Loan secured by gold items from VTB Bank (Armenia)
VTB Bank (Armenia)
Loan secured by gold items
Relevant for 16.09.2026
Maximum amount
to 5 000 000֏
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 5 000 000֏ |
Term | up to 5 years |
Loan effective rate | 15.3% - 24% |
Rate | 12.5% - 13.5% |
Additional rate conditions | The rate may vary depending on the term and amount of the loan |
Rate type | Fixed |
Is there a discount for salary clients | Yes |
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 |
| Commissions | |
Other fees | For a loan term of up to 120 days (inclusive), the one-time fee for issuing a loan is 2.15% of the loan amount; for a loan term of 121 to 180 days (inclusive), the one-time fee for issuing a loan is 2.85% of the loan amount, but no more than 70,000 AMD. Mandatory monthly fee for servicing a loan account from 0 to 0.6% of the loan amount |
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 72 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 100% |
Terms apply to the bank's head office and may differ at its branches.