In case of buying smartphone over 30,000 AMD the creDit will be established through "ACBA BANK", "UNIBANK", "INECOBANK" "EVOCABANK" and "VTB-Armenia Bank"(online creDit). Here you can learn more about creDit terms.   ACBA BANK UNIBANK INECOBANK VTB-Armenia Bank (online creDit) AMERIABANK       EVOCABANK Age 20-65 21-65 21-70 18-70 20-65 20-65  Yearly interest rate 21.6% 21,5%   19-21,7% 0%-21.5%   21.5%     21%     Monthly clearing comiss