Online Banking
Overdraft with gold as collateral

Overdraft with gold as collateral


Gold-backed overdrafts by MasterCard Standard and Visa Classic cards. 

  • Currency


  • Maxsimum amount

    Equal to AMD 1.500.000 USD currency

  • Period

    70-370 days

  • Interest rate


Currency OVERDRAFT Loan term Loan-to-value ratio Interest rate (annual) Cards Interest rate (annual) Card minimum balance

Minimum: USD equivalent to AMD 100.000, Maximum: USD equivalent to AMD 1.500.000

70-100 day

101-190 day

191-370 day

95% of the appraised value

90% of the appraised value

85% of the appraised value

11% MasterCard Standart և Visa Classic
AMD 2 000 

Front end fee for the analysis of overdraft application, loan account processing and service fee shall be charged: 

  •  AMD 1.500 for the loan amount of up to USD 500
  •  AMD 2.500 for the loan amount of USD 501-1.500
  •  AMD 3.500 for the loan amount of USD 1.501-3.000
  •  AMD 5.000 for the loan amount of USD 3.001 -5.000

Attention: Loan interest rates shall accrue based on the nominal interest rate, while the effective annual interest rate shall show how much the loan will cost to you in case interests and other mandatory payments with regards to loan disbursement and service are repaid in due amounts and specified timelines.

The effective annual interest rate may change depending on the change of the exchange rate value published on the official website of the Central Bank of the Republic of Armenia.

Where the loan is disbursed in foreign currency, changes in exchange rate may affect the loan repayments.

Gold prices
Gold karat Value per gram of gold (AMD)
585 17.500
750 21.700
875 24.700
916 25.700
958 26.700
999 28.200
Required documents
  • Passport 
  • Social security card․
Useful information

Please follow the Armenian version



Your property (house, vehicle, or other) may be confiscated in the manner provided for by law where you fail to repay your interests and principal in time.

Where you fail to perform your loan obligations, the loan security, as well as another property of the borrower if the former is insufficient, may be seized and sold in a court or out-of-court procedure both through direct sale and public auction.

Where you fail to perform your obligations either fully or partially, the Lender shall send those data to the credit bureau within a three-day period, where your credit history is generated. You shall have the right to obtain your credit history from the bureau free of charge. Attention: A bad credit history may hinder lending in the future.  

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Loan amount


Annual interest rate

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Financial assistant
ABC finance

Page updated 10.08.2020 | 14:05

In case of discrepancy between Armenian and English versions of the information, the priority is given to the Armenian version.