From December 1 to 31, Ardshinbank provides loans secured by gold items starting from a 3.5% nominal interest rate instead of the previous 5%. The actual loan interest rate is 17.16%. This gold-secured loan is provided for 90 days. At the end of the term, you either have to repay the loan in full with a one-time repayment or extend the term of the loan by choosing the most convenient of the options offered by the Bank.

Note that in Ardshinbank, gold secured loans are provided in AMD and in US dollars, up to 300% of the estimated value of the collateral.