MORTGAGE LOANS WITHIN THE NATIONAL MORTGAGE COMPANY PROGRAM
10․5%
Nominal interest rate
60.000.000 ֏
Loan amount
7.5%
Minimal purchase
240months
Loan term
Not required
Early loan repayment penalty
updated 20-12-2021, 15:00
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Loan currency |
AMD |
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Loan term |
120-240 months |
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Annual nominal interest rate of the loan
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Up to 35 million
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Annual percentage rate of the loan |
10,70% - 15,60% |
10,90% - 17,50% |
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! For employees of "Fast Credit Capital" UCO CJSC and the organizations affiliated with it, the rate is 1 percentage point lower than the annual nominal interest rate set for this type of loan. |
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Loan amount |
AMD 1 000 000 – 60 000 000
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Loan disbursement fee |
Not required |
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Late loan principal fee |
0.1% daily |
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Late interest fee |
0.13% daily |
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Loan early repayment |
The borrower has the right to make an early repayment of the loan: fully or partially Early repayment penalty is not applied |
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! Before signing the agreement, the Organization will provide you with an individual leaflet on the essential terms of the mortgage loan, where the essential terms of the loan to be provided will be presented.
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Pledged asset |
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Prepayment
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· Minimum 30% of the appraised market value of the property · Or 10%, if: 1․ additional residential real property is pledged or 2 there is liability insurance amounting to the difference between 30% of the appraised market value of the purchased residential real property and 10 or more percent of the prepayment made by the Borrower Or 7.5% up to 35 million for unmarried borrowers under 30 if the property is purchased from the constructor, if: 1․ additional residential real property is pledged or 2․ there is liability insurance amounting to the difference between 30% of the appraised market value of the purchased residential real property and 7.5 or more percent of the prepayment made by the Borrower |
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Loan/Pledge maximum value |
· 70% of the appraised market value of the property · Or 90%, if: 1․additional residential real property is pledged, and the Loan amount can't be more than 70% of the total real property value or 2․ there is liability insurance amounting to the difference between 30% of the appraised market value of the purchased residential real property and 10 or more percent of the prepayment made by the Borrower Or 92.5% up to 35 million for unmarried borrowers under 30 if the property is purchased from the constructer, if: 1․ additional residential real property is pledged, and the Loan amount can't be more than 70% of the total real property value or 2․ there is liability insurance amounting to the difference between 30% of the appraised market value of the purchased residential real property and 7.5 or more percent of the prepayment made by the Borrower |
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Pledge appraisal |
The pledge is subject to appraisal by an independent property appraisal agency cooperating with the Organization. |
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Guarantee |
Natural person/Legal entity (required if necessary) |
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Insurance |
· Real property insuarance: Purchased/Under construction/Renovated · Borrower’s accident insurance ! Insurance is provided in the amount of the loan balance in favor of the Organization for the entire period of the Loan validity. |
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Borrower |
RA citizen resident natural person aged 18-65 |
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Repayment method |
Annuity /equated monthly installments to pay off the principal and interest/ |
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* In the case of loans for purchase, the seller and the buyer cannot be members of the same family. Moreover, in the context of these conditions, family members shall be considered the father, mother, spouse, spouse’s parents, grandmother, grandfather, sister, brother, children, spouse and children of sister, brother. |
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Introduction 1. In order to use the services provided within the framework of these tariffs, the Borrower shall pay the following amount for the services provided by the third parties mentioned below: ü Certificate on real estate restrictions - 10,000 AMD, ü Fee of state registration of rights - 26,000 - 52,000 AMD, ü Fee of notarial ratification of contract - 12,000-30,000 AMD, ü Real estate insurance fee in relation to 0.15% -0.18% of the loan balance, ü Accident insurance fee in relation to 0.15% -0.18% of the loan balance, ü Insurance fee for outstanding prepayment amount (OPA) in relation to 2%-3% of actual balance of OPA/ valid until full repayment of OPA/ ü Pledged property assessment fee - 15,000-25,000 AMD. 2. Regardless of the third party fee rates mentioned in these terms, the fees for the services provided by the latter may change. 