U-Smile

Consumer credit

Purpose

For dental services payment

Target group

Physical persons

Requirements to borrower

Absence of negative credit history

Credit sum

Up to 1 000 000 AMD (to the amount of service price)

Credit period

Up to 24 months

Pre-payment

from  0%

Annual interest rate

21%

Credit interest rate is calculated to the credit reduced reminder. There is not envisaged nominal interest rate by the Bank during the activity of credits contracts, if the borrower does not violate determined conditions 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.

Cash-withdrawal commission

-

Credit provision order

Credit is provided cashless

Credit repayment order

On monthly basis, in equal (annuity) installments. Pre-term repayment of the credit is allowed without any limits.

Penalties

0,5% on the overdue sum

Guarantee

The guarantee of legal person or physical person by the requirement of the Bank.

Opening and service of the card

Free

Required documents

1.  Application

2.  Passport and  Social card

3.  inquiry to the credit bureau ACRA (Free)

4. The documents of guarantor (by the requirement of the Bank).