Package IDhome
PACKAGE OF SERVICES FOR BORROWERS OF MORTGAGE LOANS
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MORTGAGE LOANSStarting from 4.99%
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ROCKET LINEUp to 10% of the mortgage loan
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CREDIT LINEUp to 5% of the mortgage loan
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SAVINGS ACCOUNTInterest rate applied in the Bank + 0,5%
Package IDhome
Approved by resolution N 308-L of the
Management Board of “IDBank” CJSC
as of February 18, 2021
Applied since March 1, 2021
The terms mentioned in the bulletin can have been amended.
If you are looking through the bulletin on the website of the Bank, please pay attention to the action date of the information bulletin.
If you are looking through the bulletin on the territory of the Bank or in a paper form, please visit the Bank’s website at www.idbank.am for detailed information (paying attention at the action date of the information bulletin), apply to any branch of the Bank or contact the Bank’s Call Center at (+37410) 59 33 33, (+37460) 27 33 33.
PACKAGE OF SERVICES FOR BORROWERS OF MORTGAGE LOANS – IDhome |
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General terms |
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1. MORTGAGE LOANS |
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1. |
Annual interest rate |
Fixed interest rate
Floating interest rate |
2․ | Currency | AMD |
3. |
Other terms |
According to "Mortgage loans for the purpose of acquisition of real estate property" information bulletin applied in the Bank |
2. Rocket Line1 |
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4. |
Maximum loan amount |
Up to 10% of the mortgage loan, not more than AMD 10 000 000 |
5. |
Other terms |
According to "ROCKET LINE loan/credit limit" information bulletin applied in the Bank |
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3. CREDIT LINE1 |
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6. |
Maximum loan amount |
Up to 5% of the mortgage loan, not more than AMD 5 000 000 |
7. |
Other terms |
According to Fast credit lines information bulletin applied in the Bank |
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4. CREDIT CARD |
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8. |
Card type |
Visa Platinum |
9. |
Annual card account service fee |
Free of charge |
10. |
Other terms |
According to "Credit payment cards" information bulletin applied in the Bank |
5. BANK ACCOUNT |
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11. |
Account currency |
AMD, USD, RUR, EUR |
12. |
Account opening |
Free of charge |
13. |
Other terms |
According to "Tariffs of bank accounts, transfers, other services rendered by IDBank CJSC" information bulletin applied in the Bank |
6. SAVINGS ACCOUNT |
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14. |
Account currency |
AMD |
15. |
Interest rate |
Interest rate applied in the Bank + 0,5% |
16. |
Other terms |
According to "Savings accounts" information bulletin applied in the Bank |
7. INSURANCE |
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17. |
Type |
Finance Insurance |
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18. |
Insurance fee |
Free of charge |
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19. |
Insurance coverage |
Risks included |
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1. Insurance against unemployment 2. Insurance against accidents 3. Insurance against critical diseases 4. Insurance against hospitalization risk |
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8․ REMOTE SERVICES |
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20. |
Online/Mobile banking |
Free of charge |
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TARIFFS OF PROVISION OF THE PACKAGE |
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21. |
Mortgage loan provision payment within the package |
AMD 20 000, if the annual interest rate of the loan is 7,99% - 11% |
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22. |
Monthly fee for package usage |
AMD 2 000 |
1The sum of unsecured loans of the borrower at "ID Bank" CJSC cannot exceed AMD 10 000 000.
GENERAL PROVISIONS
1. In case if the client refuses the package, the services included in the package shall be rendered according to the tariffs applied in the Bank.
2. Disputes arising between the parties can be settled in a court proceeding or by the Financial system mediator (in the order prescribed by the RA law on “Financial system mediator”), located at 0010, Yerevan, 15 M. Khorenatsi St, “Elite Plaza” business center, 7th floor, e-mail – info@fsm.am, telephone – (+37460) 701111, fax –(+37410) 582421. Moreover, if the property claim does not exceed AMD 500,000 (five hundred thousand) or its equivalent in a foreign currency, the decision of the financial system mediator cannot be challenged by the Bank.
3. For the purpose of proper study of the client as defined by RA law on “Combating money laundering and terrorism financing”, the Bank may require additional documents or information based on “Know Your Client” principle.
4. According to the agreement with the USA based on the Foreign Account Tax Compliance Act (FATCA) the Bank may collect additional information for the purpose of identification of the fact of the client being a US taxpayer.
5. The Client has the right to communicate with the Bank through a preferred means of communication: e-mail or regular post. The electronic means of communication is the most comfortable. It is available 24/7 and is free of the risk of losing information in paper as well as ensures confidentiality.
6. The list of branches and ATMs of the Bank, information on their locations and working hours can be found at the following link: Branches and ATMs. Branches and ATMs.
7. Remote servicing by the Bank is provided thought the IDBanking.am online system. The order and tariffs on rendering remote servicing are presented in “Public terms on rendering remote banking services”.
ATTENTION! THE BANK IS CONTROLLED BY THE RA CENTRAL BANK
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Loan application -
Passport, ID card or other identification document of the borrower/co-borrower
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SSN /reference on non-receiving of SSV of the borrower /co-borrower
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Documents containing information on spouses
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Income proof of the borrower /co-borrower *
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Other documents as required