Terms and conditions of overdraft disbursed through Home Card consumer payment cards


RA citizen and resident individual, with the employer of which the Bank carries out a salary project or the employer of which has a positive business reputation/high rating or whose revenue is acceptable for the Bank   

Overdraft currency


Overdraft maximum maturity

36 months

Annual interest rate


Overdraft amount

Based on the credit rating, however, not exceeding AMD 1.000.000 

Card type

DC Young Professional

Interest repayments


Overdraft repayments

Equal amortization

Annual interest rate on past-due overdraft principle   

CBA settlement interest rate

Penalty on past-due interest    

0.07% daily

Penalty on past-due principle   

0.06% daily

Payment card effective period

36 months

Annual service fee of the payment card

AMD 4 000

Requirements to the credit history of the Borrower 

Lack of past-due or classified liabilities as of the date of loan application and the total of past-due liabilities, 24 days prior to submitting the loan application, shall not exceed 30 days.                   

Required documents

Passport and social security card
Reference on the position held, salary and work experience in the given company