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However, if you have to search for electricity, gas, water, internet, mobile service, trash disposal, and intercom bills separately...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F003cd594-e4bc-453e-a908-c2076f4b74b7.webp","2026-05-31 12:55:00",171,"journal\u002Feasywallet\u002Ftemplates-and-two-click-payments-how-to-speed-up-utility-bill-payments-in-2026",{"title":66,"description":67,"thumbnail_image":68,"publication_date":69,"views_count":70,"url":71},"Armenia's E-Wallet Ranking 2026: Speed, Fees, and Usability","Digital wallets in Armenia are rapidly becoming the preferred way to pay for services, transfer money, and manage daily expenses.However, usability varies significantly from one wallet to another. One might...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Ffa18f916-f1fd-4855-90fc-48c4f12041e1.webp","2026-05-30 12:30:00",219,"journal\u002Fupay\u002Farmenias-e-wallet-ranking-2026-speed-fees-and-usability",{"title":73,"description":74,"thumbnail_image":75,"publication_date":76,"views_count":77,"url":78},"Instant Payments in Armenia: Where and How to Pay via QR Codes in Yerevan","QR payments in Yerevan have seamlessly integrated into daily life. Their primary advantage is friction-free transactions: you no longer need to carry cash, wait for change, or manually enter long...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F261390a9-9089-4f6c-9725-96f4775b5465.webp","2026-05-29 20:16:00",181,"journal\u002Fupay\u002Finstant-payments-in-armenia-where-and-how-to-pay-via-qr-codes-in-yerevan",{"title":80,"description":81,"thumbnail_image":82,"publication_date":83,"views_count":84,"url":85},"Microloans in Armenia: Lenders, Conditions, and Key Risks","In Armenia, microloans are issued by approximately 46 licensed credit organizations and nearly all commercial banks. While nominal rates may formally start at 12-15%, in practice, the real cost of...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fde9aab5a-1d69-4648-a408-05d4cc977045.webp","2026-04-28 19:56:00",619,"journal\u002Fcash-loans\u002Fmicroloans-in-armenia-lenders-conditions-and-key-risks",{"title":87,"description":88,"thumbnail_image":89,"publication_date":90,"views_count":91,"url":92},"Where to Find the Lowest Loan Rates in Armenia and How to Choose a Profitable Loan","If you are looking for a loan in Armenia, the first logical question is: where is the lowest rate? But there is a crucial nuance here: the lowest advertised rate...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F5574b734-9561-4f24-a921-37d1089eb4c6.webp","2026-04-27 14:43:00",1157,"journal\u002Ffinance-made-simple\u002Fwhere-to-find-the-lowest-loan-rates-in-armenia-and-how-to-choose-a-profitable-loan",{"title":94,"description":95,"thumbnail_image":96,"publication_date":97,"views_count":98,"url":99},"Best Online Services for Buying Tickets for Concerts and Events in 2026","In 2026, buying a ticket for a concert, performance, or festival in Armenia takes only a few minutes. However, the key question for the user remains the same: where to...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F2281cee4-fa46-4c50-b88e-cba35e56916f.webp","2026-04-21 18:15:00",589,"journal\u002Fupay\u002Fbest-online-services-for-buying-tickets-for-concerts-and-events-in-2026",{"title":101,"description":102,"thumbnail_image":103,"publication_date":104,"views_count":105,"url":106},"Which E-wallet to Choose in Armenia in 2026: Services, Terminal Network, QR Payments, and International Transfers","By 2026, the e-wallet market in Armenia has finally split into universal solutions and specialized services aimed at specific tasks. 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Such a situation is possible if a...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fd93023c2440667c57d416a05dc10aa64.webp","2026-03-03 18:01:00",2509,"journal\u002Fdeposits\u002Fhow-the-state-deposit-insurance-program-works-in-armenia",{"title":115,"description":116,"thumbnail_image":117,"publication_date":118,"views_count":119,"url":120},"Conditions for Gold-Secured Loans in Armenia in 2026","In 2026, gold-secured loans are offered by 12 banks in Armenia. The loan term is up to 5 years, with the exception of Evocabank, which provides credit for a maximum...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F3b3724b0b90b085cd1132488ed036462.webp","2026-02-28 17:50:00",3244,"journal\u002Fsecured-loans\u002Fconditions-for-gold-secured-loans-in-armenia-in-2026",{"title":122,"description":123,"thumbnail_image":124,"publication_date":125,"views_count":126,"url":127},"Borrower Requirements for Personal Loans in Armenia in 2026","To obtain a personal loan in Armenia in 2026, it is essential to meet the banks' basic requirements and pass an internal creditworthiness assessment. Key indicators and the client's financial...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F1b6e679b53de9369a94986cfad60792b.webp","2026-02-27 20:10:00",1398,"journal\u002Fcash-loans\u002Fborrower-requirements-for-personal-loans-in-armenia-in-2026",{"title":129,"description":130,"thumbnail_image":131,"publication_date":132,"views_count":133,"url":134},"Bank Cards in Armenia for Russian Citizens: Which Banks Open Accounts and on What Terms in 2026","In 2026, Russian citizens can open a bank account and receive a debit card in Armenia, provided they complete in-person identification at a bank branch.Conditions vary significantly. Account opening fees...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F086b6cc2a4b38da3e7ed6b847b6ac2ec.webp","2026-02-24 15:07:00",7523,"journal\u002Fdebit-cards\u002Fbank-cards-in-armenia-for-russian-citizens-which-banks-open-accounts-and-on-what-terms-in-2026",{"title":136,"description":137,"thumbnail_image":138,"publication_date":139,"views_count":140,"url":141},"Fast Online Loans in Armenia: Terms, Banks, and How to Apply in 2026","When applying for a fast online loan, three things matter most: how quickly you can receive the funds, what the terms are, and where to submit your application.In 2026, online...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F2f649785959be1d969b3b1b0e96f0267.webp","2026-02-19 17:17:00",1787,"journal\u002Fcash-loans\u002Ffast-online-loans-in-armenia-terms-banks-and-how-to-apply-in-2026",{"title":143,"description":144,"thumbnail_image":145,"publication_date":146,"views_count":147,"url":148},"How to Get a Debit Card in Yerevan: Requirements, Documents, and Key Considerations in 2026","In Yerevan, you can get a debit card through any Armenian bank. The process is generally straightforward and does not take long, although service terms, fees, and onboarding formats may...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fbc8b0b7a09eed1aa516ed7dcf820491d.webp","2026-02-16 18:55:00",3214,"journal\u002Fdebit-cards\u002Fhow-to-get-a-debit-card-in-yerevan-requirements-documents-and-key-considerations-in-2026",{"title":150,"description":151,"thumbnail_image":152,"publication_date":153,"views_count":154,"url":155},"Deposit Interest Rates in Armenian Banks – Updated Table for February 2026","As of February 2026, deposit interest rates in Armenian banks fall within the following ranges:6.5% to 10.25% annually in AMD1.9% to 5% in US dollars0.5% to 2.5% in eurosAt first...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fecad2f976cdf2d2ac3414b21684a3ebb.webp","2026-02-13 18:01:00",3706,"journal\u002Fdeposits\u002Fdeposit-interest-rates-in-armenian-banks-updated-table-for-february-2026",{"title":157,"description":158,"thumbnail_image":159,"publication_date":160,"views_count":161,"url":162},"Electronic Employment Contracts in Armenia: How the System Works and Why Foreign Nationals May Encounter Challenges","On July 1, 2025, Armenia launched its electronic employment contract system through the State Revenue Committee (SRC). 