3. Loan interest is calculated on the active (non-overdue) balance of the loan, based on the calculation of 365 days a year. 4. The loan is provided in cash, non-cash, in lump sum in case of purchase from the secondary market, and it can be provided in installments / tranches in case of purchase from the primary market, moreover the last stage of the loan in installments must be provided in case of 80% and above completion degree of real estate. 5. The list of required documents, as well as the list of insurance companies and independent assessors cooperating with the Organization are defined in separate Annexes. 6. The loan is provided at the Head Office of the Organization, "Shrjanayin", "Avan", "Davtashen", "Komitas", "Erebuni", "Harav-Arevmtyan", "Armavir", "Artashat", "Masis", "Goris", "Gyumri", " Vanadzor "," Abovyan "," Hrazdan "," Echmiadzin "," Martuni "," Ijevan " , " Artik" branches. 7. The factors for making a positive loan decision are the following: § Compliance of the Borrower, Pledge and Guarantor (if any) with the requirements set forth in this document § The borrower shall have no overdue liabilities as of the application submission date and shall be classified as "Standard" § The sum of overdue liabilities during the 12 months preceding the time of application shall not exceed 30 days. 8. The factors for loan rejection are the following: ü Non-compliance of the Borrower and/or Pledge and/or the Guarantor (if any) with the requirements set forth in this document 9. Making a decision on the loan application after submitting the required documents, informing the borrower within 5 working days. 10. Provision of loan within up to 2 working days after submitting all required documents. 11. As a rule, any amount deposited for the purpose of loan repayment is directed by the Organization to the repayment of the amounts to be paid to the Organization by the Customer by virtue of loan agreement at the time of depositing, including penalties, service fees, interest, Loan amount repayment. The organization has the right to define a different order of amounts to be paid in the contract with the Customer. 12. In case of early repayment of the loan by the Customer, the loan interest amounts and the service fees, if any, are proportionally reduced if the latter is accrued on a daily basis, while the payments made to third parties are not subject to reduction. 13. Tariffs for non-financial services, including terms of provision of statements, copies of contracts and other information are published on the official website of the Organization: www.fastcredit.am, as well as posted in the places of business of the Organization. 14. WARNING: IF THE INTEREST AMOUNTS, LOAN AMOUNT, SERVICE FEES ARE NOT PAID IN TIME THE PLEDGED PROPERTY CAN BE CONFISCATED BY THE PROCEDURE ESTABLISHED BY LAW. 15. ATTENTION: IN CASE OF NOT FULFILLMENT OR INCOMPLETE FULFILLMENT OF THE OBLIGATIONS BY YOU, THE ORGANIZATION SENDS THOSE DATA TO THE CREDIT BUREAUWITHIN 3 WORKING DAYS WHERE YOUR CREDIT HISTORY IS FORMED. YOU HAVE THE RIGHT TO GET YOUR CREDIT HISTORY FROM THE CREDIT BUREAU FREE OF CHARGE ONCE EVERY YEAR. ATTENTION: BAD CREDIT HISTORY MAY HINDER RECEIVING A LOAN IN THE FUTURE. 16. ATTENTION: LOAN INTEREST AMOUNTS ARE CALCULATED BASED ON THE NOMINAL INTEREST RATE, WHILE THE ACTUAL ANNUAL INTEREST RATE SHOWS HOW MUCH THE LOAN, INTEREST AMOUNT AND OTHER PAYMENTS WILL COST IN CASE OF PAYING IN THE ESTABLISHED TIME AND AMOUNT. ACTUAL ANNUAL INTEREST RATE CALCULATION PROCEDURE IS POSTED ON THE OFFICIAL WEBSITE OF THE ORGANIZATION (www.fastcredit.am). 17. ATTENTION: YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION IN THE MANNER PREFERRED BY YOU BY MAIL OR ELECTRONICALLY. GETTING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, IS FREE OF RISK OF LOSS OF PAPER INFORMATION AND ENSURES PRIVACY. 18. ATTENTION: YOUR "FINANCIAL DIRECOTRY" IS AN ELECTRONIC SYSTEM THAT MAKES IT EASIER FOR YOU TO SEARCH AND COMPARE SERVICES PROVIDED TO NATURAL PERSONS AND CHOOSE THE MOST EFFECTIVE OPTION FOR YOU. |
MORTGAGE LOANS
11%
Nominal interest rate
800.000$
Loan amount
30%
Minimal purchase
120months
Loan term
Not required
Early loan repayment penalty
updated 07-05-2022, 09:00
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Loan currency |
USD |
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Loan term |
36-120* months
*By the decision of the Credit Committee, the loan may be approved for a shorter period than the specified minimum period |
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Annual nominal interest rate of the loan |
12% (fixed): 4 000-99 999** USD 11% (fixed): 100 000-800 000 USD
**By the decision of the Credit Committee, the loan may be approved for less than the specified minimum amount |
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Annual percentage rate of the loan |
12.50% - 14.90% 11.40% - 11.60% |
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Loan disbursement fee / lump sum/ |
Not required |
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Loan service monthly fees |
Not required |
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Loan amount |
4 000 – 800 000 USD |
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Late loan principal fee |
0.1% daily |
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Late interest fee |
0.13% daily |
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Loan early repayment |
· The borrower has the right to make an early repayment of the loan: fully or partially · Early repayment penalty is not applied |
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! Before signing the agreement, the Organization will provide you with an individual leaflet on the essential terms of the mortgage loan, where the essential terms of the loan to be provided will be presented.
