ti amo

Overdraft terms and conditions to the customers purchasing gold items from ti amo shops operating under PE Yerem Oganesyan     



RA citizen and resident individual aged 25 (twenty-five).

Borrower age shall not exceed 60 (sixty). 





Overdraft amount

Maximum loan amount – AMD 1.000.000 or USD 2.000 (provided that the loan is disbursed through DC Super Premium card), AMD 500.000 or USD 1000 ( provided that the loan is disbursed through DC Young Professional card)

Maximum maturity

12 months

Annual interest rate


AMD - 22%

USD– 18%

Overdraft repayments


Equal amortization

Overdraft disbursement mode

Non-cash: paying for the item through POS-terminal installed in the outlet of PE Yerem Oganesyan   

Overdraft purpose

Purchase of gold items

 Card type

DC Young Professional

DC Super Premium

Annual card service fee

AMD 12.000 (DC Young Professional), AMD 18.000 (DC Super Premium)

Upfront fee charged once

Overdraft and interest repayments


Penalty on past-due principle 

0.06% daily


Penalty on past-due interest  

0.07% daily


Annual interest rate on past-due overdraft principle  

Annual interest rate stipulated by the loan agreement

Requirements to the credit history of the Borrower

Lack of past-due liabilities within 24 months prior to the loan application as well as the total of past-due liabilities shall not exceed 30 days 

Overdraft service fee paid by the Borrower

Upfront fee charged once on the day the overdraft application is accepted – AMD 1.000

Credit rating

Positive credit history, registered income or permanent employment

Required documents

Borrower passport, social security card