Chat with us, powered by IDBank

Package IDhome


PACKAGE OF SERVICES FOR BORROWERS OF MORTGAGE LOANS



  • MORTGAGE LOANS
    Starting from 4.99%
  • ROCKET LINE
    Up to 10% of the mortgage loan
  • CREDIT LINE
    Up to 5% of the mortgage loan
  • SAVINGS ACCOUNT
    Interest rate applied in the Bank + 0,5%


Apply for mortgage online
Name Required field
Surname Required field
Phone
Required field
E-mail Required field Wrong E-mail
I give my consent to IDBank to process and provide my personal data to third parties, if necessary, in accordance with the RA Law on Protection of Personal Data.
The page was updated 10.09.2020 11:29

Package IDhome

Approved by resolution N 308-L of the
Management Board of “IDBank” CJSC
as of August 20, 2020
Applied since September 7, 2020

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

General terms

 

1.     MORTGAGE LOANS

1.

Annual interest rate

Starting from 4.99% depending on the project owner

2.

Other terms

According to "Mortgage loans for the purpose of acquisition of real estate property" information bulletin applied in the Bank

2. Rocket Line1

3.

Maximum loan amount

Up to 10% of the mortgage loan, not more than AMD 10 000 000

4.

Other terms

According to "ROCKET LINE loan/credit limit" information bulletin applied in the Bank

 

3. CREDIT LINE1

5.

Maximum loan amount

Up to 5% of the mortgage loan, not more than AMD 5 000 000

6.

Other terms

According to Credit lines information bulletin applied in the Bank

 

4.     CREDIT CARD

7.

Card type

Visa Platinum

8.

Annual card account service fee

Free of charge

9.

Other terms

According to "Credit payment cards" information bulletin applied in the Bank

5. BANK ACCOUNT

10.

Account currency

AMD, USD, RUR, EUR

11.

Account opening

Free of charge

12.

Other terms

According to "Tariffs of bank accounts, transfers, other services rendered by IDBank CJSC" information bulletin applied in the Bank

6. SAVINGS ACCOUNT

13.

Account currency

AMD

14.

Interest rate

Interest rate applied in the Bank + 0,5%

15.

Other terms

According to "Savings accounts" information bulletin applied in the Bank

7.     INSURANCE

16.

Type

Finance Insurance

17.

Insurance fee

Free of charge

18.

Insurance coverage

Risks included

1. Insurance against unemployment

2. Insurance against accidents

3. Insurance against critical diseases

4. Insurance against hospitalization risk

More details

8․ REMOTE SERVICES

19.

Online/Mobile banking

Free of charge

TERMS OF PROVISION OF THE PACKAGE

20.

One-time connection fee

AMD 20 000- 50 000 – set depending on the interest rate of provision of the mortgage loan

21

Monthly package service fee

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


The page was updated 09.09.2020 15:48
The following documents should be presented to the Bank:

  • Loan application

  • Passport, ID card or other identification document of the borrower/co-borrower

  • SSN /reference on non-receiving of SSV of the borrower /co-borrower 

  • Documents containing information on spouses

  • Income proof of the borrower /co-borrower *

  • Other documents as required  

The page was updated 09.09.2020 17:36
Attention: The Bank does not bear any responsibility for the inaccuracy of information on the linked web sites, nor does it accept any responsibility for the advertisements therein or possible consequences arising out of use of information provided on the linked web-sites. In case of any discrepancies in the website materials in Armenian, Russian and English languages, the Armenian version is prevailing.