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Banks offer dozens of credit products, while loan terms vary significantly depending on the purpose of the loan, its maturity, currency,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Faa883e50913734f21370dd48f0f6b43b.webp","2026-01-27 21:07:00",3372,"journal\u002Fcash-loans\u002Fwhat-types-of-loans-are-available-in-armenia-in-2026-products-rates-and-terms",{"title":185,"description":186,"thumbnail_image":187,"publication_date":188,"views_count":189,"url":190},"Best Cash Loans in Armenia in 2026: Ranking by Effective Interest Rate","When choosing a consumer loan, it is important to focus not on the advertised interest rate, but on the actual cost of borrowing, which includes all mandatory fees and payments....","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fb39bd0f471662824ea5429a2e56c7c4a.webp","2026-01-23 19:00:00",2920,"journal\u002Fcash-loans\u002Fbest-cash-loans-in-armenia-in-2026-ranking-by-effective-interest-rate",{"title":192,"description":193,"thumbnail_image":194,"publication_date":195,"views_count":196,"url":197},"Which Armenian Banks are Easier for Non-Residents to Open an Account in 2026?","In 2026, a non-resident can open a bank account in Armenia without a residence permit, but banks no longer focus solely on the fact of physical presence in the country....","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F6953473116a68fa920bf72b63e116822.webp","2026-01-22 19:50:00",9331,"journal\u002Fnon-residents\u002Fwhich-armenian-banks-are-easier-for-non-residents-to-open-an-account-in-2026",{"title":199,"description":200,"thumbnail_image":201,"publication_date":202,"views_count":203,"url":204},"How the 2% ArCa Card Cashback Program Works in 2026","In 2026, Armenia continues to implement the state-backed 2% cashback program for cards issued under the ArCa national payment system. The cashback applies to domestic cashless transactions exceeding 1,000 AMD,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F317e59ec8162061fd367bc97f53db33b.webp","2026-01-15 20:19:00",4547,"journal\u002Ffinancial-news\u002Fhow-the-2-arca-card-cashback-program-works-in-2026",{"title":206,"description":207,"thumbnail_image":208,"publication_date":209,"views_count":210,"url":211},"The Most Profitable Bank Deposits in Armenia in AMD, USD, and EUR – January 2026","As of January 2026, the most competitive one-year fixed-term deposits in Armenia offer interest rates of up to 10% in AMD, 5% in USD, and 2.5% in EUR. Byblos Bank...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F5b7d509b69e5418c4ec965887ab31a45.webp","2026-01-10 20:30:00",3754,"journal\u002Fdeposits\u002Fthe-most-profitable-bank-deposits-in-armenia-in-amd-usd-and-eur-january-2026",{"title":213,"description":214,"thumbnail_image":215,"publication_date":216,"views_count":217,"url":218},"Currency Exchange at Zvartnots Airport: Where and How to Exchange Money After Arriving in Armenia","If you are traveling to Armenia, the question of exchanging foreign currency into Armenian drams often comes up within the first hour after arrival. Even if you have a bank...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fe5ff9952ae52ba4ff5048e67b62bb907.png","2025-12-19 21:21:00",5695,"journal\u002Fnon-residents\u002Fcurrency-exchange-at-zvartnots-airport-where-and-how-to-exchange-money-after-arriving-in-armenia",{"title":220,"description":221,"thumbnail_image":222,"publication_date":223,"views_count":224,"url":225},"Sunday Towers: What You Need to Know Before Buying an Apartment","Sunday Towers is a residential complex currently under construction in Arabkir, comprising six buildings. The developer's concept includes a unified architectural design, integrated infrastructure elements, and a car-free territory. This...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F09a685ed1b1cd79b7c4e7019a87ad7f9.jpeg","2025-12-19 20:25:00",2234,"journal\u002Fmortgage\u002Fsunday-towers-what-you-need-to-know-before-buying-an-apartment",{"title":227,"description":228,"thumbnail_image":229,"publication_date":230,"views_count":231,"url":232},"How to Open an Inecobank Card: A Complete Guide to Visa, Mastercard, and Virtual Cards","Inecobank is one of Armenia’s leading banks, allowing you to open a card within minutes through its mobile app. The bank offers a wide range of Visa and Mastercard products...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F526abb7319c095e2c2175875d82f2d78.png","2025-11-26 19:00:00",4926,"journal\u002Fdebit-cards\u002Fhow-to-open-an-inecobank-card-a-complete-guide-to-visa-mastercard-and-virtual-cards",{"title":234,"description":235,"thumbnail_image":236,"publication_date":237,"views_count":238,"url":239},"“1 Click” Online Loan from Inecobank: How to Apply in Just a Few Minutes Without Visiting a Branch","Over the past two years, online loans have become a normal part of Armenia’s financial ecosystem. They allow you to access money quickly, without visiting a bank branch. If taking...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fe182655ef86282787cecb5827c8fc6d2.png","2025-11-26 14:20:00",2621,"journal\u002Finecobank\u002F1-click-online-loan-from-inecobank-how-to-apply-in-just-a-few-minutes-without-visiting-a-branch",{"title":241,"description":242,"thumbnail_image":243,"publication_date":244,"views_count":245,"url":246},"How Russian Citizens Can Open a Bank Card in Armenia in 2025: Is Remote Opening Possible?","Armenia remains one of the most convenient countries for Russian citizens who want to open a bank account, get a card, and use international payment systems. The local banking system...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fb29f86f92a13d2f7a8f5d784398c3902.png","2025-11-25 23:00:00",10127,"journal\u002Fnon-residents\u002Fhow-russian-citizens-can-open-a-bank-card-in-armenia-in-2025-is-remote-opening-possible",{"title":248,"description":249,"thumbnail_image":250,"publication_date":251,"views_count":252,"url":253},"What Types of Visa and Mastercard Cards Can You Get in Armenia and How Do They Differ?","You’re standing in the airport holding two cards – one premium, one standard.Both let you pay for your ticket, check in, and grab a coffee. But only one gives you...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fc1a2d7b567da39f204c646750378e961.jpg","2025-11-19 23:01:00",5352,"journal\u002Fdebit-cards\u002Fwhat-types-of-visa-and-mastercard-cards-can-you-get-in-armenia-and-how-do-they-differ",{"title":255,"description":256,"thumbnail_image":257,"publication_date":258,"views_count":259,"url":260},"How to Get a Gold-Backed Loan on the Best Terms in Armenia","When you need cash quickly but don’t want to apply for a large loan or collect piles of paperwork, a gold-backed loan can be the fastest and most accessible solution.In...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F0e0666f843e6184447ddefd40fd9647e.png","2025-10-23 18:15:00",3994,"journal\u002Fsecured-loans\u002Fhow-to-get-a-gold-backed-loan-on-the-best-terms-in-armenia",{"title":262,"description":263,"thumbnail_image":264,"publication_date":265,"views_count":266,"url":267},"How Banks Assess Borrowers in Armenia: What Determines Loan Approval","When you apply for a loan — whether it’s a mortgage, consumer loan, or credit card — Armenian banks evaluate far more than just your income. Each financial institution follows...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F2ca1c17c97e6ccd18b386d5231d9e237.jpg","2025-10-23 15:10:00",3094,"journal\u002Fnon-residents\u002Fhow-banks-assess-borrowers-in-armenia-what-determines-loan-approval",{"title":269,"description":270,"thumbnail_image":271,"publication_date":272,"views_count":273,"url":274},"Which Armenian Bank Offers the Best Card for Russian Citizens?","Armenia’s banking system is one of the most convenient options for Russian citizens. You can open a card quickly and use it both in Armenia and abroad — to shop...