Gold-secured loan Gold Secured Loans from Artsakhbank
Artsakhbank
Gold Secured Loans
Relevant for 16.09.2026
Maximum amount
to 20 000 000֏
Loan term
up to 5 years
Receiving such a loan involves transferring gold items to the bank as collateral. They will be stored in the bank until the loan is repaid. | |
Amount | from 30 000 to 20 000 000֏ |
Term | up to 5 years |
Loan effective rate | 12.71% - 21.9% |
Rate | 10% - 20% |
Additional rate conditions | Account opening/maintenance charges are not included in the the calculation of the Annual Percentage Rate |
Rate type | Fixed |
Is there a discount for salary clients | No |
Payment type | Annuity and Differentiated |
From which month early repayment is possible | 1 |
Special conditions | Interest rates, fees and repayment types may vary depending on the term and amount of the loan. In some cases, a guarantor may be required |
| Commissions | |
Credit entry fee | 1.5% of the loan amount, but not more than 100,000 AMD |
Receiving such a loan involves transferring gold items to the bank as collateral. They will be stored in the bank until the loan is repaid. | |
Borrower category | Only for Residents of Armenia |
Borrower age | from 18 years on the date of receiving the loan up to 70 years on the loan repayment date |
Proof of income is required | No |
Available for non-residents | No |
Available for pensioners | Yes |
Receiving such a loan involves transferring gold items to the bank as collateral. They will be stored in the bank until the loan is repaid. | |
Documents for application | Identification document, social card |
Documents for pensioners | Identification document, social card, pension book |
Receiving such a loan involves transferring gold items to the bank as collateral. They will be stored in the bank until the loan is repaid. | |
Ratio of credit limit to collateral appraisal value: | to 120% |
Terms apply to the bank's head office and may differ at its branches.