Special offer for graduates of Eurnekian School
The Bank offers a package of special banking instruments to graduates of Eurnekian School.
If the graduate is a student
Student card |
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Annual service fee for the card | AMD 0 |
Provision of cash at encashment points and ATMs of the Bank | 0% |
Credit limit |
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Annual nominal interest rate | AMD-15%, USD-14% Euro-13% |
Type of credit limit | Revolving, without a grace period |
Maximum amount of the credit limit1 |
Up to AMD 200 thousand or its equivalent in foreign currency, without any evidence of income, secured with the guarantee of one creditworthy parent and/or 1 person interrelated with the parents |
n case of submission of an evidence of income - up to AMD 400 thousand, but not more than three-fold of net salary /if necessary, the guarantee of a creditworthy third party can be requested/ | |
Maturity | 60 months, with reissuance right |
If the graduate isn’t a student
Student card | |
Annual service fee for the card | AMD 0 |
Provision of cash at encashment points and ATMs of the Bank | 0% |
Credit limit | |
Annual nominal interest rate | AMD-15%, USD-14% Euro-13% |
Type of credit limit | Revolving, without a grace period |
Maximum amount of the credit limit1 | Up to AMD 200 thousand or its equivalent in foreign currency, without any evidence of income, secured with the guarantee of one creditworthy parent and/or 1 person interrelated with the parents |
In case of submission of an evidence of income - up to AMD 400 thousand, but not more than three-fold of net salary /if necessary, the guarantee of a creditworthy third party can be requested/ | |
Maturity | 36 months, with reissuance right |
1If the student and/or the graduate is employed at the time of provision of the credit limit or after its provision until expiry of its validity term, in case of submission of the required documents, the limit can be increased up to three-fold of the net salary.
General provisions and conditions
Loans disbursed to graduates or their family members2 for the purpose of acquisition, construction, or renovation of residential real estate, or purchase of a car |
Interest rate of loans disbursed from the Bank’s own resources | By 1 percentage point lower than the current interest rate |
Interest rate of loans disbursed within the framework of the program “Apartment for Youth” for the purpose of acquisition of residential real estate | By 0.25 percentage point lower than the current interest rate | |
Interest rate of loans disbursed for the purpose of acquisition, construction, or renovation of residential real estate, refinanced by the First Mortgage Company | By 0.25 percentage point lower than the current interest rate | |
Restrictions |
At the time of provision of the credit limit, the borrower and the guarantor shall not have:
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Տույժ/Տուգանք |
In case of violation of the repayment terms envisaged by the agreement, the Borrower shall pay penalty to the Bank, for each day of delay:
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List of necessary documents to be submitted to the Bank |
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Conditions |
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2 Parent, sister, brother