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Pledged asset |
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Loan to collateral value maximum ratio |
Maximum up to 70% of liquid value of collateral |
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Pledge appraisal |
· The pledge is subject to appraisal by an independent property appraisal agency cooperating with the Organization and / or an employee of the Organization. The evaluation is carried out by the employee of the organization free of charge. |
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Borrower |
RA citizen resident natural person aged 18-65 |
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Guarantee |
Natural person/Legal entity (required if necessary) |
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Borrower |
RA citizen resident natural person aged 18-65 |
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Repayment method |
Annuity /equated monthly installments to pay off the principal and interest/ |
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Introduction 1. In order to use the services provided within the framework of these tariffs, the Borrower shall pay the following amount for the services provided by the third parties mentioned below: ü Certificate on real estate restrictions - 10,000 AMD, ü Fee of state registration of rights - 26,000 ü Fee of notarial ratification of contract - 16,000-20,000 AMD, 2. Regardless of the third party fee rates mentioned in these terms, the fees for the services provided by the latter may change. 3. Loan interest is calculated on the active (non-overdue) balance of the loan, based on the calculation of 365 days a year. 4. The loan is provided in cash, non-cash, in lump sum. 5. The list of required documents, as well as the list of insurance companies and independent assessors cooperating with the Organization are defined in separate Annexes. 6. The loan is provided at the Head Office of the Organization, "Shrjanayin", "Avan", "Davtashen", "Komitas", "Erebuni", "Arav-Arevmtyan", "Armavir", "Artashat", "Masis", "Goris", "Gyumri", " Vanadzor "," Abovyan "," Hrazdan "," Echmiadzin "," Martuni "," Ijevan " , " Artik" branches. 7. The factors for making a positive loan decision are the following: § Compliance of the Borrower, Pledge and Guarantor (if any) with the requirements set forth in this document § The borrower shall have no overdue liabilities as of the application submission date and shall The sum of overdue liabilities during the 12 months preceding the time of application shall not exceed 60 days. 8. The factors for loan rejection are the following: ü Non-compliance of the Borrower and/or Pledge and/or the Guarantor (if any) with the requirements set forth in this document 9. Making a decision on the loan application after submitting the required documents, informing the borrower within 5 working days. 10. Provision of loan within up to 2 working days after submitting all required documents. 11. As a rule, any amount deposited for the purpose of loan repayment is directed by the Organization to the repayment of the amounts to be paid to the Organization by the Customer by virtue of loan agreement at the time of depositing, including penalties, service fees, interest, Loan amount repayment. The organization has the right to define a different order of amounts to be paid in the contract with the Customer. 12. Changes in foreign exchange rates can affect loan repayments as well as the actual annual interest rate. 13. The basis for calculating the interest rates on foreign currency loans (if available, service fees, fines, penalties), as well as the actual annual interest rate, is the current exchange rate set by the Central Bank of the Republic of Armenia. 14. In case of early repayment of the loan by the Customer, the loan interest amounts and the service fees, if any, are proportionally reduced if the latter is accrued on a daily basis, while the payments made to third parties are not subject to reduction. 15. Tariffs for non-financial services, including terms of provision of statements, copies of contracts and other information are published on the official website of the Organization: www.fastcredit.am, as well as posted in the places of business of the Organization. 16. WARNING: IF THE INTEREST AMOUNTS, LOAN AMOUNT, SERVICE FEES ARE NOT PAID IN TIME THE PLEDGED PROPERTY CAN BE CONFISCATED BY THE PROCEDURE ESTABLISHED BY LAW. 17. ATTENTION: IN CASE OF NOT FULFILLMENT OR INCOMPLETE FULFILLMENT OF THE OBLIGATIONS BY YOU, THE ORGANIZATION SENDS THOSE DATA TO THE CREDIT BUREAUWITHIN 3 WORKING DAYS WHERE YOUR CREDIT HISTORY IS FORMED. YOU HAVE THE RIGHT TO GET YOUR CREDIT HISTORY FROM THE CREDIT BUREAU FREE OF CHARGE ONCE EVERY YEAR. ATTENTION: BAD CREDIT HISTORY MAY HINDER RECEIVING A LOAN IN THE FUTURE. 18. ATTENTION: LOAN INTEREST AMOUNTS ARE CALCULATED BASED ON THE NOMINAL INTEREST RATE, WHILE THE ACTUAL ANNUAL INTEREST RATE SHOWS HOW MUCH THE LOAN, INTEREST AMOUNT AND OTHER PAYMENTS WILL COST IN CASE OF PAYING IN THE ESTABLISHED TIME AND AMOUNT. ACTUAL ANNUAL INTEREST RATE CALCULATION PROCEDURE IS POSTED ON THE OFFICIAL WEBSITE OF THE ORGANIZATION (www.fastcredit.am). 19. ATTENTION: YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION IN THE MANNER PREFERRED BY YOU BY MAIL OR ELECTRONICALLY. GETTING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, IS FREE OF RISK OF LOSS OF PAPER INFORMATION AND ENSURES PRIVACY. 20. ATTENTION: YOUR "FINANCIAL DIRECOTRY" IS AN ELECTRONIC SYSTEM THAT MAKES IT EASIER FOR YOU TO SEARCH AND COMPARE SERVICES PROVIDED TO NATURAL PERSONS AND CHOOSE THE MOST EFFECTIVE OPTION FOR YOU. |
LOANS TO YOUNG FAMILIES
3.5 % or 5․5 %
Loan amount
27.750.000 ֏
Loan amount
7,5%
Minimal purchase
120months
Loan term
Not required
Early loan repayment penalty
Updated on 28.02.2020, 09:00
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Primary market |
Secondary market |
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Borrower |
RA citizen or not RA citizen, whose husband is a citizen of the Republic of Armenia, including.
