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Package IDgold
Visa Gold debit card - discount of 50%
Rocket Line - Provided to the borrower in the amount of up to 10% of the loan
Insurance - Free insurance for accidents
Gold Standard
The loan is available in Armenian drams and US dollars
Starting from only 12%
The loan is approved on the day of application
Special offer
Gold standard
Quickly get a loan secured by gold on favorable terms, starting from 12% annual interest rate for up to 60 months.
General terms: Gold appraisal tariff
According to tariffs approved for the package of gold pledged loans
General terms: Repayment mode
Annuity
General terms: Currency
AMD
General terms: Minimum loan amount
AMD 300,000
General terms: Loan term
1095 days
General terms: Annual nominal interest rate
14.5-17%
General terms: Annual effective interest rate
15.54% -22.31%
General terms: Cost of purchasing standardized gold bars
The selling cost of the corresponding weight of the standardized gold bar published by the Bank plus the corresponding weight of the standardized bar multiplied by AMD 200
General terms: Cost of pledging standardized gold bars
Cost of purchasing a standardized gold bar from the bank
General terms: Maximum weight of standardized gold bullion offered/available to the client
The maximum weight of standardized gold bullion offered/available to the client depends on the aggregate amount of the balance of the acting and approved /to be provided/ gold pledged loans of the client in the Bank, in the amounts stated below: For loans amounting up to AMD 499,999 ? maximum 5 grams, For loans amounting to AMD 500,000-1,500,000 ? maximum 10 grams, For loans amounting to AMD 1,500,001 and above ? maximum 20 grams.
General terms: Other conditions
According to conditions of loans with annuity repayment method mentioned in the information bulletin of Gold pledged loans in the Bank.
Maximum amount of the loan
In the amount of 10% of gold pledge loan, minimum 10,000 AMD
Other terms
In accordance with ?ROCKET LINE loan/loan limit? information bulletin operating in the Bank
Card type
Visa Gold
Annual service fee of card account
50% discount on tariff valid in the Bank defined by ?Debit payment cards? information bulletin. If the client already has a card of the given type, no new card will be provided within the framework of the package.
Other terms
In accordance with ?Debit payment cards? information bulletin operating in the Bank
Account currency
AMD
Account opening
Free of charge
Other terms
In accordance with ?Tariffs on bank accounts, transfers, services provided by ?ID Bank? CJSC? information bulletin
Type
Insurance from accidents ? voluntary sale (1st, 2nd, 3rd disability group, death). Insurance is set for the 1st year of the package. 1. A new insurance policy may not be concluded if within the term of the insurance policy: 2. Another gold pledged loan is provided to the client within the framework of the package, 3. If the client makes an early loan repayment and received a new gold pledged loan within the framework of the package.
Insurance fee
Performed by the Bank
Other conditions
In accordance with ?Rosgosstrakh-Armenia? CJSC cooperation terms: for the first year of package operation
Online/Mobile banking
Free of charge
Package activation fee
Free of charge
Package annual service fee
AMD 500
Date
22.04.2024
Assay
The price of 1 gr. of gold (AMD)
375
11,500
500
15,300
560
17,200
585
17,900
750
23,000
875
26,800
900
27,500
958
29,300
999
30,600
Date
22.04.2024
Gram
The price(AMD)
5 gram
204,500
10 gram
396,000
20 gram
792,000
50 gram
1,945,000
Information bulletin of "IDgold package" loans Answer․ The actual interest rate includes the actual costs incurred by the customer for servicing the loan. The loan schedule reflects the interest payable, the principal amount and service fee, if any.
Answer․ any individual with a citizenship, whose age at the date of loan disbursement is not less than 18 years and by the time of loan repayment does not exceed 70 years, can be a borrower.
Answer․ The bank does not provide loan against white gold, as well as for jewelry, in which white gold is more than 30%, or if it is impossible to evaluate the jewelry without the weight of white gold.
Answer. The Bank does not provide loans for the artistic value of gold items, precious and semi-precious stones attached to gold items. The subject of the pledge can be standardized gold bars, gold jewelry, gold scrap.
Answer․ The bank can provide you with 100% of the estimated value of your gold items. However, if your credit history meets the requirements of the Bank, the loan/collateral ratio can be unlimited.
Answer․ The “IDgold” package is a set of services provided for customers, who want to receive gold secured loan.
The following services are provided within the framework of the package on beneficial terms:
✓ Rocket Line up to 10% of gold secured loan;
✓ Visa Gold card with50% discount on annual service fee;
✓ Free bank account in AMD;
✓ Free accident insurance
Within the framework of the package, the customer is given the opportunity to purchase a standardized gold bar from the Bank with a deferred payment, and to pledge it together with gold items.
Within the framework of the package, you also have the opportunity to transfer your gold secured loan/loans maintained by another organization without paying the principal, interest, and package service fee for the first three months.
The price of gold within the “IDgold” package is higher than the prices offered by the main banks in the market.
The following services are provided within the framework of the package on beneficial terms:
✓ Rocket Line up to 10% of gold secured loan;
✓ Visa Gold card with50% discount on annual service fee;
✓ Free bank account in AMD;
✓ Free accident insurance
Within the framework of the package, the customer is given the opportunity to purchase a standardized gold bar from the Bank with a deferred payment, and to pledge it together with gold items.
Within the framework of the package, you also have the opportunity to transfer your gold secured loan/loans maintained by another organization without paying the principal, interest, and package service fee for the first three months.
The price of gold within the “IDgold” package is higher than the prices offered by the main banks in the market.
Answer: No, the package can be valid until you apply to the Bank to close it. The services included in the package will be available for the whole period.
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Free accident insurance
Visa Gold debit card with 50% discount
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