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F808889cb752df59912d8e9b88ee38d7f.png","2025-10-23 12:15:00",9884,"journal\u002Fdebit-cards\u002Fwhich-armenian-bank-offers-the-best-card-for-russian-citizens",{"title":276,"description":277,"thumbnail_image":278,"publication_date":279,"views_count":280,"url":281},"Skyline in Yerevan: Armenia’s First “City Within a City”","Skyline is one of the largest urban development projects currently underway in Yerevan. The concept combines residential, business, and public infrastructure within a single, cohesive environment – a format known...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fdb1e9cfb63ffad6f9ec3a20c2aff9bd0.jpg","2025-10-22 14:15:00",9612,"journal\u002Fmortgage\u002Fskyline-in-yerevan-armenias-first-city-within-a-city",{"title":283,"description":284,"thumbnail_image":285,"publication_date":286,"views_count":287,"url":288},"The Best Euro Deposits in Armenia in Autumn 2025","Autumn 2025 has become a favorable time to place deposits in euros. After a period of currency market fluctuations, the euro exchange rate has stabilized, and several Armenian banks have...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F819dce8f9b91719f0267d63643928703.jpg","2025-10-14 22:25:00",4311,"journal\u002Ffinancial-news\u002Fthe-best-euro-deposits-in-armenia-in-autumn-2025",{"title":290,"description":291,"thumbnail_image":292,"publication_date":293,"views_count":294,"url":295},"Top Deposits in USD in Armenia in Autumn 2025","In autumn 2025, dollar deposits in Armenian banks are becoming increasingly popular – especially against the backdrop of the Armenian dram’s strengthening and moderate inflation growth, banks are striving to...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F35314a0d67443fd4c443143cb2aa8beb.png","2025-10-14 20:50:00",5625,"journal\u002Ffinancial-news\u002Ftop-deposits-in-usd-in-armenia-in-autumn-2025",{"title":297,"description":298,"thumbnail_image":299,"publication_date":300,"views_count":301,"url":302},"Top Deposits in AMD in Armenia in Autumn 2025","Deposits in AMD remain the most popular and reliable savings tool among residents of Armenia. As of the end of September 2025, the volume of deposits in Armenia amounted to...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F3d0347d0446bbfbe28600a6872b91ae1.png","2025-10-14 20:17:00",7795,"journal\u002Ffinancial-news\u002Ftop-deposit-rates-in-amd-in-armenia-in-autumn-2025",{"title":304,"description":305,"thumbnail_image":306,"publication_date":307,"views_count":308,"url":309},"Profitable Promotions in Armenian Banks in December 2025","In December 2025, Armenian banks introduced several promotional offers for their new and existing clients. These include beneficial cards with no service fees, cashback for travel and daily expenses, bonuses...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fedfbebd944643a7a1a086549b2e33aec.jpg","2025-10-13 14:50:00",5859,"journal\u002Ffinancial-news\u002Fprofitable-promotions-in-armenian-banks-in-october-2025",{"title":311,"description":312,"thumbnail_image":313,"publication_date":314,"views_count":315,"url":316},"How Not to Fall Victim to Fraud in Armenia: Real Stories and New Tricks","Prepared in partnership with Earlyone (Google Play, iOS).In recent years, online fraud cases have been on the rise in Armenia. According to the police, dozens of people lost money in...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F32c1e5867addcd0b8739fdd3777c448f.jpg","2025-10-04 22:30:00",6792,"journal\u002Ffinancial-news\u002Fhow-not-to-fall-victim-to-fraud-in-armenia-real-stories-and-new-tricks",{"title":318,"description":319,"thumbnail_image":320,"publication_date":321,"views_count":322,"url":323},"Which investment opportunities are the best in Armenia?","Keeping money in a bank account or in cash usually doesn’t protect your capital from inflation. Over time, money loses its purchasing power. If you want your savings to generate...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F217f3fca51d077072937d06f05184f97.png","2025-10-04 21:50:00",13061,"journal\u002Finvestments\u002Fwhich-investment-opportunities-are-the-best-in-armenia",{"title":325,"description":326,"thumbnail_image":327,"publication_date":328,"views_count":329,"url":330},"Which Banks Offer the Highest Cashback on Cards in Armenia?","Prepared in partnership with Earlyone (Google Play, iOS).Would you like to get money back for every purchase — from a cup of coffee to a plane ticket? In Armenia, cashback...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F0fd2f9256443bb939ade6c64267055ce.png","2025-10-04 19:50:00",5736,"journal\u002Fdebit-cards\u002Fwhich-banks-offer-the-highest-cashback-on-cards-in-armenia",{"title":332,"description":333,"thumbnail_image":334,"publication_date":335,"views_count":336,"url":337},"How to Check Your Credit History in Armenia?","Your credit history is your “financial profile.” It shows all your loans, credit cards, repayment discipline, and even applications for new credit. In Armenia, credit histories are collected and stored...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fa9af254256c6d83cdbb7aecb8067cee9.png","2025-10-04 19:20:00",7078,"journal\u002Ffinance-made-simple\u002Fhow-to-check-your-credit-history-in-armenia",{"title":339,"description":340,"thumbnail_image":341,"publication_date":342,"views_count":343,"url":344},"RUB to AMD Exchange Rate in Armenia’s Exchange Offices – What’s Important to Know?","The material was updated on 29․01․2026.For travelers heading to Armenia or those already here, the RUB to AMD exchange rate today is one of the most important questions. The rate...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fa01120a3450538409a14813992177c60.jpg","2025-10-01 13:15:00",3975,"journal\u002Fcentral-bank-of-armenia\u002Frub-to-amd-exchange-rate-in-armenias-exchange-offices-whats-important-to-know",{"title":346,"description":347,"thumbnail_image":348,"publication_date":349,"views_count":350,"url":351},"Where to Exchange Currency in Armenia?","The material was updated on 29.01.2026.If you are visiting Armenia for the first time, it’s best to check in advance where the nearest exchange offices and banks are located. In...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F4cff0fa82142dfe1806c15f087fba9a6.png","2025-10-01 12:13:00",11350,"journal\u002Fcentral-bank-of-armenia\u002Fwhere-to-exchange-currency-in-armenia",{"title":353,"description":354,"thumbnail_image":355,"publication_date":356,"views_count":357,"url":358},"Buy iPhone 17 in Armenia: Prices, Installments, and the Best Stores","Finally, in September, 2025, Apple introduced the iPhone 17 – an upgraded lineup that immediately sparked huge interest in Armenia. The smartphones became more powerful, received improved cameras, a brighter...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F3e9ea22c1e788412e8098ae39e1b06c7.png","2025-09-22 19:40:00",11737,"journal\u002Ffinancial-news\u002Fbuy-iphone-17-in-armenia-prices-installments-and-the-best-stores",{"title":360,"description":361,"thumbnail_image":362,"publication_date":363,"views_count":364,"url":365},"Utility Payments: How to Check Debts and Pay Online","Financial literacy starts with simple things — for example, managing your utility bills correctly. Timely payments help you avoid penalties and unpleasant surprises. But what if you lost your receipt,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fc937f17c4766ca9eb3a8669b0a296dcf.jpg","2025-09-11 12:13:00",9631,"journal\u002Ffinancial-news\u002Futility-payments-how-to-check-debts-and-pay-online",{"title":367,"description":368,"thumbnail_image":369,"publication_date":370,"views_count":371,"url":372},"How to Invest in Armenia: From Bank Deposits to Bonds and Real Estate","Keeping money in a bank account or in cash usually does not preserve the purchasing power of capital due to inflation. Over time, money loses its value. If you want...