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Loan purpose |
Acquisition of residential property existing or existing during construction for permanent residence |
Acquisition of existing (80% and more completed) residential property for permanent residence |
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Loan currency |
AMD |
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Loan term |
120-240 months |
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Nominal interest rate /annual/ |
Interest rate set by the organization: 7.5% / fixed /
in Yerevan: 5.5% /fixed/ in the regions: 3.5% /fixed/ |
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Annual percentage rate of the loan |
3.56% - 6.63% / The subsidy rate was taken into account/ |
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Loan amount |
AMD 1,000,000-27,750,000 |
AMD 1,000,000-22,500,000 |
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Collateral |
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Prepayment |
1. other residential real estate is also pledged, or 2.there is a liability insurance in the amount of 20% of the estimated market value of the residential property acquired and the difference between the prepayment amount of 7.5% or more |
1. other residential real estate is also pledged, or 2. there is a liability insurance in the amount of 30% of the estimated market value of the residential property acquired and the difference between the prepayment amount of 10% or more |
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Loan/Pledge maximum value |
· 80% of the appraised market value of the property · Or 92․5%, if: 1․additional residential real property is pledged, and the Loan amount can't be more than 80% of the total real property value or 2․ there is liability insurance amounting to the difference between 20% of the appraised market value of the purchased residential real property and 7․5 or more percent of the prepayment made by the Borrower |
· 70% of the appraised market value of the property · Or 90%, if: 1․additional residential real property is pledged, and the Loan amount can't be more than 70% of the total real property value or 2․ there is liability insurance amounting to the difference between 30% of the appraised market value of the purchased residential real property and 10 or more percent of the prepayment made by the Borrower |
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Pledge appraisal |
The pledge is subject to appraisal by an independent property appraisal agency cooperating with the Organization. |
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Guarantee |
Natural person/Legal entity (required if necessary) |
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Insurance |
· Real property insuarance: · Borrower’s accident insurance · Unpaid prepayment amount (CHP) insurance (if required) ! Insurance is provided in the amount of the loan balance in favor of the Organization for the entire period of the Loan validity. |
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Co-borrower |
· The borrower's spouse and each of their family members The family member is the husband, the spouses' parents, brothers and sisters |
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Loan disbursement fee |
Not required |
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Late loan principal fee |
0.1% daily |
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Late interest fee |
0.13% daily |
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Loan early repayment |
· The borrower has the right to make an early repayment of the loan: fully or partially · Early repayment penalty is not applied |
|
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Repayment method |
Annuity /equated monthly installments to pay off the principal and interest/ |
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! Before signing the agreement, the Organization will provide you with an individual leaflet on the essential terms of the mortgage loan, where the essential terms of the loan to be provided will be presented. |
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In case of purchasing residential real estate from the primary market, the payments of interest rates on loans are fully subject to repayment in accordance with the RA Law on Income Tax and the RA legislation. Moreover, in this case the interest rate is not subsidized. |
