+374 10 510 000
+374 43 510 003
Կայքը գտնվում է վերափոխման փուլում
REAL ESTATE PLEDGE LOANS
16% 30.000.000 ֏ 84 months Not required Up to 70%
Nominal interest Loan Loan Early loan of the liquid value
rate amount term repayment penalty of the property
updated 07-05-2022, 09:00
|
Loan Type |
Based on documented income |
Without substantiated income |
|
|
Loan currency |
AMD |
|
|
|
Loan term |
36-84 months
|
|
|
|
Loan amount |
1,000,000 - 30,000,000 AMD |
1,000,000 - 20,000,000 AMD |
|
|
Annual nominal interest rate of the loan
|
16% |
18% |
|
|
Annual percentage rate of the loan |
17,10% - 21,2% |
19,0% - 23,8% |
|
|
Please be informed that this type of loan has a high annual actual interest rate, so consider other similar services available in the market in advance and evaluate your loan repayment opportunities. |
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Pledged asset |
Real property
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|
|
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Loan disbursement fee / lump sum/ |
Not required |
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|
|
Repayment method |
|
|
|
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Late loan principal fee |
0.1% daily |
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|
|
Late interest fee |
0.13% daily |
|
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|
Loan early repayment |
|
|
|
|
Loan to collateral value maximum ratio |
Maximum up to 70% of liquid value of collateral |
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|
|
Pledge appraisal |
The pledge is subject to appraisal by an independent property appraisal agency cooperating with the Organization / or an employee of the Organization. The evaluation is performed by the employee of the organization free of charge. |
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|
Guarantee |
Natural person/Legal entity (required if necessary) |
|
|
|
Borrower |
RA citizen resident natural person aged 18-65 |
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|
! Prior to the conclusion of the contract, the Company will provide you with an individual sheet of essential terms of the consumer loan, which presents the essential terms of the loan to be provided to you. |
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Introduction 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: ü Certificate on real estate restrictions - 10,000 AMD, ü Fee of state registration of rights - 26,000 AMD, ü Fee of notarial ratification of contract - 16,000-20,000 AMD, 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 in cash, non-cash, lump sum. 6. 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" , " Kapan" branches. 7. 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 and shall The sum of overdue liabilities during the 12 months preceding the time of application shall not exceed 60 days. 8. 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 9. Making a decision on the loan application after submitting the required documents, informing the borrower within 5 working days. 10. Provision of loan within up to 2 working days after submitting all required documents. 11. 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. 12. 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. 13. 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. 14. 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. 15. 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. 16. 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). 17. 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. 18. 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. |
REAL ESTATE PLEDGE LOANS
16%
Nominal interest rate
30.000.000 ֏
Loan amount
84 months
Loan term
Not required
Early loan repayment penalty
Up to 70%
of the liquid value of the property
Nominal interest Loan Loan Early loan of liquid value
rate amount term repayment penalty of collateral
updated 07-05-2022, 09:00
|
Loan Type |
Based on documented income |
Without substantiated income |
|
|
Loan currency |
AMD |
|
|
|
Loan term |
36-84 months
|
|
|
|
Loan amount |
1,000,000 - 30,000,000 AMD |
1,000,000 - 20,000,000 AMD |
|
|
Annual nominal interest rate of the loan
|
16% |
18% |
|
|
Annual percentage rate of the loan |
17,10% - 21,2% |
19,0% - 23,8% |
|
|
Please be informed that this type of loan has a high annual actual interest rate, so consider other similar services available in the market in advance and evaluate your loan repayment opportunities. |
|
||
|
Pledged asset |
Real property
|
|
|
|
Loan disbursement fee / lump sum/ |
Not required |
|
|
|
Repayment method |
|
|
|
|
Late loan principal fee |
0.1% daily |
|
|
|
Late interest fee |
0.13% daily |
|
|
|
Loan early repayment |
|
|
|
|
Loan to collateral value maximum ratio |
Maximum up to 70% of liquid value of collateral |
|
|
|
Pledge appraisal |
The pledge is subject to appraisal by an independent property appraisal agency cooperating with the Organization / or an employee of the Organization. The evaluation is performed by the employee of the organization free of charge. |
|
|
|
Guarantee |
Natural person/Legal entity (required if necessary) |
|
|
|
Borrower |
RA citizen resident natural person aged 18-65 |
|
|
|
! Prior to the conclusion of the contract, the Company will provide you with an individual sheet of essential terms of the consumer loan, which presents the essential terms of the loan to be provided to you. |
|||
|
Introduction 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: ü Certificate on real estate restrictions - 10,000 AMD, ü Fee of state registration of rights - 26,000 AMD, ü Fee of notarial ratification of contract - 16,000-20,000 AMD, 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 in cash, non-cash, lump sum. 6. 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" , " Kapan" branches. 7. 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 and shall The sum of overdue liabilities during the 12 months preceding the time of application shall not exceed 60 days. 8. 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 9. Making a decision on the loan application after submitting the required documents, informing the borrower within 5 working days. 10. Provision of loan within up to 2 working days after submitting all required documents. 11. 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. 12. 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. 13. 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. 14. 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. 15. 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. 16. 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). 17. 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. 18. 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 07/05/2022, 09։00