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Ardshinbank customers have the opportunity to go on "Credit vacation" when refinancing a loan in Armenian Drams secured with real estate. By transferring the real estate loan to Ardshinbank, the customer will have the opportunity to use "Credit Vacation", which means 0% interest rate and free service during the first 6 months. At the same time, the interest rate on the loan can be reduced to 3 percentage points from their interest rate*. Moreover, the borrower will be able to extend the loan term and ease the monthly burden of the loan repayment. The minimum requirements for refinancing a loan are the on-time repayments made by the customer before or positive credit history.

The annual interest rate of the loan has dropped to 12.12%*, the maximum credit limit has increased to AMD 150 million, the maximum term is now 10 years, and the loan is available at 100% LTV ratio with a grace period of up to 24 months. Moreover, the loan is provided also without a mandatory requirement for income analysis.

To recall, Ardshinbank's responsible borrowers receive a 5% cashback from the interest they paid for real estate loans.

For further details on loans with real estate pledge, please visit https://goo.gl/t5yZYv or call Ardshinbank's 24/7 call center at 012222222.

* but not lower than 12.12%

** effective annual interest rate starts from 14.49%

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