Package IDgold

Package IDgold

Use the advantageous IDgold package, provided for borrowers using gold secured loans

Currency
֏
Interest rate
17․5%
Repayment term
36 months
Loan maximum amount
30,000,000 ֏

General

General
Tariffs
Documents
FAQ
Package IDgold

IDgold package for borrowers with gold secured loans

Join IDgold Convenient Package and take advantage of IDBank Gold secured Loans.
Get a loan secured by gold on fast and profitable terms. At the same time, get a Premium Visa Gold debit card with 50% discount, Rocket Line digital limit in the amount of up to 10% of the loan, bank account with preferential terms.

Advantages

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

Choose a loan

AMD
Loan ammount

You need to choose the loan amount you prefer from the scale below.

I AMD
Loan term, months

You need to choose the loan term that you prefer from the scale below.

36 months 36 months
Type of pledge
Payment method

fixed monthly installments, where the monthly payment throughout the repayment period remains the same and consists of a portion of loan and a portion of interest.

This calculation is informative character and can be changed.

You may be interested in

Gold 0%
Gold secured loans at 0% annual interest rate

Refinancing
These conditions apply in case of transfer of gold pledged loans from other banks, credit and other organizations,
Low interest rate
Does not calculate interest for the first 3 months
Higher market value
The loan is provided higher than the market value.

You may be interested in

Gold Standard
Get beneficial loans secured with gold

Choice of currency
The loan is available in Armenian drams and US dollars
Low interest rate
Starting from only 8%
Express provision
The loan is approved on the day of application

Compare products

Package IDgold
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 0%
Gold Standard
These conditions apply in case of transfer of gold pledged loans from other banks, credit and other organizations,
Does not calculate interest for the first 3 months
The loan is provided higher than the market value.
The loan is available in Armenian drams and US dollars
Starting from only 8%
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 7% annual interest rate for up to 36 months.

Package IDgold - Special offers
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
17.5%
General terms: Annual effective interest rate
19.78% - 23.79%
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.
Repayment of gold secured loans in other organizations: Currency
AMD
Repayment of gold secured loans in other organizations: Minimal amount of the loan
AMD 150,000
Repayment of gold secured loans in other organizations: Loan term
1185 days
Repayment of gold secured loans in other organizations: Annual nominal interest rate
0% for first three months, after which 17.5%
Repayment of gold secured loans in other organizations: Repayment method
Annuity, starting after grace period
Repayment of gold secured loans in other organizations: Grace period for loan amount and monthly payment for package usage
3 months
Repayment of gold secured loans in other organizations: Loan provision lump commission fee at the moment of the loan provision (from the contract amount of the loan)
2.5% (The advantage established for ?Gold Standard? loan is not applied for crediting physical entities engaged in gold trade and/or production or in cases of transfer of loans secured by gold deposit from other banks or financial organizations)
Repayment of gold secured loans in other organizations: Annual actual interest rate
17.79% - 23.93%
Repayment of gold secured loans in other organizations: Other conditions
according to the terms of the loans with annuity repayment method of the information bulletin on loans secured by gold deposit, operating 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
15.08.2022
Assay
The price of 1 gr. of gold (AMD)
375
9,300
500
12,400
560
13,900
585
14,600
750
18,600
875
21,700
900
22,400
958
23,800
999
24,800

Tariff archive

Tariffs valid from 18.08.21-19.11.21
318.88 KB
Required documents
69.95 KB
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.
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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/THE BANK CONTROLLED BY THE CENTRAL BANK OF ARMENIA/
Information updated 15.08.2022 10:42
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