Unibank Mortgages
13 mortgage programs, APR from 0.01%, down payment from 0%, current as of 08.10.2026
1 000 000 ֏500 000 000 ֏
%
%
Term20 years
1 year30 years
Calculation results
Monthly payment220 218 ֏
Loan amount
20 000 000 ֏Down payment
5 000 000 ֏Interest overpayment
32 852 320 ֏Total to pay57 852 320 ֏
Recommended income550 545 ֏
The calculator results are preliminary. Full payment conditions will be provided by the bank after signing the agreement
Find a mortgage
Choose the best terms from top Armenian banks
13 offers found
UnibankConstruction in border areas
Effective rate
0.01% - 0.15%
Rate
13%
Amount
to 21 000 000֏
Down payment
from 0%
State program
Effective rate
0.02% - 0.5%
Rate
8% - 13%
Amount
to 16 000 000֏
Down payment
from 1%
State program
UnibankApartment for Young People
Effective rate
4.88% - 7.1%
Rate
8.3%
Amount
to 22 500 000֏
Down payment
from 10%
State program
Effective rate
6.66% - 8.61%
Rate
11% - 13%
Amount
to 25 650 000֏
Down payment
from 10%
State program
UnibankApartment for Young People
Effective rate
8.27% - 8.39%
Rate
7.5%
Amount
to 27 750 000֏
Down payment
from 10%
State program
UnibankPreferential mortgage
Effective rate
14.09% - 14.19%
Rate
12.8%
Amount
to 100 000 000֏
Down payment
from 0%
UnibankMortgage - Primary
Effective rate
14.2% - 14.37%
Rate
12.9% - 13.4%
Amount
to 100 000 000֏
Down payment
from 10%
Effective rate
14.2% - 14.37%
Rate
12.9%
Amount
to 35 000 000֏
Down payment
from 0%
Effective rate
14.22% - 14.37%
Rate
12.9%
Amount
to 35 000 000֏
Down payment
from 10%
Effective rate
14.24% - 14.52%
Rate
12.9%
Amount
to 35 000 000֏
Down payment
from 0%
UnibankClassic
Effective rate
14.66% - 16.14%
Rate
13.3% - 13.8%
Amount
to 100 000 000֏
Down payment
from 10%
UnibankRenovation
Effective rate
15.25% - 16.64%
Rate
13.8% - 14.5%
Amount
to 35 000 000֏
Down payment
from 0%
UnibankWithout a down payment
Effective rate
16.04% - 16.37%
Rate
14.5%
Amount
to 50 000 000֏
Down payment
from 0%
Information about Unibank
General information
Full legal name
"UniBank" OJSC
Founded
2001
CB of Armenia License
№81
Website
unibank.amOn the map (141)
Financial Indicators (2025)
Total Assets
AMD 393.8 billion
Loans and Advances
AMD 264.6 billion
Equity
AMD 50.19 billion
Net Profit
AMD 9.82 billion
Annual Report
OpenBank details
CB of Armenia License
№81
Registration date
10 Oct 2001
Bank code
24100
SWIFT code
UNIJAM22
Chairman
Mesrop Hakobyan
Bank branches and ATMs map
Useful information about mortgages
Open AFM journal
Unibank Mortgages: Terms and Programs
- Mortgage for primary housing (new developments) - rate, amount, term, down payment
- Mortgage for secondary housing - rate, amount, term, down payment
- Mortgage refinancing - terms, minimum rate
- State-supported mortgage - if applicable for the bank
- Construction mortgage - if applicable
| Parameter | Value |
|---|---|
| Amount | from 2 000 000 to 100 000 000 AMD |
| Term | up to 20 years |
| Down payment | from 0% |
| Rate | from 7.5% |
| APR | from 0.01% |
- Apartment in a new development (primary market)
- Apartment on the secondary market
- Private house / cottage
- Land plot (depends on the bank)
- Commercial real estate (depends on the bank)
- Citizenship of the Republic of Armenia (or residence permit - depends on the bank)
- At least 21 years old at the time of application and no older than 65 at the time of loan repayment
- Officially confirmed source of income
- Positive credit history
- Registration in Armenia
Standard package:
- Passport of a citizen of the Republic of Armenia
- Proof of income
- Employment contract or employment record
- Documents for the property being purchased
Extended package (if required):
- Documents of a co-borrower / guarantor
- Documents for pledged property (if existing real estate is used as collateral)
- Documents confirming the borrower's own contribution
Step 1 - Compare Unibank programs with offers from other banks in Armenia on AFM.am
Step 2 - Choose a suitable program and calculate the payment using the mortgage calculator
Step 3 - Prepare the required documents
Step 4 - Submit an online application on the bank's website or visit a branch
Step 5 - Wait for the bank's decision and provide the original documents
Step 6 - Sign the agreement and arrange insurance and the property pledge
- Life and disability insurance
- Property insurance (mandatory)
- Down payment of 30% or more
- Salary customer of the bank
- Electronic registration of the transaction (if supported)
Pros:
- ✓ 13 mortgage programs for different purposes
- ✓ Online application without visiting a branch
- ✓ Early repayment without penalties
- ✓ Possibility of involving a co-borrower
Cons:
- ✗ Mandatory insurance of the pledged property
What Mortgage Programs Does Unibank Offer?
Unibank offers 13 mortgage programs: mortgages for primary housing, mortgages for secondary housing, refinancing. Rates start from 7.5%, amounts are available up to 100 000 000 AMD, and terms are up to 20 years.
What Is the Minimum Mortgage Rate at Unibank?
The minimum annual rate is 7.5%. The APR for the most favorable programs starts from 0.01%. The final rate depends on the program, amount, term, down payment, and the borrower's credit history.
What Is the Minimum Down Payment for a Mortgage?
The minimum down payment is 0% of the property value. Under some programs, a mortgage without a down payment may be available if existing property is pledged as collateral. Check the exact terms on the Unibank website.
What Is the Maximum Mortgage Amount Available at Unibank?
The maximum mortgage loan amount is 100 000 000 AMD. The final limit is determined individually by the bank based on the borrower's creditworthiness and the value of the collateral.
What Property Can Be Purchased with a Unibank Mortgage?
The bank finances the purchase of apartments on the primary and secondary markets, private houses, and cottages.
What Are Unibank's Requirements for Mortgage Borrowers?
Citizenship of the Republic of Armenia, at least 21 years old at the time of application and no older than 65 at the time of loan repayment, stable confirmed income and a positive credit history.
What Documents Are Required to Get a Mortgage?
Passport of a citizen of the Republic of Armenia, proof of income, employment contract, and documents for the property being purchased. If a co-borrower is involved, the same package of documents is required from them.
How Can I Apply for a Mortgage at Unibank?
On AFM.am, compare all Unibank programs with offers from other banks in Armenia. After choosing a program, go to the bank's website to submit an online application or visit the nearest branch.
Can I Repay a Unibank Mortgage Early?
Yes, full or partial early repayment is available through the mobile application or at a bank branch. The bank will recalculate the remaining interest as of the repayment date. There are no penalties for early repayment.
Is Property Insurance Mandatory for a Mortgage?
Insurance of the pledged property is mandatory under the legislation of the Republic of Armenia. Life and disability insurance for the borrower is generally optional, but taking out such insurance may reduce the interest rate.