Hashvi arnelov erkrum ankayun qaghaqakan iravitchaky ev ayn hangamanqy, vor mer hayrenakicnery vorosh mtahogutyunner unen hatkapes bnakaran dzerq berelu ev varkayin partavorutyun unenalu arnchutyamb, nerkayacnum enq IDBank-i vatcharqneri kazmakerpman varchutyan ghekavar Artur Qocharyani harcazruycy։

- Himnakan harcy, vor hatchax enq lsum bnakaran dzerq berel cankacoghneric hetevyaln e: vorqanov enq apahovagrvac, vor naxagcery kirakanacven ev chenq unena kisakaruyc shenqer u gumari korust, che vor aydpisi bazmativ depqer kan, erb gnordnery tarinerov spasum en irenc bnakarannerin։

Herqel, vor nman risker kan, iharke tchisht chi lini, sakayn dranq karavareli en։ Hima bacatrem, te inchpes․ tramadrvac hiphoteqayin varki amboghj gumarn orenqov sahmanvac kargov sarecvum e mer bankum bacvac hatuk hashvin minchev shenqi avartakan akty stanaly ev tvyal bnakarani verjnakan sephakanutyan vkayakany gnordin tramadrely։ Da nshanakum e, vor ete karucapatoghy chi karucum shenqy sahmanvac zhamketnerum kam karucum e xaxtumnerov ev gnordy chi stanum 100% avartvacutyan sephakanutyan vkayakan, apa hiphoteqayin varkarun iravunq uni ayd sarecvac gumarnern ughghel varki amboghjakan marman, isk avelacac masy het vercnel u aydpisov banki nkatmamb voreve partavorutyun aylevs chunenal։

Karcum em: hiphoteqayin varkery 100% sarecnelu tarberaky amenakarevor gorconn e, vorin hatchaxordy petq e ushadrutyun dardzni bnakaran dzerq berelis։ Dranov na apahovagrvum e glxavor riskic ev karucapatman ashxatanqneri: zhamanakin chavartvelu depqum stipvac chi linum phakel hiphoteqayin varky: phastaci dra dimac chstanalov bnakaran։ Ynd vorum, karevor e, vorpeszi gumary sarecvi henc 100%-ov, vorpeszi karucapatoghi koghmic paymanagrov amragrvac druytnery chapahovelu depqum gnordy hnaravorutyun unena marel ir amboghj varky։

- Lav lucum e, nuynisk kataryal, es kasei, bayc ardyoq hayastanyan shukayum kgtnven aynpisi karucapatoghner, voronq khamadzaynen vatcharel bnakarany: vatcharqic stacvac gumarnern avartic heto stanalu paymanov։

Menq naxyntrutyun enq talis henc nman karucapatoghnerin։ Nranq shenqery karucum en irenc mijocnerov, irenc riskov, voch te gnordneri։ Sa naev karucapatoghi patasxanatvutyan masin e xosum․ mec hashvov, ete ynkerutyuny patrast e ashxatel nshvac paymanov, uremn havanakanutyuny, vor na avartin chi hascni shenqy kam kdimi xardaxutyan, mot e zroyin։ Aynuamenayniv, ete hashvi arnenq biznesi riskaynutyuny ev shat ayl gorconner, voronq karogh en berel ayd vataguyn ardyunqin, gnordy tvyal paragayum, inchpes arden nsheci, varkayin gumari korust chi unenum, na parzapes marum e ir varky։

I dep, gnordneri zgushavorutyan, irenc finansakan mijocnern aveli xelamtoren caxselu tendenc e nkatvum, ev karucapatoghnery, harmarvelov shukayin, irenc biznesi anyndhatutyun apahovelu hamar mec uraxutyamb en hamagorcakcum mez het angam gumari sarecman paymanov։ Ete ushadrutyun dardzneq, mez het hamagorcakcogh karucapatoghneri cankn anyndhat hamalrvum e։ IDBank-n ir varkarunerin arajarkum e bnakaranner qaghaqi lavaguyn norakaruyc shenqerum․ sa nuynpes karevor payman e ansharzh guyqi dzerqberman zhamanak։

- Hiphoteqayin shukayum verjers tokosadruyqneri bardzracum e nkatvum։ IDBank-um ka nman mitum։

