You can find detailed information about Score and Credit history here.
Procedure for the definition, calculation, and modification of the calculation rate
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About the procedure for the definition, calculation, and modification of the calculation rate — here.
Annual effective interest rate
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You can find the procedure for calculating the annual effective interest rate here.
Important to know
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The list of the evaluating organizations can be viewed here
The Settlement Rate definition table is available here
YOUR PROPERTY MAY BE CONFISCATED IN A MANNER PRESCRIBED BY LAW IN THE EVENT YOU FAIL TO MAKE A TIMELY REDEMPTION OF YOUR INTERESTS AND LOAN.
IN THE EVENT OF YOUR NON-PERFORMANCE OR INCOMPLETE PERFORMANCE OF THE LIABILITY, THE BORROWER SHALL, AFTER 3 BUSINESS DAYS, SEND THOSE DATA TO THE CREDIT BUREAU TO HAVE YOUR CREDIT HISTORY GENERATED. YOU HAVE THE RIGHT TO ANNUALLY RECEIVE A FREE COPY OF YOUR CREDIT HISTORY FROM THE CREDIT ORGANIZATION.
A POOR CREDIT HISTORY MAY PREVENT YOU FROM RECEIVING A LOAN IN THE FUTURE.
FINANCIAL INSTITUTIONS IN THE REPUBLIC OF ARMENIA ARE SUPERVISED BY THE CENTRAL BANK OF ARMENIA.