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Investment loan
Apply for an investment loan at any Inecobank branch. Select loan terms that align with your investment strategy and support your long-term financial goals.
Loan purpose
- Participation or acquisition of shares in the charter capital of legal entities operating within and outside the Republic of Armenia, including through the investment of property to be acquired in the charter capital of a legal entity,
- For the purpose of engaging in commercial activities operating within or outside the Republic of Armenia, including acquiring fixed assets and engaging in commercial activity using that property, etc.
- Investment outside the Republic of Armenia – acquisition of immovable or movable property
Description of the borrower
Resident and non-resident natural person of the Republic of Armenia whose age at the end of the loan term does not exceed 70 years.
Loan currency
֏ $ €
Loan amount
15,000,001 - 200,000,000 ֏
40,000 - 500,000 $
40,000 - 500,000 €
ATTENTION CHANGES IN THE EXCHANGE RATE OF FOREIGN CURRENCY MAY AFFECT LOAN REPAYMENTS.
Loan term
- With fixed interest rate 1–60 months
- With floating interest rate 60–180 months
Annual nominal interest rate
- With fixed interest rate
֏ 15%
$ 11%
€ 9%
- With floating interest rate
֏ first 3 years 14%, then floating
$ first 3 years 10%, then floating
$ first 3 years 10%, then floating
€ first 3 years 8%, then floating
Annual effective interest rate
- With fixed interest rate
֏ 16.33%
$ 11.81%
€ 9.61%
- With floating interest rate
֏ 15.04 - 15.18%
$ 10.56 - 10.70%
€ 8.38 - 8.53%
IN CASE OF A FLOATING INTEREST RATE, THE LOAN’S ANNUAL NOMINAL INTEREST RATE IS REVIEWED BY THE BANK NO MORE THAN TWICE A YEAR. THE MAXIMUM THRESHOLD FOR THE INCREASE AND DECREASE OF THE ANNUAL NOMINAL INTEREST RATE IS SET AT +3/-1 PERCENTAGE POINTS. IF THE PRIMARY OR SECONDARY INDEX IS A NEGATIVE NUMBER /LOWER THAN ZERO/, THE INDEX IS CONSIDERED 0 /ZERO/.
Security
As security may serve property acceptable to the Bank:
- real estate,
- vehicle,
- monetary funds,
- bonds,
- pledge of precious metals,
- other collateral.
One-time loan disbursement fee
0.5% of the loan amount
Maximum loan-to-collateral value ratio
70% of the collateral’s liquidation value
Insurance
Property and accident insurance may be required – in the amount of the outstanding loan balance.
Guarantee
A guarantee by a physical or legal entity acceptable to the Bank may be required.
IN CASE THE BORROWER FAILS TO FULFILL THEIR OBLIGATIONS, THE GUARANTOR IS OBLIGED TO PAY INSTEAD OF THE BORROWER, AND THE GUARANTOR’S CREDIT HISTORY WILL ALSO BE AFFECTED, AND IT IS POSSIBLE THAT THE GUARANTOR MAY LOSE THEIR OWN PROPERTY.
IN CASE THE BORROWER FAILS TO FULFILL THEIR OBLIGATIONS, THE GUARANTOR IS OBLIGED TO PAY INSTEAD OF THE BORROWER, AND THE GUARANTOR’S CREDIT HISTORY WILL ALSO BE AFFECTED, AND IT IS POSSIBLE THAT THE GUARANTOR MAY LOSE THEIR OWN PROPERTY.
Repayment of overdue obligations
For each overdue day, a penalty of 0.1315% of the unpaid amount is charged.
Early loan repayment
In case of early loan repayment, if provided by the loan agreement, the Bank has the right to demand from the client to pay a penalty of up to 5% of the amount being repaid early.
Decision-making and client notification regarding loan disbursement
1–7 working days from the date of receipt of the required documents package, after which the client is informed within 1 working day.
Loan disbursement period
1–7 working days after the decision to grant the loan, upon submission of the required documents.
Validity of loan approval decision
30 days
Loan disbursement location
Loans are formalized in the Bank’s branches and Central Office.
Loan disbursement method
Non-cash, through the client’s account opened with the Bank.
Fee for reviewing loan conditions
20,000 AMD
Fee for consents provided by the Bank
10,000 AMD
Repayment method
- annuity (monthly equal repayments of principal and interest)
- differentiated (equal principal repayments and monthly interest payments)
- Individual repayment schedule
ATTENTION:
LOAN INTEREST AMOUNTS ARE CALCULATED BASED ON THE NOMINAL INTEREST RATE, WHILE THE ANNUAL EFFECTIVE INTEREST RATE SHOWS HOW MUCH THE LOAN WOULD COST IF INTEREST AMOUNTS AND OTHER PAYMENTS ARE MADE WITHIN THE DEFINED TERMS AND AMOUNTS. YOU CAN FIND THE PROCEDURE FOR CALCULATING THE ANNUAL EFFECTIVE INTEREST RATE IN THE «ANNUAL EFFECTIVE INTEREST RATE CALCULATION GUIDE».
LOAN INTEREST AMOUNTS ARE CALCULATED BASED ON THE NOMINAL INTEREST RATE, WHILE THE ANNUAL EFFECTIVE INTEREST RATE SHOWS HOW MUCH THE LOAN WOULD COST IF INTEREST AMOUNTS AND OTHER PAYMENTS ARE MADE WITHIN THE DEFINED TERMS AND AMOUNTS. YOU CAN FIND THE PROCEDURE FOR CALCULATING THE ANNUAL EFFECTIVE INTEREST RATE IN THE «ANNUAL EFFECTIVE INTEREST RATE CALCULATION GUIDE».
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Updated as of 17.02.2026 10:17