Student loan Student Loans (State Program) from Artsakhbank
Artsakhbank
Student Loans (State Program)
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 70 000 to 4 000 000֏ |
Term | up to 10 years |
Loan effective rate | 6.2% - 7.25% |
Rate | 9% |
Additional rate conditions | Depends on the student’s academic performance 2 or 3 percentage points will be subsidized by the Government |
Rate type | Fixed |
Is there a discount for salary clients | No |
Payment type | Annuity and Differentiated |
From which month early repayment is possible | 1 |
Special conditions | Throughout the entire study period, the borrower only pays interest, and after graduation, they begin to repay both the principal and interest in equal installments 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 Social card Certificate from the educational institution Proof of income from the borrower or guarantor |
Confirmation of work experience and income | A certificate of employment from the guarantor |
Data collected and verified by AFM.
Terms apply to the bank's head office and may differ at its branches.
Other Artsakhbank loans
ArtsakhbankUnsecured Express loan
Effective rate
18.31% - 20.71%
Amount
to 2 000 000֏
Term
up to 5 years
ArtsakhbankStudent Loans
Effective rate
17.2% - 19.13%
Amount
to 1 800 000֏
Term
up to 7 years
ArtsakhbankGold Secured Loans
Effective rate
12.71% - 21.9%
Amount
to 20 000 000֏
Term
up to 5 years
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