IDBank-um mitumy hakarakn e: depi nvazum (zhptum e)։ Vorosh karucapatoghneric bnakaranner gnelis, voroshaki zhamketneri hamar Bankum gorcum en shat cacr tokosadruyqner: tarekan HH dramov 4․99%-ic sksac։ Sa hayastanyan shukayum annaxadep tokosadruyq e։ Baci ayd: tarber karucapatoghneri het unenq varkavorman artonyal paymanner, isk erkrordayin shukayic dzerq beroghneri hamar menq nvazecrel enq tokosadruyqnery։ Asem avelin, ayn gnordnery, voronq ashxatavardzy kstanan mer Banki mijocov, hiphoteqayin varki aveli shahavet paymanner kunenan։

I dep, mi phoqr temayic sheghvelov nshem, vor nerkayum IDBank-n arajarkum e IDsalary ev IDsalary + ashxatavardzayin phatetner, voronc karogh e mianal cankacac meky: ankax nranic, te ir gorcatun vor banki het e hamagorcakcum։ Sranq anhatakan phatetner en, voronc shrjanakum hatchaxordy stanum e bazmativ artonutyunner IDBank-i carayutyunneric ogtvelis։

I dep, menq naev unenq phatetayin arajarkner, voronc shrjanakum gorcum e hiphoteqayin varki aveli cacr tokosadruyq, varki gumari 10%-i chaphov hatchaxordin tramadrvum e Roqet layn sahmanachaph, varki 5%-i chaphov: varkayin gic, inchpes naev xnayoghakan hashvi aveli shahavet tokosadruyq։ Aynpes vor, mer arajarknery tchkun en ev harmarecvac en hatchaxordi pahanjnerin u cankutyunnerin։

- Bnakaran dzerq berelis gnordnery karevorum en naev kanxavtchari chaphy, hatkapes, vor verjers shukayum kanxavtchari bardzracman mitum e nkatvum։

Ayd mitumy paymanavorvac e 2020 tvakanin mer erkrum ev ashxarhum katarvogh iradardzutyunnerov։ Hamavarakic ev paterazmic heto, vorosh riskeric elnelov, hiphoteqayin varkeri kanxavtcharnery shukayum bardzracvel en, bayc huraxutyun IDBank-i hatchaxordneri: mer Bankum sharunakum en gorcel nuyn paymannery: kanxavtchar sksac 10%-ic, erkrord gravi depqum: 0%: Sa Banki: hatchaxordneri hamar avelord xndirner chsteghcelu, nuynisk kasei lucelu qaghaqakanutyan mi masn e․ Bankn ir tchkunutyan hashvin bolor hiphoteqayin haytery ditarkum e arandzin, ev ete chnchin hnaravorutyun ka, varkayin paymannery hastatvum en hogut hatchaxordi։ Menq phordzum enq mer hatchaxordnerin arajarkel harmar u dzerntu paymanner: aravelaguyns dyurin dardznelov bnakaran dzerq berelu gorcyntacy։ Sa veraberum e naev tghtabanutyany, dzevakerpman gorcyntacin ev ayln:

- Henc varki tramadrman gorcyntacin e veraberum terevs verjin harcy․ vorqan zhamanak e da xlum hatchaxordic։

Gorcyntacy hnaravorins parzecvac e, dimumneri yndunumn u xorhrdatvutyuny katarvum e voch miayn masnatchyugherum։ Ayzhm menq gorcarkel enq nor carayutyun․ bann ayn e, vor Erevanum bazmativ mer hamaqaghaqaciner ashxatanqayin canrabernvacutyunic, tchanaparhneri xcanumic, avtokayanategheri sakavutyunic elnelov chen karoghanum aycelel masnatchyugher։ Qani vor hiphoteqayin varki hamar xorhrdatvutyun e anhrazhesht, hatchaxordnery karogh en zangaharel Bank ev mer ashxatakicnery kaycelen hatchaxordi bnakaran kam ashxatavayr: xorhrdatvutyan, hiphoteqi varkayin haytn u ev mnacac phastatghtery vercnelu hamar։ Hajordogh gorcyntacy nuynpes irakanacvum e: hashvi arnelov hatchaxordi zbaghvacutyunn u harmaravetutyuny։