{"id":22,"date":"2017-07-01T04:26:57","date_gmt":"2017-07-01T04:26:57","guid":{"rendered":"http:\/\/mycredit.am\/%d5%b0%d5%ab%d5%ba%d5%b8%d5%a9%d5%a5%d6%84%d5%a1%d5%b5%d5%ab%d5%b6-%d5%be%d5%a1%d6%80%d5%af%d5%a5%d6%80"},"modified":"2020-01-15T11:07:28","modified_gmt":"2020-01-15T07:07:28","slug":"mortage-loans","status":"publish","type":"post","link":"http:\/\/mycredit.am\/en\/mortage-loans","title":{"rendered":"MORTGAGE LOANS"},"content":{"rendered":"<div class=\"tabs\">\r\n<ul class=\"tab-titles\">\r\n \t<li class=\"active\">Affordable Housing for Youth<\/li>\r\n \t<li>Mortgage loans for the purpose of apartment acquisition in new-built residential buildings and buildings under construction within the frame of implementation of state target program&#8221;Affordable Housing for Youth&#8221; <\/li>\r\n \t<li>Property Acquisition<\/li>\r\n         <li>Repair or Construction<\/li>\r\n<\/ul>\r\n<ul class=\"tab-contents\">\r\n \t<li class=\"active\">\r\n<h3 class=\"text-center\">Mortgage Loans<\/h3>\r\n<table class=\"table\">\r\n<tbody>\r\n<tr>\r\n <td colspan=\"10\">Conditions<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">Currency of the loan<\/th>\r\n<td colspan=\"3\">AMD; USD<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">Minimum loan amount<\/th>\r\n<td colspan=\"3\">100,000 AMD<\/td>\r\n<\/tr>\r\n<tr>\r\n\r\n<th colspan=\"5\">Minimum loan amount<\/th>\r\n<td colspan=\"3\">13%<\/td>\r\n\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">Loan account minimum service charge*<\/th>\r\n<td colspan=\"3\">1%<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">Method of loan principal and interest repayment<\/th>\r\n<th colspan=\"3\">Monthly \u2013 annuity method or regular payment (at the wish of the customer)<\/th>\r\n\r\n<\/tr>\r\n<tr>\r\n<td colspan=\"2\">100%<\/td>\r\n<td colspan=\"3\">5 years (60 months)<\/td>\r\n<td colspan=\"4\">17%<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">Loan account service charge*<\/th>\r\n<td colspan=\"3\">1%, min. 20.000 AMD<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">Method of loan principal and interest repayment<\/th>\r\n<td colspan=\"3\">Monthly &#8211; annuity method or regular\r\npayment (at the wish of the\r\ncustomer)<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"10\">In case of the breach of the schedule set by the contract, the following penalties will be applied.<\/th>\r\n\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"10\">The interest, set forth in the Contract, becomes inoperative in regard to the overdue loan starting from the date of delay and the bank interest settlement rate, set by the Central Bank of Armenia, is calculated from the date of delay until the termination date of the overdue liability.<\/th>\r\n\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">In case of delay in loan repayment<\/th>\r\n<td colspan=\"3\">Penalty \u2013 amounting to 0,2 per cent of overdue Loan \u2013 for each day of the delay<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">In case of delay in interest payment<\/th>\r\n<td colspan=\"3\">Penalty \u2013 amounting to 0,2 per cent of overdue Interest \u2013 for each day of the delay<\/td>\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"10\">Pledged property annual insurance **<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">Accident<\/th>\r\n<td colspan=\"3\">In the full amount of the provided loan<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">Real estate<\/th>\r\n<td colspan\"3\">In the amount of the market value<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">Pledged property evaluation by an independent appraiser**<\/th>\r\n<td colspan\"3\">Mandatory<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">Early, partial or full repayment of the loan\t<\/th>\r\n<td colspan\"3\">No penalties<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"5\">Term of making decision for loaning<\/th>\r\n<td colspan=\"3\">10 business days<\/td>\r\n<\/tr>\r\n<td colspan=\"10\">Loans are provided in cash from the Company&#8217;s cashier desk or in a non-cash way from the Company&#8217;s bank account.