Credit terms
In case of buying smartphone over 30,000 AMD the credit will be established through "ACBA BANK", "UNIBANK", "INECOBANK" and "VTB-Armenia Bank"(online credit). Here you can learn more about credit terms.
| ACBA BANK | UNIBANK | INECOBANK | VTB-Armenia Bank (online credit) | |||
| Age | 20-65 | 21-65 | 21-70 | 18-70 | ||
| Yearly interest rate | 21.6% |
21,5% 0%0%0,99%+, The annual interest rate is 0%, the monthly commission is 0.99% of the amount provided, starting from the 13th month. The request is submitted for a period of at least 36 months. |
19-21,7% Exclusive 12 - 0%0%0% , The first 12 months 0%0%0%, starting from the 13th month 18%, maintenance 0.8% The request is submitted for a period of 36 months. |
0%-21.5% | ||
| Monthly clearing comission | 0% | 0,99% | 0% | 0%-1% | ||
| Length of credit (months) | 3-36 | Only 36 | 3-48 | 3-36 | ||
| Maximum amount of credit | 3,500,000 AMD | 1,500,000 AMD | 5,000,000 AMD | 1,000,000 AMD | ||
| Minimum amount of credit | 30,000 AMD | 30,000 AMD | 30,000 AMD | 30,000 AMD | ||
| Required documents | Passport or ID-card and social card | Passport or ID-card and social card | Passport or ID-card and social card | Passport or ID-card and social card | ||
| Actual registration | Yes | Yes | Yes | Yes | ||
| NKR registration | Yes, in the case of the original certificate of actual residence in the Republic of Armenia | Yes | Yes | Yes, if lives and works in the Republic of Armenia | ||
| Amount of smartphones per customer | 2 | 2 | 2 | 2 | ||
| Second sale to the same customer | No more than 2 | No more than 2 | 2 smartphones can be issued if the total amount does not exceed 300,000 AMD | One smartphone worth up to AMD 100,000 and one smartphone worth over AMD 100,001 can be purchased. | ||
| Registered employee | Not required | Not required | Not required | Required | ||
| If the subscriber does not know how to write in Armenian and fills out the form by hand in another language, is there a loan? | Not acceptable | Acceptable after approval from translator | Acceptable if written in Russian/English language | Not acceptable | ||
| Actual loan interest rate | 23,80% - 23,95% |
|
From 20.7 to 23.94% | 0% - 24% | ||
| Credit web page | https://www.acba.am/hy/individuals/loans/installment-loan | https://www.unibank.am/hy/service/consumer/099plus/ https://www.unibank.am/hy/service/consumer/099/ |
www.inecobank.am | https://www.vtb.am/am/credits/installments/installments-loan/ | ||
| Bank website address | https://www.acba.am | https://www.unibank.am | www.inecobank.am | www.vtb.am | ||
| Bank contact information | (37410) 31-88-88 |
(37410) 59-22-59; 59 55 55 |
(37410) 51-05-10 |
(374 8000) 87-87, headoffice@vtb.am |
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| Note | ACBA bank is controlled by CBA |
UNIBANK is controlled by CBA |
INECOBANK is controlled by CBA |
VTB-Armenia bank is controlled by CBA |