Differentiated / Monthly equal amount of principal and monthly interest payment / · Individual payment schedule |
1. Loan interest is calculated on the active (non-overdue) balance of the loan, based on the calculation of 365 days a year. 2. The loan is provided non-cash by bank transfer or cash. 3. The list of required documents, as well as the list of insurance companies and independent assessors cooperating with the Organization are defined in separate Annexes. 4. The loan is provided at the Head Office of the Organization, "Shrjanayin", "Avan", "Davtashen", "Komitas", "Erebuni","Harav-Arevmtyan", "Armavir", "Artashat", "Masis", "Goris", "Gyumri", " Vanadzor "," Abovyan "," Hrazdan "," Echmiadzin "," Martuni "," Ijevan'' , " Artik''branches. 5. The factors for making a positive loan decision are the following: § Compliance of the Borrower and/or Pledge with the requirements set forth in this document § The borrower shall have no overdue liabilities as of the application submission date § The sum of overdue liabilities during the 12 months preceding the time of application shall not exceed 30 days. § At the time of applying for assistance, the sum of overdue tax liabilities on land tax property tax may not exceed 50,000 AMD 6. The factors for loan rejection are the following: ü Non-compliance of the Borrower and/or Pledge and/or the Guarantor (if any) with the requirements set forth in this document 7. Making a decision on the loan application after submitting the required documents, informing the borrower within 5 working days. 8. Provision of loan within up to 2 working days after submitting all required documents. 9. As a rule, any amount deposited for the purpose of loan repayment is directed by the Organization to the repayment of the amounts to be paid to the Organization by the Customer by virtue of loan agreement at the time of depositing, including penalties, service fees, interest, Loan amount repayment. The organization has the right to define a different order of amounts to be paid in the contract with the Customer. 10. In case of early repayment of the loan by the Customer, the loan interest amounts and the service fees, if any, are proportionally reduced if the latter is accrued on a daily basis, while the payments made to third parties are not subject to reduction. 11. Tariffs for non-financial services, including terms of provision of statements, copies of contracts and other information are published on the official website of the Organization: www.fastcredit.am, as well as posted in the places of business of the Organization. 12. WARNING: IF THE INTEREST AMOUNTS, LOAN AMOUNT, SERVICE FEES ARE NOT PAID IN TIME THE PLEDGED PROPERTY CAN BE CONFISCATED BY THE PROCEDURE ESTABLISHED BY LAW. 13. ATTENTION: IN CASE OF NOT FULFILLMENT OR INCOMPLETE FULFILLMENT OF THE OBLIGATIONS BY YOU, THE ORGANIZATION SENDS THOSE DATA TO THE CREDIT BUREAUWITHIN 3 WORKING DAYS WHERE YOUR CREDIT HISTORY IS FORMED. YOU HAVE THE RIGHT TO GET YOUR CREDIT HISTORY FROM THE CREDIT BUREAU FREE OF CHARGE ONCE EVERY YEAR. ATTENTION: BAD CREDIT HISTORY MAY HINDER RECEIVING A LOAN IN THE FUTURE. 14. ATTENTION: LOAN INTEREST AMOUNTS ARE CALCULATED BASED ON THE NOMINAL INTEREST RATE, WHILE THE ACTUAL ANNUAL INTEREST RATE SHOWS HOW MUCH THE LOAN, INTEREST AMOUNT AND OTHER PAYMENTS WILL COST IN CASE OF PAYING IN THE ESTABLISHED TIME AND AMOUNT. ACTUAL ANNUAL INTEREST RATE CALCULATION PROCEDURE IS POSTED ON THE OFFICIAL WEBSITE OF THE ORGANIZATION (www.fastcredit.am). 15. ATTENTION: YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION IN THE MANNER PREFERRED BY YOU BY MAIL OR ELECTRONICALLY. GETTING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, IS FREE OF RISK OF LOSS OF PAPER INFORMATION AND ENSURES PRIVACY. 16. ATTENTION: YOUR "FINANCIAL DIRECOTRY" IS AN ELECTRONIC SYSTEM THAT MAKES IT EASIER FOR YOU TO SEARCH AND COMPARE SERVICES PROVIDED TO NATURAL PERSONS AND CHOOSE THE MOST EFFECTIVE OPTION FOR YOU. |
updated on 28/07/2021, 09:00