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1. In order to use the services provided within the framework of these tariffs, the Borrower shall pay the following amount for the services provided by the third parties mentioned below: ü Certificate on real estate restrictions - 10,000 AMD, ü Fee of state registration of rights - 26,000 - 52,000 AMD, ü Fee of notarial ratification of contract - 12,000-30,000 AMD, ü Real estate insurance fee in relation to 0.15% -0.18% of the loan balance, ü Accident insurance fee in relation to 0.15% -0.18% of the loan balance, ü Insurance fee for outstanding prepayment amount (OPA) in relation to 2%-3% of actual balance of OPA/ valid until full repayment of OPA/ ü Pledged property assessment fee - 15,000-25,000 AMD. 2. Regardless of the third party fee rates mentioned in these terms, the fees for the services provided by the latter may change. 3. Loan interest is calculated on the active (non-overdue) balance of the loan, based on the calculation of 365 days a year. 4. The loan is provided in cash, non-cash, in lump sum in case of purchase from the secondary market, and it can be provided in installments / tranches in case of purchase from the primary market, moreover the last stage of the loan in installments must be provided in case of 80% and above completion degree of real estate. 5. The list of required documents, as well as the list of insurance companies and independent assessors cooperating with the Organization are defined in separate Annexes. 6. The loan is provided at the Head Office of the Organization, "Shrjanayin", "Avan", "Davtashen", "Komitas", "Erebuni", "Harav-Arevmtyan", "Armavir", "Artashat", "Masis", "Goris", "Gyumri", " Vanadzor "," Abovyan "," Hrazdan "," Echmiadzin "," Martuni "," Ijevan " , " Artik" branches. 7. The factors for making a positive loan decision are the following: § Compliance of the Borrower, Pledge and Guarantor (if any) with the requirements set forth in this document § The borrower shall have no overdue liabilities as of the application submission date and shall be classified as "Standard" § The sum of overdue liabilities during the 12 months preceding the time of application shall not exceed 30 days. 8. The factors for loan rejection are the following: ü Non-compliance of the Borrower and/or Pledge and/or the Guarantor (if any) with the requirements set forth in this document ü the buyer and the seller of real estate are members of the same family ü the total net monthly income of the spouses and potential co-borrowers exceeds AMD 800,000 ü one of the spouses owns other residential real estate belonging to him / her by the right of ownership, unless the living space of persons registered in the given apartment / residential house is less than 18.0 sq.m per capita. ü the spouses do not intend to permanently live in the purchased apartment or residential house, ü the spouses and / or potential co-borrowers have current loans, which are not classified as standard loans according to the jointly approved procedure of the Central Bank of Armenia and RA MoF, or there are current overdue liabilities for the mentioned credit lines; ü the total number of overdue days of all current and repaid credit lines of spouses and / or co-borrowers over the last 12 months exceeds 30 calendar days. ü the borrower has previously been credited with the same program, ü the borrower has provided not credible information. 9. Making a decision on the loan application after submitting the required documents, informing the borrower within 5 working days. 10. Provision of loan within up to 2 working days after submitting all required documents. 11. As a rule, any amount deposited for the purpose of loan repayment is directed by the Organization to the repayment of the amounts to be paid to the Organization by the Customer by virtue of loan agreement at the time of depositing, including penalties, service fees, interest, Loan amount repayment. The organization has the right to define a different order of amounts to be paid in the contract with the Customer. 12. In case of early repayment of the loan by the Customer, the loan interest amounts and the service fees, if any, are proportionally reduced if the latter is accrued on a daily basis, while the payments made to third parties are not subject to reduction. 