Acquisition: Using the bank's own funds from IDBank
IDBank
Acquisition: Using the bank's own funds
Relevant for 16.09.2026
Effective rate
12.98% - 16.74%
Rate
12.25% - 14.5%
Amount
to 125 000 000֏
Down payment
from 0%
Term
10 - 20 years
Available for non-residents of Armenia
No
Loan for the purchase of residential real estate from the bank's own funds. | |
Purpose | new build, secondary market, house, refinancing |
Refinancing | Possible. You can use this loan to transfer your mortgage from another bank. |
Collateral | Acquired real estate, if necessary, a second property as well. |
Down payment | from 0% |
Loan term | 10 - 20 years |
Loan currency | ֏ |
Loan amount | to 125 000 000֏ |
Payment type | Annuity and Differentiated |
Validity period of the decision | 30 business days |
Additional terms | Real estate cannot be purchased from an individual who is a family member of the borrower/co-borrower, specifically: the borrower’s/co-borrower’s father, mother, spouse, spouse’s parent, grandparent, sibling, child, or the spouse and children of the sibling. When obtaining a mortgage loan from the bank’s own funds, several benefits are provided, including a Rocket Line digital limit and a credit line of up to 5% of the loan amount. |
This loan can be taken under the following programs: | Not a government program |
Documents required for application: Identification document of the borrower and co-borrower Taxpayer identification number of the borrower and co-borrower or certificate of absence of the INN, Marriage,death, and Dissolution certificate Identification documents for children Certificate of ownership of real estate, Documents confirming the grounds for issuing a certificate of ownership |
Documents required after loan approval: A certificate from the State Cadastre Committee under the Government of the Republic of Armenia stating that the property has not been pledged or is not under another type of arrest Real estate valuation certificate provided by independent appraisal companies cooperating with the Bank Identity cards of property owners In the case of sellers who are legal entities, the decision of the authorized body on the sale of property, the passport of the person carrying out the transaction, the INN, the certificate of state registration of the Republic of Armenia and the charter |
Terms apply to the bank's head office and may differ at its branches.
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