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F380b8a1aa56c554566dc33c11bdb48a4.jpg","2025-09-05 16:50:00",7378,"journal\u002Ffinance-made-simple\u002Fhow-to-invest-in-armenia-from-bank-deposits-to-bonds-and-real-estate",{"title":374,"description":375,"thumbnail_image":376,"publication_date":377,"views_count":378,"url":379},"How to Get a Student Loan in Armenia: Banks, Terms, and Tips","Higher education in Armenia is paid in almost every university. Even if a family has financially prepared in advance, studying at a university or college can cost anywhere from hundreds...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F11eb029362e654eda17dcc33e35a231c.jpg","2025-08-08 20:17:00",3397,"journal\u002Fcash-loans\u002Fhow-to-get-a-student-loan-in-armenia-banks-terms-and-tips",{"title":381,"description":382,"thumbnail_image":383,"publication_date":384,"views_count":147,"url":385},"What Is a Student Loan?","A student loan is a targeted loan intended to cover the cost of higher education. The funds are transferred directly to the educational institution, and the student repays the loan...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F63ed783afcfeb1199ff97223fabb61fc.jpg","2025-08-08 12:00:00","journal\u002Fcash-loans\u002Fwhat-is-a-student-loan",{"title":387,"description":388,"thumbnail_image":389,"publication_date":390,"views_count":391,"url":392},"How to Properly Refinance a Loan to Save Money?","Prepared in partnership with Earlyone. (Google Play, iOs)Are you paying off a loan taken out years ago, but recently noticed that banks are offering much lower rates? It's worth considering...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F150fbfd81594d1bb33bebb0d4da20008.jpg","2025-07-21 19:25:00",5275,"journal\u002Fcash-loans\u002Fhow-to-properly-refinance-a-loan-to-save-money",{"title":394,"description":395,"thumbnail_image":396,"publication_date":397,"views_count":398,"url":399},"Which Banks Offer Online Loans?","Prepared in partnership with Earlyone. (Google Play, iOs)More and more people in Armenia are securing loans online without visiting a bank, queuing, or dealing with paperwork. You simply submit an...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F529cc0968150e8fe27f2836029ad3ea3.jpg","2025-07-21 17:18:00",12501,"journal\u002Fcash-loans\u002Fwhich-banks-offer-online-loans",{"title":401,"description":402,"thumbnail_image":403,"publication_date":404,"views_count":405,"url":406},"What is the Effective Interest Rate on a Loan – Explained with Examples","Prepared in partnership with Earlyone. (Google Play, iOs)When choosing a loan, you might see one bank offering 10% annual interest, while another offers 12% but with no fees. Which one...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Feb7607c29133f776239307a43622ed7c.jpg","2025-07-21 16:15:00",5159,"journal\u002Fkey-rate\u002Fwhat-is-the-effective-interest-rate-on-a-loan-explained-with-examples",{"title":408,"description":409,"thumbnail_image":410,"publication_date":411,"views_count":412,"url":413},"How to Avoid Paying Interest on Credit Cards?","Prepared in partnership with Earlyone. (Google Play, iOs)Getting a loan from the bank and not paying a single dram in interest – sounds like magic, right? With credit cards, it's...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fff8a0b05818f6b4b0d08c9986ee3d98a.jpg","2025-07-21 15:00:00",3668,"journal\u002Fdebit-cards\u002Fhow-to-avoid-paying-interest-on-credit-cards",{"title":415,"description":416,"thumbnail_image":417,"publication_date":418,"views_count":419,"url":420},"What to Do If You Lose Your Bank Card?","Prepared in partnership with Earlyone. (Google Play, iOs)Unfortunately, such an unpleasant incident can happen to anyone; no one is immune to losing their card. If it does happen, the main...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F2afd12d1c49a7c24b901740de723264e.jpg","2025-07-21 13:16:00",4220,"journal\u002Fdebit-cards\u002Fwhat-to-do-if-you-lose-your-bank-card",{"title":422,"description":423,"thumbnail_image":424,"publication_date":425,"views_count":426,"url":427},"Where to Get a Credit Card in Armenia with the Maximum Grace Period?","Have you seen the moment in the movies when the main character pays and suddenly hears: “payment rejected, not enough funds”? This is exactly what we are talking about. A...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Ffb5c25151b8095bb483c51d54c321c46.jpg","2025-07-05 11:20:00",4071,"journal\u002Fcredit-cards\u002Fwhere-to-get-a-credit-card-in-armenia-with-the-maximum-grace-period",{"title":429,"description":430,"thumbnail_image":431,"publication_date":432,"views_count":433,"url":434},"Where to Get a Credit Card in Armenia with the Maximum Limit: Comparing Banks and Conditions","Do you want to know how to get up to 30 million drams, enjoy airport privileges, and avoid unnecessary interest? Use a credit card. But before using the card, to...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F4fdf07c2f6d445a762b05e6814baeedf.jpg","2025-07-04 15:01:00",4525,"journal\u002Fcredit-cards\u002Fwhere-to-get-a-credit-card-in-armenia-with-the-maximum-limit-comparing-banks-and-conditions",{"title":436,"description":437,"thumbnail_image":438,"publication_date":439,"views_count":440,"url":441},"Which Visa Card to Choose in Armenia?","Confused about which Visa card to choose in Armenia? At first glance, getting a card is a simple matter. But profitability begins with nuances and upon closer examination it turns...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F9da6f435286a3a6df3eeefd0f712d293.jpg","2025-07-04 12:15:00",9521,"journal\u002Fdebit-cards\u002Fwhich-visa-card-to-choose-in-armenia",{"title":443,"description":444,"thumbnail_image":445,"publication_date":446,"views_count":447,"url":448},"Which Mastercard Payment System Card to Choose in Armenia?","Don't know which Mastercard to choose in Armenia? At first glance, it seems simple: you get a card and use it. But when you start comparing terms, it turns out...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fb32c9a12fd8f117beb4f5d9155961321.jpg","2025-06-30 18:35:00",9741,"journal\u002Fdebit-cards\u002Fwhich-mastercard-payment-system-card-to-choose-in-armenia",{"title":450,"description":451,"thumbnail_image":452,"publication_date":453,"views_count":454,"url":455},"Best Debit Cards in Armenia 2025: A Complete Guide to Online Application","In 2025, applying for a debit card in Armenia has become a more convenient and faster process. Banks strive to improve their services every year: many financial institutions offer the...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fe1aa42cfa8f165591f46dee46d69acfe.jpg","2025-06-30 10:50:00",10490,"journal\u002Fdebit-cards\u002Fbest-debit-cards-in-armenia-2025-a-complete-guide-to-online-application",{"title":457,"description":458,"thumbnail_image":459,"publication_date":460,"views_count":461,"url":462},"A Step-by-step guide on How to get a card with the best terms in 2025","Applying for a bank card is not just a choice between Visa and Mastercard or different banks. It's a way to save on fees, earn cashback, control your finances, and...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F7ef8e48f31e918be8cf2b03d23cb583a.jpg","2025-06-29 20:10:00",4548,"journal\u002Fdebit-cards\u002Fa-step-by-step-guide-on-how-to-get-a-card-with-the-best-terms-in-2025",{"title":464,"description":465,"thumbnail_image":466,"publication_date":467,"views_count":468,"url":469},"Which Debit Card to Choose and Apply for in Armenia in 2025?","Do you want to pay without unnecessary expenses, receive cashback, and not worry about additional fees when converting currencies? In Armenia, the process of obtaining a debit card is becoming...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fb283c5b7b139663f388c7f16ac015e0e.jpg","2025-06-29 17:20:00",7481,"journal\u002Fdebit-cards\u002Fwhich-debit-card-to-choose-and-apply-for-in-armenia-in-2025",{"title":471,"description":472,"thumbnail_image":473,"publication_date":474,"views_count":475,"url":476},"Instant Debit Cards in Armenia: A Detailed Review","In today's financial market, where speed and convenience play a key role, instant debit cards are becoming an increasingly sought-after tool.In Armenia, as in many other countries, banks are actively...