For SMEs and corporate clients

        Lease properties can be:

  • Constructional, mining industrial equipment,

  • Manufacturing and reprocessing lines,

  • IT equipment,

  • Medical equipment,

  • Passenger vehicles and semi-freight transport means,

  • Truck trailers,

  • Commercial real estate,

  • Other kind of fixed assets.

        Lessees can be:

  • Juridical entities,

  • Private entrepreneurs,

        Terms and conditions:

  • Currency: AMD, USD, EUR, RUR

  • Down payment: starting from 20 % calculated out of the property,

  • Annual Interest Rate: starting out from 7 %*,

  • Maturity Period: up to 60 months,

  • Lump Sum Commission Payment: 0.5% - 2% out of the contract value,

  • Annual Compulsory Insurance: 0.16 % - 2.75 % (for the first year - toward the property whole value, whilst upon each year end - toward the lease amount residue),

  • One or two guarantors (without any reference on income),

  • Repayments are completed monthly in equal amounts**.


       Repayments are made monthly in equal amounts and the interest rate is calculated toward the remained principal amount.

       Lease calculation method:

       Property cost                      200 000 000 AMD

       Advance payment              40 000 000 AMD

       Annual interest rate           10%

       Lease term                          60 months

       Monthly payment              3 399 527 AMD

       The leased property amount is transferred /not in cash/ to the property supplier, which has been chosen by the lessee.



  • No pledge is required,

  • Premature redemption opportunity without fines and penalties,

  • Annual Interest Rate reduction by 0.5 % after the first and each following year of the lease contract validity period,

  • Lease service coverage in all regions of the Republic of Armenia,

  • Lease property selection both from RA and abroad.

        Accounting and tax priorities:

  • Property purchase, transportation, cargo insurance, custom clearance work support and inclusion in lease contract,

  • VAT (included in the property value) Offset Opportunity,

  • Deferred VAT lease opportunity,

  • Amortization opportunity throughout the whole validity period of the contract,

  • Monthly Interest Deduction.

       Required documents:

  • Scanned versions of the passports or identification cards of the director and shareholders,

  • Scanned versions of the company foundation documents,

  • Proforma Invoice issued by the supplier /original/,

  • Scanned version (s) of the passport (s) or identification card(s) of the guarantor(s),

  • Other required documents.




* Interest rates are calculated on the basis of nominal interest rate in respect of the lease amount residue. And the annual actual interest rate shows the cost of leasing in case the interests and other payments are covered in due time and in proper way.

Annual Interest Rate calculation method can be found here.

**Should the Lessee not fulfill his/her obligations timely, penalty will be imposed in respect of the overdue amount to the tune of 0.2 % per day and the information on the client will be recorded in the credit register, besides, pursuant to the lease contract, the Lessee will be obliged to return the lease property to “ACBA Leasing” CO CJSC. Meanwhile, “ACBA Leasing” CO CJSC will be entitled to demand complete fulfillment of lease contract obligations.

Detailed information on penalties can be found here.





























In case of discrepancies between the published Armenian and English versions priority shall be given to the Armenian version.
Updated 21.06.2017. 15:53

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