U-ARAY

(Consumer credit)

Purpose

Credit is provided for purchasing techniques  from LLC "Aray" ("Aray" store net)

Requirements to borrower

Physical persons

Credit sum

Up to 1,000,000 AMD

Credit period

12, 18, 24  months

Pre-payment

at 0%

Interest rate

20%

Credit interest is computed on the reduced credit reminder. During the validity of the credit contract the Bank does not change the nominal interest rate if the borrower does not break terms of the contract.

Credit interest is computed on the basis of the nominal interest rate. The actual interest rate shows the cost of the credit in case of timely payment of interest and other fees.  Please see the annual actual interest rate calculation formula here. During the validity of the credit contract the Bank does not change the nominal interest rate if the borrower does not break terms of the contract.

Cash commission fee

-

Credit provision order

Non- cash

Credit repayment order

Monthly-equal  (annuity)  instalments

Guarantee

-

Fines

The penalty is charged at 0.5% from the delayed  sum

Account opening and service

Free