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fa644e70a3bfb7746173e82b3c21febef.jpg","2025-06-29 16:17:00",10972,"journal\u002Fdebit-cards\u002Finstant-debit-cards-in-armenia-a-detailed-offer-review",{"title":478,"description":479,"thumbnail_image":480,"publication_date":481,"views_count":482,"url":483},"Mobile Banking in Armenia: How to Manage Your Money on the Go","Nowadays, your phone is not just a communication device; it's your personal financial hub. The ability to manage money anytime, anywhere, has become not just a convenience but a necessity....","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fd210fb1d73c468597da1b095a8c49864.jpeg","2025-06-25 17:30:00",6196,"journal\u002Fameriabank\u002Fhow-to-manage-money-from-your-phone-mobile-banks-in-armenia",{"title":485,"description":486,"thumbnail_image":487,"publication_date":488,"views_count":489,"url":490},"Online Banking in Armenia: How to Connect and Use it from Home","Paying utility bills, making transfers, opening deposits, or simply checking your card balance – all these can be done from the comfort of your home. Online banking in Armenia has...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F02fa9e8e5726d8ebbd88c0f4d23c601c.jpeg","2025-06-25 10:25:00",6585,"journal\u002Facba-bank\u002Fonline-banking-in-armenia-how-to-connect-and-use-from-home",{"title":492,"description":493,"thumbnail_image":494,"publication_date":495,"views_count":496,"url":497},"Best Debit Cards in Armenia 2025: A Detailed Guide on How to Choose and Use Them","A debit card is a tool that can help you save on fees, avoid unnecessary expenses abroad, and even earn money through cashback and bonus programs. In Armenia in 2025,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F7cc6a87f79fd535bf3f2ff1a881d0df4.jpg","2025-06-24 12:35:00",10405,"journal\u002Fdebit-cards\u002Fbest-debit-cards-in-armenia-2025-a-detailed-guide-to-choosing-and-using",{"title":499,"description":500,"thumbnail_image":501,"publication_date":502,"views_count":503,"url":504},"Russian Ruble to AMD Exchange Rate Today: Where to Exchange Money Profitably in Armenia","Have you arrived in Armenia, planning to send money to relatives, or simply managing your finances in a volatile market? The Russian Ruble to Armenian Dram exchange rate is a...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F3534e88d40fbded330c066962d12f700.png","2025-06-20 13:45:00",10892,"journal\u002Facba-bank\u002Frussian-ruble-to-amd-exchange-rate-today-where-to-exchange-money-profitably-in-armenia",{"title":506,"description":507,"thumbnail_image":508,"publication_date":509,"views_count":510,"url":511},"Tips on How to Transfer Money Online Without Commission in Armenia","In the modern world, online transfers have become an integral part of financial life. Their speed, convenience, and accessibility make them the preferred payment method for millions of people. However,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fdc69d0fed814057c4c6b87c40e8de3f8.png","2025-06-20 12:15:00",5852,"journal\u002Facba-bank\u002Fhow-to-transfer-money-online-without-commission-real-world-tips-for-afm",{"title":513,"description":514,"thumbnail_image":515,"publication_date":516,"views_count":517,"url":518},"USD to AMD Exchange Rate: How to Monitor and Exchange Currency Profitably","In the world of finance, where every penny counts, the ability to track and profitably exchange currency becomes not just a useful skill, but a necessity. For residents of Armenia...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Feb916a91062711b54ae352c85a3ad675.png","2025-06-19 12:15:00",5703,"journal\u002Facba-bank\u002Fusd-to-amd-exchange-rate-how-to-monitor-and-exchange-currency-profitably",{"title":520,"description":521,"thumbnail_image":522,"publication_date":523,"views_count":524,"url":525},"Utility Payments in Armenia: How to Pay Bills Without Queues","Paying utility bills is an integral part of life, no matter where you are. In Armenia, fortunately, convenient ways to make these payments have long existed, saving you from spending...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F0cc5f97888d9fe0da8f0e209f77c46fb.png","2025-06-19 11:17:00",8815,"journal\u002Fameriabank\u002Futility-payments-in-armenia-how-to-pay-bills-without-queues",{"title":527,"description":528,"thumbnail_image":529,"publication_date":530,"views_count":531,"url":532},"AFM – Armenia’s financial marketplace where everything is fair!","Welcome to Armenia’s first platform designed to help you save money every day. Sounds good, right? But how exactly do we do that?We launched in March 2025 and want to...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F5c15dd886f70b4f7cba32a1ae964c29d.jpg","2025-06-04 12:25:00",25233,"journal\u002Ffinancial-news\u002Fafm-armenias-financial-marketplace-where-everything-is-fair",{"title":534,"description":535,"thumbnail_image":536,"publication_date":537,"views_count":538,"url":539},"Armenian Bank Cards for International Shopping: How to Choose the Right One and Avoid Hidden Fees","In 2025, more and more Armenian residents are making online purchases abroad — ordering clothes on ASOS, cosmetics and supplements from iHerb, electronics from Amazon, and traveling frequently to Europe,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fb88a2f65e142c0f1bc2b4c2a0143f8f7.jpg","2025-06-02 12:17:00",18274,"journal\u002Fdebit-cards\u002Farmenian-bank-cards-for-international-shopping-how-to-choose-the-right-one-and-avoid-hidden-fees",{"title":541,"description":542,"thumbnail_image":543,"publication_date":544,"views_count":545,"url":546},"How to Open a Bank Account in Armenia: Documents for Residents and Non-Residents, Remote Options, and Key Aspects in 2025","A bank account in Armenia is a key financial tool — whether for personal use or for running a business. It allows you to get a debit card, receive transfers,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F887f939ca69db6e7bd88fe048d2e08c7.jpg","2025-06-02 11:17:00",28462,"journal\u002Fdebit-cards\u002Fhow-to-open-a-bank-account-in-armenia-documents-for-residents-and-non-residents-remote-options-and-key-aspects-in-2025",{"title":548,"description":549,"thumbnail_image":550,"publication_date":551,"views_count":552,"url":553},"Armenian Bank Cards: How to Choose and Get the Most Profitable One in 2025","In 2025, Armenian banks are offering hundreds of different debit cards — with cashback, interest on balance, free maintenance, and travel bonuses. To choose the one that truly fits your...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fff0a48e04024cf6f91ed56997d479fab.jpg","2025-05-30 11:37:00",9559,"journal\u002Fdebit-cards\u002Farmenian-bank-cards-how-to-choose-and-get-the-most-profitable-one-in-2025",{"title":555,"description":556,"thumbnail_image":557,"publication_date":558,"views_count":559,"url":560},"Best credit cards with grace period in Armenia: how to avoid Interest and choose the right option","A credit card is more than just a convenient way to pay when your account temporarily runs low on funds. In Armenia, banks offer credit cards with a grace period—allowing...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F3360009d9bdafda3b71a992bfab2c800.jpg","2025-05-28 14:35:00",3710,"journal\u002Fcredit-cards\u002Fbest-credit-cards-with-grace-periods-in-armenia-how-to-avoid-interest-and-choose-the-right-option",{"title":562,"description":563,"thumbnail_image":564,"publication_date":565,"views_count":566,"url":567},"Which Banks Issue Loans to Non-Residents in Armenia? Conditions, Amounts, and Rates","Non-residents can obtain loans in Armenia, but the terms often differ from those offered to Armenian citizens. The key distinction is an individual assessment of each application. Banks evaluate the...