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Capital loans
These loans are granted for capital finance purposes for a period of up to 5 years. The finance is used by companies for fixed assets purchases, reconstruction and development, consequently resulting in business expansion or launching of new business lines.
The interest rate on these loans is determined taking into account the risk and return considerations for the particular customer (business), while the repayment schedule is being tailored to meet the expected future cash flows generated from the capital investment
The range of interest rates applied on the capital finance facilities is HSBC Bank Armenia CJSC base rate plus a fixed interest margin, so that the resulting interest rate is in the range of 12%-18% p.a. under the General Lending Program and in the range of 15%-24% p.a. under the SME Lending Scheme.