13. Tariffs for non-financial services, including terms of provision of statements, copies of contracts and other information are published on the official website of the Organization: www.fastcredit.am, as well as posted in the places of business of the Organization. 14. WARNING: IF THE INTEREST AMOUNTS, LOAN AMOUNT, SERVICE FEES ARE NOT PAID IN TIME THE PLEDGED PROPERTY CAN BE CONFISCATED BY THE PROCEDURE ESTABLISHED BY LAW. 15. ATTENTION: IN CASE OF NOT FULFILLMENT OR INCOMPLETE FULFILLMENT OF THE OBLIGATIONS BY YOU, THE ORGANIZATION SENDS THOSE DATA TO THE CREDIT BUREAUWITHIN 3 WORKING DAYS WHERE YOUR CREDIT HISTORY IS FORMED. YOU HAVE THE RIGHT TO GET YOUR CREDIT HISTORY FROM THE CREDIT BUREAU FREE OF CHARGE ONCE EVERY YEAR. ATTENTION: BAD CREDIT HISTORY MAY HINDER RECEIVING A LOAN IN THE FUTURE. 16. ATTENTION: LOAN INTEREST AMOUNTS ARE CALCULATED BASED ON THE NOMINAL INTEREST RATE, WHILE THE ACTUAL ANNUAL INTEREST RATE SHOWS HOW MUCH THE LOAN, INTEREST AMOUNT AND OTHER PAYMENTS WILL COST IN CASE OF PAYING IN THE ESTABLISHED TIME AND AMOUNT. ACTUAL ANNUAL INTEREST RATE CALCULATION PROCEDURE IS POSTED ON THE OFFICIAL WEBSITE OF THE ORGANIZATION (www.fastcredit.am). 17. ATTENTION: YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION IN THE MANNER PREFERRED BY YOU BY MAIL OR ELECTRONICALLY. GETTING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, IS FREE OF RISK OF LOSS OF PAPER INFORMATION AND ENSURES PRIVACY. 18. ATTENTION: YOUR "FINANCIAL DIRECOTRY" IS AN ELECTRONIC SYSTEM THAT MAKES IT EASIER FOR YOU TO SEARCH AND COMPARE SERVICES PROVIDED TO NATURAL PERSONS AND CHOOSE THE MOST EFFECTIVE OPTION FOR YOU. |
ՀԻՓՈԹԵՔԱՅԻՆ ՎԱՐԿԵՐ ԱՐՑԱԽԻՑ ՏԵՂԱՀԱՆՎԱԾ ԸՆՏԱՆԻՔՆԵՐԻ ՀԱՄԱՐ
8,5%
Տարեկան անվանական տոկոսադրույք
35,000,000 Դ
Վարկի առավելագույն գումար
5%
Մինիմալ կանխավճար
240 ամիս
Վարկի մարման առավելագույն ժամկետ
Չի կիրառվում
Վարկի վաղաժամկետ մարման տույժ
Ուժի մեջ է մտնում 02.08.2022թ-ին, ժամը 09։00-ին
| Արցախի Հանրապետության առանձին շրջաններից տեղահանված ընտանիքների համար բնակարանային մատչելիության ապահովման պետական աջակցության ծրագրի իրականացման շրջանակներում տրամադրվող հիփոթեքային վարկերի պայմաններ | ||
| Ծրագրի անվանումը | <<Ազգային հիփոթեքային ընկերություն ՎՎԿ>> ՓԲԸ | <<Բնակարան երիտասարդներին ՎՎԿ>> ՓԲԸ |
| Վարկի նպատակը | Բնակելի անշարժ գույքի ձեռքբերում և կառուցապատում | Բնակելի անշարժ գույքի ձեռքբերում |
| Վարկի արժույթ | ՀՀ դրամ | |
| Վարկի ժամկետ | 120-240 ամիս | |
| Վարկի գումար | մինչև 35,000,000 ՀՀ դրամ | մինչև 22,500,000 ՀՀ դրամ |
|
Վարկի անվանական տարեկան տոկոսադրույք |
12% | 8.5% |
|
Վարկի փաստացի տարեկան |
12,5%-13,8% | 8,5%-10,5% |
| ! Տոկոսադրույքներում ներառված չեն սուբսիդիաները | ||
| Ապահովվածություն | Ձեռք բերվող բնակելի անշարժ գույք | |
| Ժամկետանց մայր գումարի տույժ | 0.1% օրական | |
| Ժամկետանց տոկոսի տույժ | 0.13% օրական | |
| Վարկի տրամադրման վճար |
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| Վարկի տրամադրման ձևը |
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| Մարման եղանակ | Համաձայն՝ պետ․ աջակցության կարգի | |
| ! Նախքան պայմանագրի կնքումը Կազմակերպությունը Ձեզ կտրամադրի հիփոթեքային վարկի էական պայմանների անհատական թերթիկը, որում ներկայացված են Ձեզ տրամադրվելիք վարկի էական պայմանները։ | ||
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Կանխավճար |
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| Վարկ/ Գրավ առավելագույն արժեք |
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| *Ձեռք բերվող անշարժ գույքը պետք է ունենա 80 և ավելի տոկոս ավարտվածության աստիճան | ||
| Գրավի գնահատում | Գրավը ենթակա է գնահատման Կազմակերպության հետ համագործակցող գույքի գնահատում իրականացնող անկախ գործակալության կողմից։ | |
| Ապահովագրություն |
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| Վարկառու | Ծրագրի շահառուների ցուցակում ներառված անձինք | |
| Համավարկառու | Ծրագրի շահառուների ցուցակում ներառված անձանց ընտանիքի անդամներ /հայր, մայր, ամուսին, ամուսնու ծնողներ, տատ, պապ, քույր, եղբայր, երեխաներ, քրոջ, եղբոր ամուսին ու երեխաներ/ | |
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Ծանոթություն
- Սույն սակագների շրջանակներում տրամադրվող ծառայություններից օգտվելու նպատակով վարկառուն՝ ստորև նշված երրորդ անձանց կողմից մատուցվող ծառայությունների դիմաց վճարում է հետևյալ չափով.
