Student loan Student loan from Araratbank
Araratbank
Student loan
Relevant for 16.09.2026
Maximum amount
to 4 000 000֏
Without a guarantor
No
Available to non-residents of Armenia
No
A student loan cannot be issued in cash or transferred to your card. The bank will transfer the funds directly to the educational institution's account.
In order to get this loan, you need a guarantor. Usually, banks impose the same requirements on guarantors as on the borrower. | |
Amount | from 50 000 to 4 000 000֏ |
Term | up to 10 years |
Loan effective rate | 9.38% |
Rate | 9% |
Additional rate conditions | The government subsidizes 2% for all students and 3% for honor students |
Rate type | Fixed |
Is there a discount for salary clients | No |
Payment type | Annuity |
From which month early repayment is possible | 1 |
Special conditions | Loan applications will be approved taking into account the student's academic performance During the study period, borrowers will only repay the interest (for a maximum of 5 years), while equal payments of the principal and interest will begin after graduation The loan is provided in a non-cash form The loan amount is credited to the bank account of the educational institution |
In order to get this loan, you need a guarantor. Usually, banks impose the same requirements on guarantors as on the borrower. | |
Borrower category | Only for Students |
Borrower age | from 18 years on the date of receiving the loan up to 70 years on the loan repayment date |
Length of service at the last job | 3 months |
Documents for application | Identification document Copy of the high school diploma and entrance exam results for first-year students Copy of the academic record book for second-year students and above Certificate from the educational institution |
Confirmation of work experience and income | A certificate from the place of work of all guarantors |
Data collected and verified by AFM.
Terms apply to the bank's head office and may differ at its branches.
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Amount
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Term
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Amount
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Term
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CB of Armenia License
№4
Head office
87 Buzand St., Yerevan 0002, ArmeniaWebsite
araratbank.amOn the map (179)
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