Ardshinbank Loans

• Consumer loan - up to 50 000 000 AMD, rate from 8.3%, term up to 120 months, no collateral required
• Loan secured by real estate - up to 2 600 000 AMD, rate from 18.8%, term up to 5 years
• Refinancing - loans from other banks and existing loans, rate from 13%
• Other programs - if applicable

Requirements depend on the selected loan program. The bank may consider the borrower’s age, regular income, employment history, credit history, and other indicators of creditworthiness. Certain loan programs may have additional requirements related to collateral, a guarantor, or income level.

The list of required documents depends on the type of loan and the bank’s requirements. As a rule, the following may be required when submitting an application:

• Passport or another identity document
• Social card or public services number
• Documents confirming income, if required under the loan terms
• Documents for the pledged property if the loan is secured
• Other documents requested by the bank

Step 1 - Compare Ardshinbank offers with the terms of other banks in Armenia on AFM.am

Step 2 - Go to the bank’s website or visit the nearest branch

Step 3 - Complete the application, prepare the required documents, and wait for the decision

You can repay a loan at Ardshinbank using the methods provided by the bank. Depending on the program, payments may be available through the mobile application or internet banking, bank branches and terminals, bank transfer, or automatic debit from an account.

The terms, payment schedule, and possible fees depend on the specific loan program.

Advantages depend on the selected program and may include:

• Several loan programs for different purposes
• Online application option
• Different loan amounts and terms
• Early repayment option
• Refinancing of existing loans, if such a program is available
• Secured or unsecured lending options depending on the product

1. What Types of Loans Does Ardshinbank Offer?

   Ardshinbank may offer consumer loans, loans secured by real estate, refinancing programs, and other credit products. The exact list of available programs and their terms is provided on this page.

2. What Is the Minimum Interest Rate on Ardshinbank Loans?

   The minimum interest rate on Ardshinbank loans starts from 8.3%. The actual rate depends on the selected program, loan amount and term, the borrower’s creditworthiness, and other bank conditions.

3. What Is the Maximum Loan Amount?

   The maximum loan amount at Ardshinbank is up to 50 000 000 AMD. The amount available to a specific borrower is determined by the bank after reviewing the application and assessing the borrower’s creditworthiness.

4. What Are the Borrower Requirements?

   Requirements depend on the loan program. The bank may consider the customer’s age, income, employment history, credit history, and other indicators. Secured loans may also have additional requirements for the pledged property.

5. What Documents Are Required to Get a Loan?

   As a rule, a passport or another identity document is required. Depending on the program, the bank may also request proof of income, documents for pledged property, and other documents.

6. How Can I Apply for a Loan?

   You can apply through the Ardshinbank website or mobile application if online applications are available, or visit a bank branch. After the application is completed and the required documents are provided, the bank reviews it and informs you of its decision.

7. Can I Repay the Loan Early?

   Yes, early repayment is possible in accordance with the loan agreement and applicable legislation. Before making an early repayment, it is recommended to check the procedure for full or partial early repayment with Ardshinbank.

8. Is Insurance Mandatory When Taking Out a Loan?

   It depends on the type of loan and the program terms. For some loans, particularly secured loans, insurance may be mandatory. For other programs, insurance may be optional. The exact requirements are specified in the terms of the particular loan.