<\/td>\r\n<tr>\r\n<\/tr>\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/li>\r\n \t<li>\r\n<h3 class=\"text-center\">Mortgage Loans<\/h3>\r\n<table class=\"table\">\r\n<tbody>\r\n<tr>\r\n<th colspan=\"3\">Currency of the loan<\/th>\r\n<td>AMD; USD<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"3\">Minimum loan amount<\/th>\r\n<td>AMD 1,000,000<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"3\">Maximum loan amount<\/th>\r\n<td>AMD 25,000,000 AMD<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"3\">Maximum loan period<\/th>\r\n<th>20 years (240 months)<\/th>\r\n\r\n<\/tr>\r\n<tr>\r\n<td colspan=\"3\">Loan\/ loan coverage maximum ratio on the assumption of pledge assessed market price ***<\/td>\r\n<td>70%<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"3\">Loan minimum annual interest rate<\/th>\r\n<td>13%<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"3\">Loan account minimum service charge*<\/th>\r\n<td>1%<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"3\">Method of loan principal and interest repayment<\/th>\r\n<td colspan=\"3\">Monthly \u2013 annuity method or regular payment (at the wish of the customer)<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"10\">In case of the breach of the schedule set by the contract, the following penalties will be applied.<\/th>\r\n\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"10\">The interest, set forth in the Contract, becomes inoperative in regard to the overdue loan starting from the date of delay and the bank interest settlement rate, set by the Central Bank of Armenia, is calculated from the date of delay until the termination date of the overdue liability.<\/th>\r\n\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">In case of delay in loan repayment<\/th>\r\n<td colspan=\"10\">enalty \u2013 amounting to 0,2 per cent of overdue Loan \u2013 for each day of the delay<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">In case of delay in interest payment<\/th>\r\n<td colspan=\"10\">Penalty \u2013 amounting to 0,2 per cent of overdue Interest \u2013 for each day of the delay<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"3\">Pledged property annual insurance **<\/th>\r\n\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">Accident<\/th>\r\n<td colspan=\"10\">In the full amount of the provided loan<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">Real estate<\/th>\r\n<td colspan=\"10\">In the amount of the market value<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">Pledged property evaluation by an independent appraiser**<\/th>\r\n<td colspan=\"10\">Mandatory<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">Early, partial or full repayment of the loan<\/th>\r\n<td colspan=\"10\">No penalties<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">Term of making decision for loaning<\/th>\r\n<td colspan=\"10\">10 business days<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"3\">Loans are provided in cash from the Company&#8217;s cashier desk or in a non-cash way from the Company&#8217;s bank account.