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fa6f162724084eef061ebad15ef28a8aa.jpg","2025-05-26 12:28:00",8566,"journal\u002Fcash-loans\u002Fwhich-banks-issue-loans-to-non-residents-in-armenia-conditions-amounts-and-rates",{"title":569,"description":570,"thumbnail_image":571,"publication_date":572,"views_count":573,"url":574},"Which Banks Offer Loans Without Proof of Official Income?","Not all residents of Armenia can provide an official income statement from their employer. This is especially relevant for self-employed individuals, freelancers, entrepreneurs, and those earning income unofficially. However, the...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fbcc60a3e82077a137bc1da5a3a3c0532.png","2025-05-25 13:10:00",13237,"journal\u002Fcash-loans\u002Fwhich-banks-offer-loans-without-proof-of-official-income",{"title":576,"description":577,"thumbnail_image":578,"publication_date":579,"views_count":580,"url":581},"Where to Get the Largest Loan in Armenia: Top 5 Banks with the Highest Limits in 2025","If you're planning a major purchase, renovation, business launch, or refinancing, it's crucial to understand that banks in Armenia offer very different limits on consumer loans. While some cap the...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F0aecf704f834cb7c7535a653d055e130.jpg","2025-05-25 12:10:00",3870,"journal\u002Fcash-loans\u002Fwhere-to-get-the-largest-loan-in-armenia-top-5-banks-with-the-highest-limits-in-2025",{"title":583,"description":584,"thumbnail_image":585,"publication_date":586,"views_count":587,"url":588},"How to Open a Free Visa or MasterCard Debit Card in Armenia in 2025?","If you live in Armenia, travel here frequently for work, or are simply looking for a convenient international debit card with no extra fees — this guide is for you....","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F41af554c2017fdaaea8eadff0e822cd0.jpg","2025-05-25 10:00:00",14893,"journal\u002Fdebit-cards\u002Fhow-to-open-a-free-visa-or-mastercard-debit-card-in-armenia-in-2025",{"title":590,"description":591,"thumbnail_image":592,"publication_date":593,"views_count":594,"url":595},"How to open a bank account in Armenia for Russian citizens in 2025?","If you want to become a client of an Armenian bank in order to later get a card, open a deposit, take out a loan or make a transfer —...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fc12cae5cb4fa88299d71ba71c945040b.jpg","2025-05-24 11:20:00",16386,"journal\u002Fnon-residents\u002Fhow-to-open-a-bank-account-in-armenia-for-russian-citizens-in-2025",{"title":597,"description":598,"thumbnail_image":599,"publication_date":600,"views_count":601,"url":602},"Cashback Debit Card Ranking in Armenia for Russian Citizens","Can a Russian citizen obtain a debit card in Armenia?Not just any card, but one that offers cashback for transactions? What documents are required, what fees are charged by the...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F5cecbb7746feecfb3531bde671b66909.jpg","2025-05-18 01:00:00",4005,"journal\u002Fdebit-cards\u002Fcashback-debit-card-ranking-in-armenia-for-russian-citizens",{"title":604,"description":605,"thumbnail_image":606,"publication_date":607,"views_count":608,"url":609},"Top 5 deposit offers in Armenia for non-Residents","What is required for non-residents to open a deposit in Armenia?We have researched this question and selected the five most advantageous deposit accounts in Armenia available to non-residents.Let’s imagine you...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F496de1b843d9bcdf00022593b7ebdb52.png","2025-05-16 00:00:00",8450,"journal\u002Fdeposits\u002Ftop-5-deposit-offers-in-armenia-for-non-residents",{"title":611,"description":612,"thumbnail_image":613,"publication_date":614,"views_count":615,"url":616},"Which Bank in Armenia Offers the Most Profitable Deposit for 2 Million Drams?","Updated in May 2025We set out to find which banks in Armenia offer the highest interest rates on one-year deposits — taking into account all fees, interest capitalization terms, early...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fc5dfc749dc8a85efc18632555037af18.jpg","2025-05-10 15:40:00",30721,"journal\u002Fdeposits\u002Fwhich-bank-in-armenia-offers-the-most-profitable-deposit-for-2-million-drams",{"title":618,"description":619,"thumbnail_image":620,"publication_date":621,"views_count":622,"url":623},"How to Take Out a Mortgage in Armenia Without Getting Trapped in Debt: A Guide for Borrowers","A loan can be a useful financial tool — if used wisely. In Armenia, there are many available programs, both standard and government-supported, including subsidized interest rates and assistance for...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fddaab3351c7a704e983a503b5ea34fee.jpg","2025-05-04 00:00:00",3562,"journal\u002Fmortgage\u002Fhow-to-take-out-a-mortgage-in-armenia-without-getting-trapped-in-debt-a-guide-for-borrowers",{"title":625,"description":626,"thumbnail_image":627,"publication_date":621,"views_count":628,"url":629},"Family Mortgage: How to Get the Best Deal Through the “Affordable Housing for Young Families” State Program","Buying a home is a major financial step — especially for young families who may not yet have significant savings or a stable high income. The good news is that...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F84eabef660b8a2422251677c0a15bcfd.jpg",7173,"journal\u002Fmortgage\u002Ffamily-mortgage-how-to-get-the-best-deal-through-the-affordable-housing-for-young-families-state-program",{"title":631,"description":632,"thumbnail_image":633,"publication_date":621,"views_count":634,"url":635},"Mortgage Refinancing: How to Make the Right Choice and Save Money","Mortgage refinancing is a way to ease your financial burden by taking out a new loan on better terms. If your current mortgage has a high interest rate, the monthly...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Febc4fa42baec88c72e8d4e87d2b4f245.jpg",3920,"journal\u002Fmortgage\u002Fmortgage-refinancing-how-to-make-the-right-choice-and-save-money",{"title":637,"description":638,"thumbnail_image":639,"publication_date":640,"views_count":641,"url":642},"How to Buy an Apartment in Yerevan: Step-by-Step Guide","The Armenian capital is becoming increasingly attractive for living, investing, and renting out property. Thanks to affordable mortgage programs, government subsidies, and a stable real estate market, buying an apartment...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fb5479900e56e52338b9adacf7c0f70f2.jpg","2025-05-01 00:00:00",10649,"journal\u002Fmortgage\u002Fhow-to-buy-an-apartment-in-yerevan-step-by-step-guide",{"title":644,"description":645,"thumbnail_image":646,"publication_date":640,"views_count":647,"url":648},"Government Housing Program for Contract Officers and Senior Warrant Officers in Armenia","The government program for contract officers and senior warrant officers allows you to purchase or build a home in Armenia with minimal financial burden — thanks to a special state...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fde461bc3fc5f07cc2ba5de11d6ecf50f.jpg",4671,"journal\u002Fmortgage\u002Fgovernment-housing-program-for-contract-officers-and-senior-warrant-officers-in-armenia",{"title":650,"description":651,"thumbnail_image":652,"publication_date":640,"views_count":653,"url":654},"How to Get a Mortgage in Armenia at the Lowest Rate in 2025","In 2025, Armenia offers several dozen mortgage programs — both through standard bank rates and government-subsidized programs. The range of interest rates is very wide: it’s possible to get a...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F66674b24c7cdd4c35d9fffa0fbb69092.jpg",10889,"journal\u002Fmortgage\u002Fhow-to-get-a-mortgage-in-armenia-at-the-lowest-rate-in-2025",{"title":656,"description":657,"thumbnail_image":658,"publication_date":640,"views_count":659,"url":660},"How Much Down Payment Is Required for a Mortgage in Armenia in 2025?","Planning to take out a mortgage in Armenia but not sure if your savings are enough for the down payment? In 2025, conditions can vary significantly depending on the bank,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F09a8af39aeadd5339829b0d6046a0c0b.jpg",7599,"journal\u002Fmortgage\u002Fhow-much-down-payment-is-required-for-a-mortgage-in-armenia-in-2025",{"title":662,"description":663,"thumbnail_image":664,"publication_date":665,"views_count":666,"url":667},"How to Buy a House in Armenia: A Step-by-Step Guide for Residents and Foreigners","For many, buying a house in Armenia is not just a transaction — it is a return to their roots, culture, language, and way of life. For those without Armenian...