Student loan Student loan from the Bank's resources from VTB Bank (Armenia)
VTB Bank (Armenia)
Student loan from the Bank's resources
Relevant for 16.09.2026
Maximum amount
to 5 000 000֏
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 5 000 000֏ |
Term | up to 5 years |
Loan effective rate | 16.61% - 24% |
Rate | 16% - 16.5% |
Additional rate conditions | When obtaining a loan with additional loan account services, a preferential interest rate applies: The nominal annual interest rate minus 1%. |
Rate type | Fixed |
Is there a discount for salary clients | No |
Payment type | Annuity |
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 educational institution's bank account |
| Commissions | |
Credit issuing fees | A one-time payment of 1 000 AMD for submitting the application A one-time fee of 1% of the loan amount for providing the loan |
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 63 years on the loan repayment date |
Length of service at the last job | 4 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 | Employment contract or certificate from the place of work |
Data collected and verified by AFM.
Terms apply to the bank's head office and may differ at its branches.
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