Mortgage loans for acquiring residential real estate from Araratbank
Araratbank
Mortgage loans for acquiring residential real estate
Relevant for 16.09.2026
Effective rate
12.84% - 14.78%
Rate
from 12.5%
Amount
to 150 000 000֏
Down payment
from 20%
Term
5 - 25 years
Available for non-residents of Armenia
No
Mortgage lending in AMD for residential property acquisition | |
Purpose | new build, secondary market, house |
Collateral | Acquired property appraised at market value Additional real estate appraised at market value or funds |
Down payment | from 20% |
Loan term | 5 - 25 years |
Loan currency | ֏ |
Loan amount | to 150 000 000֏ |
Payment type | Annuity and Differentiated |
Validity period of the decision | 15 business days |
Additional terms | The loan/to-collateral ratio can be 100% in the case of additional property being pledged, but not more than 70% of the total value of the pledged properties The possibility of lending up to 50% of the repaid principal amount during the first 96 months of the loan's term |
This loan can be taken under the following programs: | Not a government program |
Documents required for application: Identification documents Marriage , divorce, death certificate Identification documents of family members and co-borrowers Certificate of the actual place of residence Certificate from the tax inspectorate on the availability of an individual account Other documents at the request of the bank's credit specialist |
Documents required after loan approval: Buyer Property appraisal report Other documents upon request by the bank's credit specialist Seller Certificate from the State Committee of Real Estate Cadastre on property encumbrances (Unified Certificate) Other documents upon request by the bank's credit specialist |
Terms apply to the bank's head office and may differ at its branches.
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