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F33915f3b44f193a11b05a2b8094f97ce.jpg","2025-04-30 00:00:00",17558,"journal\u002Fmortgage\u002Fhow-to-buy-a-house-in-armenia-a-step-by-step-guide-for-residents-and-foreigners",{"title":669,"description":670,"thumbnail_image":671,"publication_date":665,"views_count":672,"url":673},"How to Buy an Apartment in Armenia: With or Without a Mortgage?","Buying an apartment in Armenia is a major decision — especially when the budget is limited and the market is constantly changing. Today, buyers have several options:save money on their...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F0f7ca83ddc7aa67c84183b85a1af013d.jpg",6132,"journal\u002Fmortgage\u002Fhow-to-buy-an-apartment-in-armenia-with-or-without-a-mortgage",{"title":675,"description":676,"thumbnail_image":677,"publication_date":678,"views_count":679,"url":680},"How to Get a Mortgage at Inecobank on the Best Terms?","Inecobank is one of the most dynamic banks in Armenia, focused on retail clients. The bank emphasizes clear products, a simplified application process, and modern customer service. It is actively...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F68e64a138b2782edc633ca393fa02d52.jpg","2025-04-23 00:00:00",3073,"journal\u002Fmortgage\u002Fhow-to-get-a-mortgage-at-inecobank-on-the-best-terms",{"title":682,"description":683,"thumbnail_image":684,"publication_date":678,"views_count":685,"url":686},"The Most Affordable Mortgage Loans in Armenia: Where to Find the Lowest Rates and Zero Fees?","For many families, purchasing an apartment or house is one of the most significant financial decisions in their lives. If there isn't enough money to cover the full cost upfront,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F93f3993cc813fa1a53762d20b1c6b4a8.jpg",7345,"journal\u002Fmortgage\u002Fthe-most-affordable-mortgage-loans-in-armenia-where-to-find-the-lowest-rates-and-zero-fees",{"title":688,"description":689,"thumbnail_image":690,"publication_date":678,"views_count":691,"url":692},"How to Get a Mortgage from Ardshinbank on Favorable Terms?","Ardshinbank offers some of the most flexible and accessible mortgage solutions on the Armenian market. The bank participates in several government subsidy programs, allowing clients to significantly reduce their interest...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F47b72e86e67337334fecb2f6305a6d02.jpg",3830,"journal\u002Fmortgage\u002Fhow-to-get-a-mortgage-from-ardshinbank-on-favorable-terms",{"title":694,"description":695,"thumbnail_image":696,"publication_date":678,"views_count":697,"url":698},"How to Get a Mortgage from ACBA Bank on Beneficial Terms","ACBA Bank is one of the most stable and versatile banks in Armenia, actively serving both individual and corporate clients. The bank participates in all major government-backed mortgage programs, including...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F5c4fa888ef4abe4396764d788907556e.jpg",4496,"journal\u002Fmortgage\u002Fhow-to-get-a-mortgage-from-acba-bank-on-beneficial-terms",{"title":700,"description":701,"thumbnail_image":702,"publication_date":678,"views_count":703,"url":704},"How to Get a Mortgage from Converse Bank on Favorable Terms","Converse Bank is one of Armenia’s leading banks, offering a wide range of mortgage products tailored to different life situations. Its portfolio includes loans for the purchase, construction, and renovation...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F88f6d939b8b98cd25007d17200987e59.jpg",2810,"journal\u002Fmortgage\u002Fhow-to-get-a-mortgage-from-converse-bank-on-favorable-terms",{"title":706,"description":707,"thumbnail_image":708,"publication_date":709,"views_count":710,"url":711},"How to Get a Mortgage from Ameriabank on Favorable Terms?","Ameriabank is one of the largest universal banks in Armenia, offering a full range of financial services for individuals and businesses. It is currently the only bank in Armenia that...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F9a9e21e04e99a584d5884193f008b1c5.jpg","2025-04-18 00:00:00",6279,"journal\u002Fmortgage\u002Fhow-to-get-a-mortgage-from-ameriabank-on-favorable-terms",{"title":713,"description":714,"thumbnail_image":715,"publication_date":716,"views_count":717,"url":718},"How the Mortgage Income Tax Refund Program Works in Armenia: Terms and Changes Starting from 2025","The Mortgage Income Tax Refund Program is currently one of the most beneficial government support tools for citizens purchasing real estate in Armenia. It allows you to reclaim a significant...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F8f070e11eac9cfcbccf11ed2afaf3404.jpg","2025-04-14 00:00:00",12948,"journal\u002Fmortgage\u002Fhow-the-mortgage-income-tax-refund-program-works-in-armenia-terms-and-changes-starting-from-2025",{"title":720,"description":721,"thumbnail_image":722,"publication_date":716,"views_count":723,"url":724},"Mortgage Program for Families Displaced from Artsakh: How to Get Housing with Government Support?","Since June 2022, families forcibly displaced from Artsakh have been eligible for state assistance to purchase housing in Armenia. The government has approved a special program that allows displaced individuals...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F69a41305271d5ebb21227eea46c1bd89.jpg",4890,"journal\u002Fmortgage\u002Fmortgage-program-for-families-displaced-from-artsakh-how-to-get-housing-with-government-support",{"title":726,"description":727,"thumbnail_image":728,"publication_date":716,"views_count":729,"url":730},"State Energy-Efficient Home Improvement Program: How to Save on Renovations and Cut Utility Bills","The global trend toward energy-efficient technologies in construction and home renovation is gaining momentum. According to the International Energy Agency (IEA), buildings account for over 35% of global energy consumption,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F45ebc255036fddd0abaeea2da9a2c46b.jpg",4095,"journal\u002Fmortgage\u002Fstate-energy-efficient-home-improvement-program-how-to-save-on-renovations-and-cut-utility-bills",{"title":732,"description":733,"thumbnail_image":734,"publication_date":716,"views_count":735,"url":736},"Buying an Apartment with a Mortgage in Yerevan: Which Banks Offer the Lowest Rates","Yerevan remains the most expensive city in Armenia in terms of real estate prices. Starting from 2025, the income tax refund program for mortgage borrowers is no longer available in...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F9d9cc48aafb7c3f149db9a8aa24e5d12.jpg",5373,"journal\u002Fmortgage\u002Fbuying-an-apartment-with-a-mortgage-in-yerevan-which-banks-offer-the-lowest-rates",{"title":738,"description":739,"thumbnail_image":740,"publication_date":741,"views_count":742,"url":743},"Mortgage with Government Support in Armenia: A Complete Guide to All Active Programs","If you're planning to take out a mortgage in Armenia, this is the most complete and up-to-date overview of all current government-backed programs. It includes all the essential information: what...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F73b58094ab192f6d9b0ef22db427b291.jpg","2025-04-13 00:00:00",11528,"journal\u002Fmortgage\u002Fmortgage-with-government-support-in-armenia-a-complete-guide-to-all-active-programs",{"title":745,"description":746,"thumbnail_image":747,"publication_date":748,"views_count":749,"url":750},"Mortgage Calculator: How to Estimate Overpayment When Buying Property in Armenia in 2025","Planning to buy an apartment and want to understand how much you’ll end up overpaying on your mortgage? A mortgage calculator can help — it's a simple online tool that...