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Gold-Backed Loans

Loan with pledge of gold "Three 9"

The loan is provided to RA citizens and/or residents for consumer purposes.

Terms and conditions of lending:

Loan currency AMD
Minimum amount  starting from AMD 50,000





Procedure of repayment of the loan and interest amount, maturity, loan/collateral ratio, and interest rate

 Procedure of repayment  Maturity Loan/collateral  Interest rate
Annuity repayment 6-36 months, inclusive  100% 15%
Monthly payment of accrued interest and repayment of the principal amount at the end of the maturity term

3-36 months, inclusive



Preliminarily payment of the total interest amount and repayment of the principal amount at the end of the maturity term

 3-6 months, inclusive   100% 13.5%
6-8 months, inclusive  98% 16.5%

Credit account service fee

 Is charged from the Customer once, at the time of disbursement of the loan, according to the scale below:

  • for amount up to AMD 50,000  - AMD 1,000,000 - 1.75%
  • for amount of AMD1,000,001 and more - 1%

Current prices of appraisal of one gram of pledged gold items according to carats (as scrap) in case of AMD and foreign currency credit cards secured with pledge of gold and loans secured with pledge of gold

General provisions and conditions


Upon default of payment of principal and/or interests, the Borrower pays the Bank a penalty at 0.13% of the overdue principal and interest for each day of delay.


Pledged gold items

List of required documents to be submitted to the Bank

  • Loan application in the form applied at the Bank;
  • Originals of the personal identification document, public services number /a reference on absence of a PSN/, or identification card


Loan interest amount is calculated on the basis of the nominal interest rate. The annual effective interest rate shows the cost of the loan for you, in case of timely payment of the required size of interest amount and other payments. The manner of calculation of the annual effective interest rate can be seen at the following link:

The loan is disbursed at the head office and the branches.