<\/th>\r\n\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/li>\r\n \t<li>\r\n<h3 class=\"text-center\">Mortgage Loans<\/h3>\r\n<table class=\"table\">\r\n<tbody>\r\n<tr>\r\n<th colspan=\"2\">Currency of the loan<\/th>\r\n<td colspan=\"10\">AMD<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"10\">Loan debtor<\/th>\r\n\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"10\">Eligibility criteria: Citizens of Armenia aged over 18 purchasing apartments in new-built residential buildings and buildings under construction situated at 8\/2 Adonc st., 6\/1 Adonc st. and 27 Azatutyan ave., Yerevan. <\/th>\r\n\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">Loan\/ loan coverage maximum ratio on the assumption of pledge assessed market price<\/th>\r\n<th  colspan=\"10\">70%<\/th>\r\n\r\n<tr>\r\n<td colspan=\"2\">Minimum loan period<\/td>\r\n<td colspan=\"10\">10 years (120 months)<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">Maximum loan amount<\/th>\r\n<td colspan=\"10\">20,000,000 AMD, but not exceeding 70% of cost of apartment to be purchased <\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">Method of loan disbursement<\/td>\r\n<th colspan=\"10\">Non-cash \u2013 Amount borrowed is transferred to the current account of \u2018\u2019Mikshin\u2019\u2019 LLC. <\/th>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">Loan minimum annual interest rate<\/th>\r\n<td colspan=\"10\">\r\n 10.5%\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">Loan account service charge*<\/th>\r\n<td colspan=\"10\">Not required<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">Loan account service charge*<\/th>\r\n<td colspan=\"10\">1%<\/td>\r\n<\/tr>\r\n<tr>\r\n<th colspan=\"2\">Method of loan principal and interest repayment<\/th>\r\n<td colspan=\"10\">Monthly \u2013 annuity method or regular payment (at the wish of the customer)<\/td>\r\n<\/tr>\r\n<tr>\r\n\r\n<th colspan=\"2\">Loan account service charge*<\/th>\r\n<td colspan=\"10\">Apartment to be purchased.\r\nNote: in case of apartments under construction collateralization is made upon completion of construction and submission of ownership certificate in the name of seller.<\/td>\r\n<\/tr>\r\n<tr colspan=\"2\"><\/th>\r\n<td colspan=\"10\">In case of breach of schedule set by the contract, the following penalties will be applied\r\nThe interest, set forth in the Contract, becomes ineffective in regard to the overdue loan starting from the date of delay and the bank interest settlement rate, set by the Central Bank of Armenia, is calculated from the date of delay till the termination date of overdue liability. <\/td>\r\n<\/tr>\r\n<tr>\r\n<tr>\r\n <td colspan=\"2\">Pledged property evaluation by an independent appraiser**<\/td>\r\n<th colspan=\"10\">Mandatory<\/th>\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"2\">Insurance of<\/td>\r\n<th colspan=\"10\">Insurance of pledged real estate. Borrower and co-borrower (s) life insurance.<\/th>\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"2\">In case of delay in loan repayment<\/td>\r\n<th colspan=\"10\">Penalty \u2013 amounting to 0,2 per cent of overdue Loan \u2013 for each day of the delay<\/th>\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"2\">In case of delay in interest payment<\/td>\r\n<th colspan=\"10\">Penalty \u2013 amounting to 0,2 per cent of overdue Interest \u2013 for each day of the delay<\/th>\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"2\">Early, partial or full repayment of the loan<\/td>\r\n<th colspan\"10\">No penalties<\/th>\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"2\">Term of making decision for loaning<\/td>\r\n <th colspan=\"10\">5 business days<\/th>\r\n<\/tr>\r\n<td colspan=\"10\">Loans are provided in cash from the Company&#8217;s cashier desk or in a non-cash way from the Company&#8217;s bank account.