- Անշարժ գույքի սահմանափակումների վերաբերյալ տեղեկանք՝ 10,000 ՀՀ դրամ,
- Իրավունքի պետական գրանցման վճար՝ 26,000 – 52,000 ՀՀ դրա
- Պայմանագրի նոտարական վավերացման վճար՝ 12,000-30,000 ՀՀ դրամ,
- Անշարժ գույքի ապահովագրության վճար՝ 0.15%-0.18% վարկի մնացորդային գումարի չափով,
- Դժբախտ պատահարներից ապահովագրության վճար՝ 0.15%-0.18% վարկի մնացորդային գումարի չափով,
- Գրավադրվող գույքի գնահատման վճար՝ 15,000-25,000 ՀՀ դրամ:
- Անկախ սույն պայմաններում նշված 3-րդ անձանց վճարների դրույքաչափերից, վերջիններիս կողմից մատուցվող ծառայությունների դիմաց վճարները կարող են փոփոխվել:
- Վարկի տոկոսները հաշվարկվում են վարկի աշխատող (ոչ ժամկետանց) մնացորդի նկատմամբ՝ ելնելով տարում 365 օրվա հաշվարկից:
- Անհրաժեշտ փաստաթղթերի ցանկը, ինչպես նաև Կազմակերպության հետ համագործակցող ապահովագրական ընկերությունների և անկախ գնահատողների ցանկըսահմանվում են առանձին Հավելվածներով:
- Վարկը տրամադրվում է Կազմակերպության Գլխամասային գրասենյակում, «Շրջանային», «Ավան», «Դավթաշեն», «Կոմիտաս», «Էրեբունի», «Արմավիր», «Արտաշատ», «Մասիս», «Գորիս», «Գյումրի», «Վանաձոր», «Աբովյան», «Հրազդան», «Էջմիածին», «Մարտունի», «Աշտարակ», «Իջևան», «Հարավ-Արևմտյան», «Արթիկ», «Կապան», «Եղեգնաձոր» մասնաճյուղերում:
- Պահանջվող փաստաթղթերը ներկայացնելուց հետո վարկային հայտի վերաբերյալ որոշման կայացում, վարկառուին տեղեկացում մինչև 5 աշխատանքային օրվա ընթացքում:
- Վարկի տրամադրում՝ պահանջվող բոլոր փաստաթղթերը ներկայացնելուց հետո մինչև 2 աշխատանքային օրվա ընթացքում:
- Վարկի մարման նպատակով մուտքագրված ցանկացած գումար որպես կանոն Կազմակերպության կողմից ուղղվում է մուտքագրման պահին առկա՝ Հաճախորդի կողմից Կազմակերպությանը Վարկային պայմանագրի ուժով վճարման ենթակա գումարների, այդ թվում՝ տույժերի, սպասարկման վճարների, տոկոսների, Վարկի գումարի մարմանը: Կազմակերպությունն իրավունք ունի Հաճախորդի հետ կնքվող պայմանագրում վճարման ենթակա գումարների այլ հերթականություն սահմանել:
- Հաճախորդի կողմից վարկի վաղաժամկետ մարման դեպքում համամասնորեն նվազեցվում են վարկի տոկոսագումարները, առկայության դեպքում նաև սպասարկման վճարները, եթե վերջինս հաշվեգրվում է օրական կտրվածքով, իսկ 3-րդ անձանց կատարված վճարները ենթակա չեն նվազեցման:
- Ոչ ֆինանսական ծառայությունների սակագները, այդ թվում քաղվածքների, պայմանագրերի կրկնօրինակների և այլ տեղեկությունների տրամադրման պայմանները հրապարակված են Կազմակերպության պաշտոնական կայքում` fastcredit.am, ինչպես նաև տեղադրված են Կազմակերպության գործունեության վայրերում։
- ԶԳՈՒՇԱՑՈՒՄ՝ ՏՈԿՈՍԱԳՈՒՄԱՐՆԵՐԸ, ՎԱՐԿԻ ԳՈՒՄԱՐԸ, ՍՊԱՍԱՐԿՄԱՆ ՎՃԱՐՆԵՐԸ ԺԱՄԱՆԱԿԻՆ ՉԿԱՏԱՐԵԼՈՒ ԴԵՊՔՈՒՄ ԳՐԱՎԱԴՐՎԱԾ ԳՈՒՅՔԸ ԿԱՐՈՂ Է ՕՐԵՆՔՈՎ ՍԱՀՄԱՆՎԱԾ ԿԱՐԳՈՎ ԲՌՆԱԳԱՆՁՎԵԼ։
- ՈՒՇԱԴՐՈՒԹՅՈՒՆ՝ ՁԵՐ ԿՈՂՄԻՑ ՊԱՐՏԱՎՈՐՈՒԹՅՈՒՆԸ ՉԿԱՏԱՐԵԼՈՒ ԿԱՄ ԹԵՐԻ ԿԱՏԱՐԵԼՈՒ ԴԵՊՔՈՒՄ ԿԱԶՄԱԿԵՐՊՈՒԹՅՈՒՆԸ 3 ԱՇԽԱՏԱՆՔԱՅԻՆ ՕՐՎԱ ԸՆԹԱՑՔՈՒՄ ԱՅԴ ՏՎՅԱԼՆԵՐԸ ՈՒՂԱՐԿՈՒՄ Է ՎԱՐԿԱՅԻՆ ԲՅՈՒՐՈ, ՈՐՏԵՂ ՁԵՎԱՎՈՐՎՈՒՄ Է ՁԵՐ ՎԱՐԿԱՅԻՆ ՊԱՏՄՈՒԹՅՈՒՆԸ։ ԴՈՒՔ ԻՐԱՎՈՒՆՔ ՈՒՆԵՔ ՎԱՐԿԱՅԻՆ ԲՅՈՒՐՈՅԻՑ ՏԱՐԵԿԱՆ ՄԵԿ ԱՆԳԱՄ ԱՆՎՃԱՐ ՁԵՌՔ ԲԵՐԵԼ ՁԵՐ ՎԱՐԿԱՅԻՆ ՊԱՏՄՈՒԹՅՈՒՆԸ: ՈՒՇԱԴՐՈՒԹՅՈՒՆ՝ ՎԱՏ ՎԱՐԿԱՅԻՆ ՊԱՏՄՈՒԹՅՈՒՆԸ ԿԱՐՈՂ Է ԽՈՉԸՆԴՈՏԵԼ ՁԵԶ` ԱՊԱԳԱՅՈՒՄ ՎԱՐԿ ՍՏԱՆԱԼՈՒ ԺԱՄԱՆԱԿ։
- ՈՒՇԱԴՐՈՒԹՅՈՒՆ՝ ՎԱՐԿԻ ՏՈԿՈՍԱԳՈՒՄԱՐՆԵՐԸ ՀԱՇՎԱՐԿՎՈՒՄ ԵՆ ԱՆՎԱՆԱԿԱՆ ՏՈԿՈՍԱԴՐՈՒՅՔԻ ՀԻՄԱՆ ՎՐԱ, ԻՍԿ ՏԱՐԵԿԱՆ ՓԱՍՏԱՑԻ ՏՈԿՈՍԱԴՐՈՒՅՔԸ ՑՈՒՅՑ Է ՏԱԼԻՍ, ԹԵ ՈՐՔԱՆ ԿԱՐԺԵՆԱ ՎԱՐԿԸ ՏՈԿՈՍԱԳՈՒՄԱՐՆԵՐԸ ԵՎ ԱՅԼ ՎՃԱՐՈՒՄՆԵՐԸ ՍԱՀՄԱՆՎԱԾ ԺԱՄԿԵՏՈՒՄ ԵՎ ՉԱՓԵՐՈՎ ԿԱՏԱՐԵԼՈՒ ԴԵՊՔՈՒՄ: ՏԱՐԵԿԱՆ ՓԱՍՏԱՑԻ ՏՈԿՈՍԱԴՐՈՒՅՔԻ ՀԱՇՎԱՐԿՄԱՆ ԿԱՐԳԸ ՏԵՂԱԴՐՎԱԾ Է ԿԱԶՄԱԿԵՐՊՈՒԹՅԱՆ ՊԱՇՏՈՆԱԿԱՆ ԿԱՅՔՈՒՄ (fastcredit.am)
- ՈՒՇԱԴՐՈՒԹՅՈՒՆ՝ ԴՈՒՔ ԻՐԱՎՈՒՆՔ ՈՒՆԵՔ ՀԱՂՈՐԴԱԿՑՎԵԼ ՖԻՆԱՆՍԱԿԱՆ ԿԱԶՄԱԿԵՐՊՈՒԹՅԱՆ ՀԵՏ ՁԵՐ ՆԱԽԸՆՏՐԱԾ ԵՂԱՆԱԿՈՎ՝ ՓՈՍՏԱՅԻՆ ԿԱՊԻ ՄԻՋՈՑՈՎ ԿԱՄ ԷԼԵԿՏՐՈՆԱՅԻՆ ԵՂԱՆԱԿՈՎ: ԷԼԵԿՏՐՈՆԱՅԻՆ ԵՂԱՆԱԿՈՎ ՏԵՂԵԿԱՏՎՈՒԹՅԱՆ ՍՏԱՑՈՒՄԸ ԱՄԵՆԱՀԱՐՄԱՐԱՎԵՏՆ Է: ԱՅՆ ՀԱՍԱՆԵԼԻ Է 24/7 ՌԵԺԻՄՈՎ, ԶԵՐԾ Է ԹՂԹԱՅԻՆ ՏԵՂԵԿԱՏՎՈՒԹՅԱՆ ԿՈՐՍՏԻ ՌԻՍԿԵՐԻՑ և ԱՊԱՀՈՎՈՒՄ Է ԳԱՂՏՆԻՈՒԹՅՈՒՆ։
- ՈՒՇԱԴՐՈՒԹՅՈՒՆ՝ ՁԵՐ «ՖԻՆԱՆՍԱԿԱՆ ՏԵՂԵԿԱՏՈՒՆ» ՖԻԶԻԿԱԿԱՆ ԱՆՁԱՆՑ ԱՌԱՋԱՐԿՎՈՂ ԾԱՌԱՅՈՒԹՅՈՒՆՆԵՐԻ ՈՐՈՆՄԱՆ, ՀԱՄԵՄԱՏՄԱՆ ԵՎ ՁԵԶ ՀԱՄԱՐ ԱՄԵՆԱԱՐԴՅՈՒՆԱՎԵՏ ՏԱՐԲԵՐԱԿԻ ԸՆՏՐՈՒԹՅՈՒՆԸ ՀԵՇՏԱՑՆՈՂ ԷԼԵԿՏՐՈՆԱՅԻՆ ՀԱՄԱԿԱՐԳ Է։
- ԿԱԶՄԱԿԵՐՊՈՒԹՅՈՒՆԸ ՎԵՐԱՀՍԿՎՈՒՄ Է ԿԵՆՏՐՈՆԱԿԱՆ ԲԱՆԿԻ ԿՈՂՄԻՑ։
updated on 07/05/2022, 09:00