Կայքը գտնվում է վերափոխման փուլում
JEWELRY PLEDGE LOANS
24%
Nominal interest rate
500.000.000 Դ
Վարկի առավելագույն գումար
Loan amount
Տարեկան անվանական Վարկի առավելագույն Վարկի մարման Վարկի տրամադրում
60 months
Վարկի տրամադրման ժամկետ
Loan term
15 min
for providing a loan
for providing a loan
updated 26-05-2022, 12:00
|
Standard annuity |
Privileged (temporarily suspended) |
+30% for "A" class customers |
+50% (temporarily suspended) |
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Loan term |
24 months |
12-60 months |
12-24 months |
12-60 months |
|||||||||||||||
Grace period of maturity |
23 months |
not defined |
11-23 months |
not defined |
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Grace period for interest rate |
not defined |
not defined |
up to 5 months |
not defined |
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Loan currency |
AMD |
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Payments |
Free repayment schedule |
|
Free repayment schedule |
Annuity |
Annuity |
||||||||||||||
Annual nominal interest rate |
24% ` |
24% |
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|
|||||||||||||||||||
Loan amount |
From 5,000 to 500,000,000 AMD |
From 100,000 to 500,000,000 AMD |
From 50,000 to 500,000,000 AMD |
From 130,000 to 2,200,000 AMD |
From 100,000 to 1,500,000 AMD |
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"B" class loans-110,0005,500,000 AMD |
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Loan service fee |
12% per-year` 5,000-99,999 AMD6% per-year` 100,000-999,999 AMD |
6% per-year` 100,000-999,999 AMD
|
Not charged |
6% per-year` 100,000-999,999 AMD |
|||||||||||||||
Loan to value maximum ratio |
· up to 100% · Up to 110% for “B” class customers |
up to 90% |
up to 130% |
up to 150% |
|||||||||||||||
Loan Provision Fee |
Not charged |
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|
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Creditor |
· RA resident and non-resident individuals over 18 years of age · In case of +50% credit- Armenian citizens aged 23-60 years |
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Required Documents |
Personal identification document |
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|
IntroductionØ At the moment of lending to the Class A customers of the Organization, the gross balance of the loans provided per borrower line at these tariffs and the newly provided loan (including foreign currency) shall not exceed 2,200,000 AMD. Ø At the moment of lending to the Class B customers of the Organization, the gross balance of the loans provided per borrower line at these tariffs and the newly provided loan (including foreign currency) shall not exceed 5,500,000 AMD. Ø In case of + 50% loan type, the gross balance of the loans provided per borrower line at these tariffs and the newly provided loan (including foreign currency) at the moment of lending shall not exceed 1,500,000 AMD. 1. The pledge is assessed according to the gold rating scale. 2. The loan interest and service fees are calculated in relation to the actual loan balance. 3. The loan is provided in cash, in lump sum. 4. Required documents: Ø Identification document 5. The loan is provided in all branches of the Organization. 6. Factors for a positive decision to provide loan are the following: Ø Compliance of the Borrower and Pledge to the requirements set forth in this document. 7. The factors for rejecting the loan are the following: Ø Incompliance of the Borrwer and/ or Plegde to the requirements set forth in this document. 8. Making a decision on the loan application after submitting the required documents, informing the Customer and provision of loan within 1-5 minutes. Depending on the number of gemstones the time may vary. 9. In case of full repayment of the loan, the gold items pledged for the given loan shall be returned to the pledgor at least on the day following the repayment date. 10.As a rule, any amount credited 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 crediting, 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. 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. |
JEWELRY PLEDGE LOANS
24% 500.000.000 ֏ 60months 15minutes
Nominal interest Loan Loan for providing
rate amount term a loan
updated 26-05-2022, 12:00
|
Standard annuity |
Privileged (temporarily suspended) |
+30% for "A" class customers |
+50% (temporarily suspended) |
|||||||||||||||
Loan term |
24 months |
12-60 months |
12-24 months |
12-60 months |
|||||||||||||||
Grace period of maturity |
23 months |
not defined |
11-23 months |
not defined |
|||||||||||||||
Grace period for interest rate |
not defined |
not defined |
up to 5 months |
not defined |
|||||||||||||||
Loan currency |
AMD |
||||||||||||||||||
Payments |
Free repayment schedule |
|
Free repayment schedule |
Annuity |
Annuity |
||||||||||||||
Annual nominal interest rate |
24% |
24% |
|||||||||||||||||
|
|||||||||||||||||||
Loan amount |
From 5,000 to 500,000,000 AMD |
From 100,000 to 500,000,000 AMD |
From 50,000 to 500,000,000 AMD |
From 130,000 to 2,200,000 AMD |
From 100,000 to 1,500,000 AMD |
||||||||||||||
"B" class loans- 110,000-5,500,000 AMD |
|||||||||||||||||||
Loan service fee |
12% per-year` 5000-99,999 AMD 6% per-year` 100,000-999,999 AMD |
6% per-year` 100,000-999,999 AMD
|
Not charged |
6% per-year` 100,000-999,999 AMD
|
|||||||||||||||
Loan to value maximum ratio |
· up to 100% · Up to 110% for “B” class customers |
up to 90% |
up to 130% |
up to 150% |
|||||||||||||||
Loan Provision Fee |
Not charged |
||||||||||||||||||
|
|||||||||||||||||||
Creditor |
· RA resident and non-resident individuals over 18 years of age · In case of +50% credit- Armenian citizens aged 23-60 years |
||||||||||||||||||
Required Documents |
Personal identification document |
||||||||||||||||||
|
IntroductionØ At the moment of lending to the Class A customers of the Organization, the gross balance of the loans provided per borrower line at these tariffs and the newly provided loan (including foreign currency) shall not exceed 2,200,000 AMD. Ø At the moment of lending to the Class B customers of the Organization, the gross balance of the loans provided per borrower line at these tariffs and the newly provided loan (including foreign currency) shall not exceed 5,500,000 AMD. Ø In case of + 50% loan type, the gross balance of the loans provided per borrower line at these tariffs and the newly provided loan (including foreign currency) at the moment of lending shall not exceed 1,500,000 AMD. 1. The pledge is assessed according to the gold rating scale. 2. The loan interest and service fees are calculated in relation to the actual loan balance. 3. The loan is provided in cash, in lump sum. 4. Required documents: Ø Identification document 5. The loan is provided in all branches of the Organization. 6. Factors for a positive decision to provide loan are the following: Ø Compliance of the Borrower and Pledge to the requirements set forth in this document. 7. The factors for rejecting the loan are the following: Ø Incompliance of the Borrwer and/ or Plegde to the requirements set forth in this document. 8. Making a decision on the loan application after submitting the required documents, informing the Customer and provision of loan within 1-5 minutes. Depending on the number of gemstones the time may vary. 9. In case of full repayment of the loan, the gold items pledged for the given loan shall be returned to the pledgor at least on the day following the repayment date. 10.As a rule, any amount credited 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 crediting, 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. 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. |
updated on 26/05/2022, 12:00