<\/td>\r\n<\/tr>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/li>\r\n \t<ul class=\"tab-contents\">\r\n \t<li>\r\n<h3 class=\"text-center\">Mortgage Loans<\/h3>\r\n<h3>Conditions<\/h3>\r\n<table class=\"table\">\r\n <tr>\r\n <td colspan=\"3\">Currency of the loan<\/td>\r\n<th colspan=\"10\">AMD; USD<\/th>\r\n<\/tr>\r\n <tr>\r\n <td colspan=\"3\">Maximum loan period<\/td>\r\n<th colspan=\"10\">15 years (180 months)<\/th>\r\n<\/tr> <tr>\r\n <td colspan=\"3\">Minimum loan amount<\/td>\r\n<th colspan=\"10\">100,000 AMD<\/th>\r\n<\/tr> <tr>\r\n <td  colspan=\"3\">Maximum loan period<\/td>\r\n<th colspan=\"10\">25,000,000 AMD<\/th>\r\n<\/tr> <tr>\r\n <td colspan=\"3\">Loan minimum annual interest rate<\/td>\r\n<th colspan=\"10\">13%<\/th>\r\n<\/tr> <tr>\r\n <td colspan=\"3\">Loan account monthly service charge<\/td>\r\n<th colspan=\"10\">AMD 2,000<\/th>\r\n<\/tr> <tr>\r\n <td colspan=\"3\">Method of loan principal and interest repayment<\/td>\r\n<th colspan=\"10\">Monthly \u2013 annuity method or regular payment (at the wish of the customer)<\/th>\r\n<\/tr> <tr>\r\n <td colspan=\"20\">Loan security<\/td>\r\n\r\n<\/tr> <tr>\r\n <td colspan=\"3\">Loan\/ loan coverage maximum ratio on the assumption of pledge assessed market price ***<\/td>\r\n<th colspan=\"10\">70%<\/th>\r\n<\/tr> <tr>\r\n <td colspan=\"10\">a\/ in case of a loan amounting up to AMD 1,000,000 or equivalent foreign currency<\/th>\r\n<\/tr> <tr>\r\n <td colspan=\"3\">Guarantee of at least 2 physical and\/or legal entities or other acceptable pledge<\/td>\r\n<th colspan=\"10\">b\/ for the part of the loan exceeding AMD 1,000,000 or equivalent foreign currency<\/th>\r\n<\/tr> <tr>\r\n <td colspan=\"20\">Real and\/or movable estate or other acceptable pledge<\/td>\r\n\r\n<\/tr> <tr>\r\n <td colspan=\"20\">In case of the breach of the schedule set by the contract, the following penalties will be applied.<\/td>\r\n\r\n<\/tr> <tr>\r\n <td colspan=\"20\">The interest, set forth in the Contract, becomes inoperative in regard to the overdue loan starting from the date of delay and the bank interest settlement rate, set by the Central Bank of Armenia, is calculated from the date of delay until the termination date of the overdue liability.<\/td>\r\n\r\n<tr>\r\n<td colspan=\"3\">In case of delay in loan repayment<\/td>\r\n<th colspan=\"10\">Penalty \u2013 amounting to 0,2 per cent of overdue Loan \u2013 for each day of the delay<\/th>\r\n<\/tr>\r\n<\/tr>\r\n<td colspan=\"3\">In case of delay in interest payment\t<\/td>\r\n<th colspan=\"10\">Penalty \u2013 amounting to 0,2 per cent of overdue Interest \u2013 for each day of the delay<\/th>\r\n<\/tr>\r\n<\/tr>\r\n<td colspan=\"3\">Insurance of<\/td>\r\n<th colspan=\"10\">Pledged real estate. Loan debtor and co-debtor life insurance debtor and co-debtor life insurance<\/th>\r\n\r\n<\/tr>\r\n<\/tr>\r\n<td colspan=\"3\">Pledged property evaluation by an independent appraiser**<\/td>\r\n<th colspan=\"10\">Mandatory<\/th>\r\n<\/tr>\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"10\">Pledged property annual insurance **<\/td>\r\n\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"3\">Accident<\/td>\r\n<th colspam=\"10\">In the full amount of the provided loan<\/th>\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"3\">Real estate<\/td>\r\n<th colspan=\"10\">In the amount of the market value<\/th>\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"3\">Method of loan principal and interest repayment<\/td>\r\n<th colspan=\"10\">Monthly \u2013 annuity method or by means of loan principal regular repayments<\/th>\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"3\">Early, partial or full repayment of the loan<\/td>\r\n<th colspan=\"10\">No penalties<\/th>\r\n\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"3\">Term of making decision for loaning<\/td>\r\n <th colspan=\"10\">5 business days<\/th>\r\n\r\n<\/tr>\r\n<tr>\r\n <td colspan=\"20\">Loans are provided in cash from the Company&#8217;s cashier desk or in a non-cash way from the Company&#8217;s bank account.