“KAMURJ” UCO CJSC provides loans for various needs, including consumer, business, agricultural, and mortgage loans.

A consumer loan is designed to quickly and conveniently meet your everyday financial needs. It can be used for any personal consumption purposes, from household purchases to travel and leisure expenses.

Adult citizens of the Republic of Armenia who meet the lending requirements may apply for a loan.

An identity document is required, as well as additional documents depending on the type of loan.

The loan approval and disbursement process may take from a few seconds to several working days, depending on the type of loan and the submitted documents.

The interest rate depends on the type of loan, the amount, and the term. For more details, you may visit the Loans section or contact us.

Yes, early repayment is possible in accordance with the terms specified in the loan agreement.

You can make payments at the Company’s branches, through banks, or via online payment systems.

Yes, you can fill out an online application on the website and wait for feedback from a specialist.

Credit history is the complete set of information about a customer’s financial obligations and their repayment behavior.

It shows how a person has fulfilled their loan payments—whether on time, with delays, or not at all. Credit history includes data on past and current loans, guarantees, overdue obligations, and payment records.

Credit history is used to assess a person’s creditworthiness.

You can contact us by phone at +374 11 27 00 00, by email at info@kamurj.am, or by visiting the nearest branch.

A bond is a debt security that entitles its holder to receive the nominal value of the bond from the issuer at a specified maturity date, along with interest payments in the form of coupons (for a coupon bond).

In other words, by investing in bonds, the investor receives their invested amount back after a certain period, together with additional income.

Placement is the primary sale of bonds to investors.

To buy bonds in Armenia, you need to open a securities custody account and sign a brokerage agreement with a bank or an investment company.