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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
Starting from only 16%
The loan is approved on the day of application
Special offer
Buy now, pay later within up to 60 months
Get your Rocket Line digital installment loan limit of up to 10 million AMD in the Idram&IDBank app or at idbanking.am. Shop for anything you want now and pay later within up to 60 months. At over 10,000 partnering outlets enjoy Rocket Line 0% and pay later according to the terms and conditions set by the merchant with 0% effective interest rate.
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 ''Liga Inshurance'' cooperation terms
Online/Mobile banking
Free of charge
Package activation fee
Free of charge
Package annual service fee
AMD 500
Date
28.09.2026
Assay
The price of 1 gr. of gold (AMD)
375
19,000
500
25,300
560
28,300
585
29,600
750
37,900
875
44,200
900
45,500
958
48,400
999
50,500
Date
28.09.2026
Gram
The price(AMD)
5 gram
327,000
10 gram
649,000
20 gram
1,256,611
50 gram
3,005,477
Information regarding credit history and credit score
You can learn about the importance of credit history and credit score here
Details via abcfinance.am and acra.am links.
Details via abcfinance.am and acra.am links.
1
ATTENTION: INTEREST PAYMENTS ARE CALCULATED BASED ON THE NOMINAL INTEREST RATE. THE ANNUAL EFFECTIVE PERCENTAGE RATE INDICATES THE TOTAL COST OF THE LOAN TO YOU, INCLUDING INTEREST PAYMENTS AND ALL MANDATORY FEES RELATED TO THE ISSUANCE AND SERVICING OF THE LOAN, PROVIDED THAT ALL PAYMENTS ARE MADE IN THE AMOUNTS AND WITHIN THE TIMEFRAMES SPECIFIED IN THE LOAN AGREEMENT.
2
THE PROCEDURE FOR CALCULATING THE ANNUAL EFFECTIVE PERCENTAGE RATE IS PRESENTED WITH THIS LINK.
3
The Bank has the right to unilaterally amend the material terms of the loan, including the loan interest rate, or to require early partial or full repayment։ RULES FOR LENDING UNDER MASTER LOAN AGREEMENT CONCLUDED WITH “ID BANK” CJSC
4
A POOR CREDIT HISTORY MAY HINDER THE CUSTOMER’S ABILITY TO OBTAIN A LOAN IN THE FUTURE.
5
IN THE EVENT OF OVERDUE OBLIGATIONS, REPAYMENTS SHALL BE APPLIED IN THE FOLLOWING ORDER: EXPENSES INCURRED FOR DEBT RECOVERY, INCLUDING COURT COSTS (IF ANY), PENALTIES ON INTEREST, PENALTIES ON THE LOAN PRINCIPAL, INTEREST, SERVICE FEES AND COMMISSIONS (IF ANY), AND THE LOAN PRINCIPAL. THE BANK RESERVES THE RIGHT TO UNILATERALLY CHANGE THE ORDER OF REPAYMENT SPECIFIED IN THIS CLAUSE AT ANY TIME.
6
Disputes arising between the parties may be resolved through the courts or through the Financial System Mediator (in accordance with the procedure established by the RA Law on the Financial System Mediator), address: 15 M. Khorenatsi Street, Elite Plaza Business Center, 7th Floor, Yerevan 0010, Republic of Armenia, e-mail: [email protected], telephone: (+37460) 70-11-11, fax: (+37410) 58 24 21. Furthermore, if the amount of the property claim does not exceed AMD 250,000 (two hundred fifty thousand) or its equivalent in foreign currency, the decisions of the Financial System Mediator may not be challenged by the Bank.
7
The Bank may, for the purposes of customer due diligence as required by the RA Law on Combating Money Laundering and Terrorist Financing, request additional documents or information based on the “Know Your Customer” (KYC) principle.
8
Pursuant to the agreement concluded with the United States under the Foreign Account Tax Compliance Act (FATCA), the Bank may collect additional information to determine whether the customer is a U.S. taxpayer, as well as to provide the State Revenue Committee of the Republic of Armenia with information on customers who are foreign tax residents in accordance with the Common Reporting Standard (CRS) of the Organisation for Economic Co-operation and Development (OECD), as prescribed by the RA Tax Code.
9
THE BORROWER HAS THE RIGHT TO COMMUNICATE WITH THE BANK THROUGH THE METHOD OF THEIR CHOICE, EITHER BY POSTAL MAIL OR ELECTRONIC MEANS. RECEIVING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT OPTION. IT IS AVAILABLE 24/7, ELIMINATES THE RISK OF LOSING PAPER DOCUMENTS, AND ENSURES CONFIDENTIALITY.
10
DURING THE TERM OF THE LOAN AGREEMENT, INFORMATION ON THE TERMS FOR THE PROVISION OF STATEMENTS, DUPLICATE STATEMENTS, AND CERTIFICATES IS AVAILABLE AT THE FOLLOWING LINK: Tariff։
11
The list of the Bank’s branches and ATMs, as well as their addresses and business hours, is available at the following link: Branches and ATMs:
12
ATTENTION: WHEN APPLYING FOR A LOAN, THE LENDER WILL PROVIDE YOU WITH AN INDIVIDUAL SHEET OF THE ESSENTIAL TERMS OF THE CONSUMER LOAN, WHICH WILL PRESENT THE INDIVIDUAL TERMS OF THE LOAN TO BE PROVIDED TO YOU.
13
WARNING: YOUR PROPERTY (HOME, VEHICLE, OR OTHER ASSETS) MAY BE SEIZED IN ACCORDANCE WITH THE LAW IF YOU FAIL TO MAKE TIMELY PAYMENTS OF INTEREST AND REPAY THE LOAN AMOUNT.
14
After the loan is fully repaid, the pledged collateral is returned to the pledgor within one business day. If, after full repayment of the loan, the customer does not appear to collect the pledged gold items, a fee of AMD 100 will be charged for each day starting from the 30th day.
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.
Apply now
Free accident insurance
Visa Gold debit card with 50% discount
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