<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/li>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/li>\r\n<\/ul>\r\n<\/div>\r\n<p>\r\n* is charged one-time at the moment of loaning\r\n** Pledged property and accident insurance (&#8220;ROSGOSSTRAKH ARMENIA&#8221; &#8220;NAIRI INSURANSE&#8221; ) and assessment are realized by the specialized organizations (&#8220;Pledge assessment price range&#8221; ) as per their statutory tariffs.\r\n*** Loan\/loan coverage maximum ratio 90% is possible, if apart from the acquirable property other real estate is also pledged.<\/p>\r\n\r\n<div class=\"mycredit-pdf gray\">\r\n    <a href=\"http:\/\/mycredit.am\/wp-content\/uploads\/2017\/07\/Grafik_en.pdf\" target=\"_blank\">\r\n        <svg width=\"27\" height=\"25\" viewBox=\"0 0 27 25\">\r\n            <g fill=\"none\" fill-rule=\"evenodd\">\r\n                <rect width=\"27\" height=\"25\" fill=\"#CF2933\" fill-opacity=\".991\" rx=\"1.26\"\/>\r\n                <path fill=\"#FFF\" fill-rule=\"nonzero\" d=\"M21.312 16.338c-.556-1.024-2.992-1.677-5.143-1.8a29.745 29.745 0 0 1-.594-.671c-1.849-2.156-2.597-5.289-2.877-6.949-.033-.351-.07-.644-.1-.862-.025-.173-.077-.534-.446-.534a.417.417 0 0 0-.313.143c-.131.153-.111.318-.088.507.026.218.065.51.122.842.157 1.686.231 4.894-1.04 7.443-.133.265-.265.52-.396.764-2.38.706-4.3 1.965-4.58 3.009-.102.378-.014.74.25 1.02.305.327.667.492 1.073.492 1.126 0 2.41-1.279 3.814-3.8a11.85 11.85 0 0 1 1.847-.346c.234-.024.612-.075.845-.111.64-.101 1.366-.142 2.111-.117 1.725 1.829 3.135 2.756 4.192 2.756.567 0 1.037-.282 1.322-.794a1 1 0 0 0 0-.992zM7.18 18.894c-.176 0-.327-.072-.474-.23-.06-.064-.074-.119-.049-.21.145-.537 1.363-1.459 3.143-2.128-1.005 1.619-1.968 2.568-2.62 2.568zm6.378-4.246c-.22.035-.58.083-.802.106-.403.04-.817.106-1.236.193l.053-.105c.623-1.25 1.01-2.748 1.152-4.465.572 1.633 1.318 2.991 2.224 4.048l.081.095c-.523.013-1.016.057-1.472.128zm7.028 2.266a.647.647 0 0 1-.615.364c-.66 0-1.676-.637-2.892-1.807 1.882.241 3.26.822 3.507 1.278.035.066.035.101 0 .165z\"\/>\r\n            <\/g>\r\n        <\/svg>\r\n        <span class=\"mycredit-pdf-title\">List of necessary documents for mortgage Loans<\/span>\r\n    <\/a>\r\n<\/div>\r\n<div class=\"mycredit-pdf gray\">\r\n    <a href=\"http:\/\/mycredit.am\/wp-content\/uploads\/2017\/07\/hipotek_cank_en.pdf\" target=\"_blank\">\r\n        <svg width=\"27\" height=\"25\" viewBox=\"0 0 27 25\">\r\n            <g fill=\"none\" fill-rule=\"evenodd\">\r\n                <rect width=\"27\" height=\"25\" fill=\"#CF2933\" fill-opacity=\".991\" rx=\"1.26\"\/>\r\n                <path fill=\"#FFF\" fill-rule=\"nonzero\" d=\"M21.312 16.338c-.556-1.024-2.992-1.677-5.143-1.8a29.745 29.745 0 0 1-.594-.671c-1.849-2.156-2.597-5.289-2.877-6.949-.033-.351-.07-.644-.1-.862-.025-.173-.077-.534-.446-.534a.417.417 0 0 0-.313.143c-.131.153-.111.318-.088.507.026.218.065.51.122.842.157 1.686.231 4.894-1.04 7.443-.133.265-.265.52-.396.764-2.38.706-4.3 1.965-4.58 3.009-.102.378-.014.74.25 1.02.305.327.667.492 1.073.492 1.126 0 2.41-1.279 3.814-3.8a11.85 11.85 0 0 1 1.847-.346c.234-.024.612-.075.845-.111.64-.101 1.366-.142 2.111-.117 1.725 1.829 3.135 2.756 4.192 2.756.567 0 1.037-.282 1.322-.794a1 1 0 0 0 0-.992zM7.18 18.894c-.176 0-.327-.072-.474-.23-.06-.064-.074-.119-.049-.21.145-.537 1.363-1.459 3.143-2.128-1.005 1.619-1.968 2.568-2.62 2.568zm6.378-4.246c-.22.035-.58.083-.802.106-.403.04-.817.106-1.236.193l.053-.105c.623-1.25 1.01-2.748 1.152-4.465.572 1.633 1.318 2.991 2.224 4.048l.081.095c-.523.013-1.016.057-1.472.128zm7.028 2.266a.647.647 0 0 1-.615.364c-.66 0-1.676-.637-2.892-1.807 1.882.241 3.26.822 3.507 1.278.035.066.035.101 0 .165z\"\/>\r\n            <\/g>\r\n        <\/svg>\r\n        <span class=\"mycredit-pdf-title\">Example of interest amount calculation<\/span>\r\n    <\/a>\r\n<\/div>\r\n<div class=\"mycredit-pdf gray\">\r\n    <a href=\"http:\/\/mycredit.am\/wp-content\/uploads\/2017\/07\/Karevor_texekutyun_en.pdf\" target=\"_blank\">\r\n        <svg width=\"27\" height=\"25\" viewBox=\"0 0 27 25\">\r\n            <g fill=\"none\" fill-rule=\"evenodd\">\r\n                <rect width=\"27\" height=\"25\" fill=\"#CF2933\" fill-opacity=\".991\" rx=\"1.26\"\/>\r\n                <path fill=\"#FFF\" fill-rule=\"nonzero\" d=\"M21.312 16.338c-.556-1.024-2.992-1.677-5.143-1.8a29.745 29.745 0 0 1-.594-.671c-1.849-2.156-2.597-5.289-2.877-6.949-.033-.351-.07-.644-.1-.862-.025-.173-.077-.534-.446-.534a.417.417 0 0 0-.313.143c-.131.153-.111.318-.088.507.026.218.065.51.122.842.157 1.686.231 4.894-1.04 7.443-.133.265-.265.52-.396.764-2.38.706-4.3 1.965-4.58 3.009-.102.378-.014.74.25 1.02.305.327.667.492 1.073.492 1.126 0 2.41-1.279 3.814-3.8a11.85 11.85 0 0 1 1.847-.346c.234-.024.612-.075.845-.111.64-.101 1.366-.142 2.111-.117 1.725 1.829 3.135 2.756 4.192 2.756.567 0 1.037-.282 1.322-.794a1 1 0 0 0 0-.992zM7.18 18.894c-.176 0-.327-.072-.474-.23-.06-.064-.074-.119-.049-.21.145-.537 1.363-1.459 3.143-2.128-1.005 1.619-1.968 2.568-2.62 2.568zm6.378-4.246c-.22.035-.58.083-.802.106-.403.04-.817.106-1.236.193l.053-.105c.623-1.25 1.01-2.748 1.152-4.465.572 1.633 1.318 2.991 2.224 4.048l.081.095c-.523.013-1.016.057-1.472.128zm7.028 2.266a.647.647 0 0 1-.615.364c-.66 0-1.676-.637-2.892-1.807 1.882.241 3.26.822 3.507 1.278.035.066.035.101 0 .165z\"\/>\r\n            <\/g>\r\n        <\/svg>\r\n        <span class=\"mycredit-pdf-title\">Important information<\/span>\r\n    <\/a>\r\n<\/div>\r\n<div class=\"mycredit-pdf gray\">\r\n    <a href=\"http:\/\/mycredit.am\/wp-content\/uploads\/2017\/07\/Vark_tramadrelu_en.pdf\" target=\"_blank\">\r\n        <svg width=\"27\" height=\"25\" viewBox=\"0 0 27 25\">\r\n            <g fill=\"none\" fill-rule=\"evenodd\">\r\n                <rect width=\"27\" height=\"25\" fill=\"#CF2933\" fill-opacity=\".991\" rx=\"1.26\"\/>\r\n                <path fill=\"#FFF\" fill-rule=\"nonzero\" d=\"M21.312 16.338c-.556-1.024-2.992-1.677-5.143-1.8a29.745 29.745 0 0 1-.594-.671c-1.849-2.156-2.597-5.289-2.877-6.949-.033-.351-.07-.644-.1-.862-.025-.173-.077-.534-.446-.534a.417.417 0 0 0-.313.143c-.131.153-.111.318-.088.507.026.218.065.51.122.842.157 1.686.231 4.894-1.04 7.443-.133.265-.265.52-.396.764-2.38.706-4.3 1.965-4.58 3.009-.102.378-.014.74.25 1.02.305.327.667.492 1.073.492 1.126 0 2.41-1.279 3.814-3.8a11.85 11.85 0 0 1 1.847-.346c.234-.024.612-.075.845-.111.64-.101 1.366-.142 2.111-.117 1.725 1.829 3.135 2.756 4.192 2.756.567 0 1.037-.282 1.322-.794a1 1 0 0 0 0-.992zM7.18 18.894c-.176 0-.327-.072-.474-.23-.06-.064-.074-.119-.049-.21.145-.537 1.363-1.459 3.143-2.128-1.005 1.619-1.968 2.568-2.62 2.568zm6.378-4.246c-.22.035-.58.083-.802.106-.403.04-.817.106-1.236.193l.053-.105c.623-1.25 1.01-2.748 1.152-4.465.572 1.633 1.318 2.991 2.224 4.048l.081.095c-.523.013-1.016.057-1.472.128zm7.028 2.266a.647.647 0 0 1-.615.364c-.66 0-1.676-.637-2.892-1.807 1.882.241 3.26.822 3.507 1.278.035.066.035.101 0 .165z\"\/>\r\n            <\/g>\r\n        <\/svg>\r\n        <span class=\"mycredit-pdf-title\">Factors for positive and negative decision on loan provision<\/span>\r\n    <\/a>\r\n<\/div>\r\n<br><\/br>\r\n<a href=\"https:\/\/www.abcfinance.am\/finhelper\" target=\"_blank\">\r\n<img decoding=\"async\" style=\"width: 120px; height: 120px; border: 0;\" src=\"http:\/\/mycredit.am\/wp-content\/uploads\/2020\/01\/FinInfoLogo.png\"  alt=\"HTML tutorial\" \/>\r\n<\/a>","protected":false},"excerpt":{"rendered":"Lorem ipsum dolor sit 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