In the event of the non-performance or improper performance of his/her liabilities under the Loan Agreement, the Borrower may be be stripped of his/her right to the property being acquired/pledged. 
In the event of a failure to fully redeem the credit liabilites, the full redemption shall be made at the expense of other means and property units pertaining to the Borrower and the Pledgers. 
The loans shall be issued by way of the implementation of standard-term contracts. In the event of the acquisition and pledging of parking lots, a separate loan and pledge agreement shall be signed for the parking lot in question. The collateral agreement (agreements) shall be notarized. The right to the purchase of an apartment and, after the completion of improvement activities, the rights to ownership and the Bank’s right to pledge and other property rights shall be subject to state registration.  
The value of the Settlement Rate of a loan issued at a floating interest rate shall equal the SR value effective at the Bank upon the loan issuance decision-making. 
The settlement rate shall be published on the Bank’s website (www.ardshinbank.am) and reviewed by the Bank annually on February 1 and August 1. The interest rates with respect to the agreements concluded shall be reviewed a month after the change in the SR (unless a longer date is indicated in the notice) in the event of a change in the Interest Rate. The Interest Rates shall change – increase or decrease – in the amount of the change in the SR.
The credit interest rate cannot increase or decrease by more than 2.5 percentage points throughout the effective period of the credit agreement as compared to the interest rate fixed upon the issuance of the credit.
ᵌ After handing over for final exploitation the real estate under development and submitting to the Bank the Buyer's certificate of ownership and the Bank's certificate of pledge (100% completion), the Customer shall, within 30 days,d submit to the Bank the real estate ownership and pledge certificates.
After handing over for final exploitation the real estate under development (100% completion), the Customer shall, within a 30-day period, submit to the Bank the real estate ownership and pledge certificates. 
⁴ The pledge formalization fee shall be charged until the issuance of the loan. The cadastral registrations dealing with property units shall be made only for a non-standard time period. Cadastral registrations dealing with a property item(s) shall be made only for a standard time period (not on a fast-track basis). 
¹ The interest rates of loans issued at a fixed (adjustable) rate shall be reviewed starting from the 37th month of the effective period of the loan contract – on February 1 and August 1 of each year - in the amount of change in the Settlement Rate (SR). The settlement rate effective as of the moment of the first and consecutive changes of the Interest Rate upon expiry of the 36-month period, shall be compared to SR effective as of the moment of signing the Contract. The first change in the interest rate is performed on February 1 or August 1 following the 36-month period. 
The credit interest rate cannot increase or decrease by more than 2.5 percentage points throughout the effective period of the credit agreement as compared to the interest rate fixed upon the issuance of the credit.
One-time loans are issued no later than within 1 business day after registration of the Bank's lien. 
In the event of overdue liabilities, the redemption shall be made in the following sequence: expenditures made by the Bank with respect to the confiscation of the property pledged in a prescribed manner and other debtor’s liabilities to the Bank on the part of the Borrower and/or the Co-Borrower (generated  as part of loan agreements), forfeit penalty settled for (accrued to) the overdue liability, interest sum settled for (accured to) the overdue Loan, settled (accrued) yet unpaid overdue interest sum, overdue Credit, Credit maintenance fee, fixed-term interest sum settled (accrued) for the use of the Credit, and the amount of the Credit. 
The sequence of monetary liabilities may change at the Bank’s discretion without notice to the Borrower/Co-Borrower.