MasterCard Standart and VISA Classic plastic cards overdraft with gold as collateral


 

Currency OVERDRAFT Loan term Loan-to-value ratio Interest rate (annual) Cards Interest rate (annual) The card minimum balance
USD Minimum: USD equivalent to AMD 100.000, Maximum: USD equivalent to AMD 1.500.000 70-100 day 95% of the appraised value 11% MasterCard Standart և Visa Classic
2 000 ՀՀ դրամ

      -
101-190 day 90% of the appraised value
191-370 day 85% of the appraised value

Notification
- Interest shall be charged at the point of loan disbursement,
- One-time commission fee in the amount of AMD1.500 shall be charged for gold appraisal,
- One-time commission fee in the amount of AMD1.000 shall be charged for gold appraisal at the point of agricultural loan disbursement in Stepanakert branch,
- Agricultural loans shall be disbursed in Stepanakert, Abovyan, Gyumri, Tsaghkadzor, Dilijan, Artashat, Echmiatsin, Vanadzor, Armavir and Sevan branches. 

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,
- AMD 7.000 for the loan amount of over USD 5.001.

 

Gold karat

Value per gram of gold (AMD)

585

10.900

750

14.100

875

16.500

916

17.000

958

18.100

999

18.800

 

SMS service

terms and conditions

*SMS on card expiry

*SMS on loan or overdraft expiry date upon customer request

*SMS on the deduction date and amount of the line of credit or overdraft upon customer request

*SMS on annual service fee

*SMS on the monthly repayment of loan or overdraft upon customer request

 

 

 

    AMD 30.00

 




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