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F4e36152398bf5d7b51c70ecd05960e3d.jpg","2025-04-10 00:00:00",6498,"journal\u002Fmortgage\u002Fmortgage-calculator-how-to-estimate-overpayment-when-buying-property-in-armenia-in-2025",{"title":752,"description":753,"thumbnail_image":754,"publication_date":755,"views_count":756,"url":757},"What Is a Mortgage and How to Get One in Armenia","Let’s break down how mortgage loans work, what to consider when choosing one, and the steps to successfully apply for a mortgage from an Armenian bank.What Is a Mortgage in...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F4ce3ce6bf35633af1bb9580bf524b00b.jpg","2025-04-09 00:00:00",6985,"journal\u002Fmortgage\u002Fwhat-is-a-mortgage-and-how-to-get-one-in-armenia",{"title":759,"description":760,"thumbnail_image":761,"publication_date":755,"views_count":762,"url":763},"Buying an Apartment with a Mortgage in Yerevan and Other Cities of Armenia: How to Find the Best Terms in 2025","Purchasing an apartment with a mortgage has a direct impact on your family budget. In 2025, Armenia offers a wide range of mortgage programs — both with government support and...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F149e3553fb90c624e4952688cdc6825a.jpg",5663,"journal\u002Fmortgage\u002Fbuying-an-apartment-with-a-mortgage-in-yerevan-and-other-cities-of-armenia-how-to-find-the-best-terms-in-2025",{"title":765,"description":766,"thumbnail_image":767,"publication_date":768,"views_count":769,"url":770},"How to Get Housing Through the State Program for Families in Border Villages of Armenia? Conditions, Benefits, and Hidden Pitfalls","Moving to Armenia’s border villages can be a smart move for families dreaming of owning a home. In 2022, a special support program was launched to help Armenian families obtain...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F76b22534045faa91c12566cda9454bbe.jpg","2025-04-03 00:00:00",5990,"journal\u002Fmortgage\u002Fhow-to-get-housing-through-the-state-program-for-families-in-border-villages-of-armenia-conditions,-benefits,-and-hidden-pitfalls",{"title":772,"description":773,"thumbnail_image":774,"publication_date":775,"views_count":776,"url":777},"Loan refinancing in Armenia in 2025: How to reduce loan payments and save money","Loan refinancing is when you transfer your loan from one bank to another. In fact, it is the registration of a new loan to repay the existing one. Refinancing allows...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F31b06ee38dd50efe8d8295f2ea9a6063.jpg","2025-03-26 17:25:00",5847,"journal\u002Fcash-loans\u002Floan-refinancing-in-armenia-in-2025-how-to-reduce-loan-payments-and-save-money",{"title":779,"description":780,"thumbnail_image":781,"publication_date":782,"views_count":783,"url":784},"How to Get a Loan Without Guarantors in Armenia and Avoid Overpaying: A Complete Guide","Want to take out a loan but don’t want to involve guarantors? In Armenia, many banks offer loans without the need to bring in third parties — but such loans...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F493161ab49d3def6fad5e081de1f2f28.jpg","2025-03-26 00:00:00",5937,"journal\u002Fcash-loans\u002Fhow-to-get-a-loan-without-guarantors-in-armenia-and-avoid-overpaying-a-complete-guide",{"title":786,"description":787,"thumbnail_image":788,"publication_date":782,"views_count":789,"url":790},"Where to Get a Loan in Armenia: Best Banks and Conditions","Armenia offers many banks providing a variety of loan products. Choosing the best bank and loan conditions always depends on your individual needs and financial capabilities. In this article, we’ll...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fdcd5f11b7696495d74e1e4a95f5ac80b.jpg",7096,"journal\u002Fcash-loans\u002Fwhere-to-get-a-loan-in-armenia-best-banks-and-conditions",{"title":792,"description":793,"thumbnail_image":794,"publication_date":795,"views_count":796,"url":797},"How to Choose the Most Profitable Loan: Borrower's Checklist","Taking out a loan is a serious financial decision, and a mistake at this stage can cost you thousands or even hundreds of thousands of drams in overpayments. How can...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F1a7471ac11431cac5332f8172ebb7f73.jpg","2025-03-24 16:01:00",2943,"journal\u002Fcash-loans\u002Fhow-to-choose-the-most-profitable-loan-borrowers-checklist",{"title":799,"description":800,"thumbnail_image":801,"publication_date":802,"views_count":803,"url":804},"How to Get a Loan with Minimal Overpayment in 2025: What to Consider?","When choosing a loan, many people focus only on the interest rate. However, the total cost of the loan is more important: fees, mandatory insurance, and hidden charges can significantly...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F1c9dfe2a88d425e202b9005719c88cdd.jpg","2025-03-24 14:17:00",3085,"journal\u002Fcash-loans\u002Fhow-to-get-a-loan-with-minimal-overpayment-in-2025-what-to-consider",{"title":806,"description":807,"thumbnail_image":808,"publication_date":809,"views_count":810,"url":811},"How to Reduce Loan Overpayment: Practical Tips to Save Money","Have you ever thought about how much it actually costs to service a loan from a bank? How can you determine the total amount you will end up paying, and...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F7578d2ffbd7a2b8adda154191627cea7.jpg","2025-03-24 11:17:00",2867,"journal\u002Fcash-loans\u002Fhow-to-reduce-loan-overpayment-practical-tips-to-save-money",{"title":813,"description":814,"thumbnail_image":815,"publication_date":816,"views_count":817,"url":818},"What Loans Can Foreigners Get in Armenia?","Are you already living in Armenia or planning to move, work, or invest here? At some point, you may need credit to finance your needs. But is it possible to...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fd2f570a12b07f9e8d72da0cbca8b3200.png","2025-03-24 10:25:00",13112,"journal\u002Fcash-loans\u002Fwhat-loans-can-foreigners-get-in-armenia",{"title":820,"description":821,"thumbnail_image":822,"publication_date":823,"views_count":824,"url":825},"Where to Get a Cash Loan in Armenia?","A cash loan is one of the most popular ways to obtain borrowed funds from a bank. Despite its name, the money is not given directly in cash; instead, the...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Faa0a15561e0440bac79338188222fd12.jpg","2025-03-21 18:06:00",5465,"journal\u002Fcash-loans\u002Fwhere-to-get-a-cash-loan-in-armenia",{"title":827,"description":828,"thumbnail_image":829,"publication_date":830,"views_count":831,"url":832},"How to Get a Loan on a Card: Online Application and Bank Conditions","If you urgently need money, you can apply for a consumer loan from home - without visiting a bank. All you need to do is submit an online application, provide...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fd9e8c54a8a504da70078365a58832725.jpg","2025-03-21 17:15:00",4736,"journal\u002Fcash-loans\u002Fhow-to-get-a-loan-on-a-card-online-application-and-bank-conditions",{"title":834,"description":835,"thumbnail_image":836,"publication_date":837,"views_count":838,"url":839},"Low-Interest Loans in Armenia: Which Banks Offer the Best Terms?","Looking for low-interest loans with minimal rates? Many banks in Armenia offer loans, and at first glance, their terms may seem similar. However, in reality, they can vary significantly. In...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F2125be4b725203a6a5bc5377543533d2.jpg","2025-03-21 15:20:00",8773,"journal\u002Fcash-loans\u002Flow-interest-loans-in-armenia-which-banks-offer-the-best-terms",{"title":841,"description":842,"thumbnail_image":843,"publication_date":844,"views_count":845,"url":846},"How to Get a Loan Without Income Proof in Armenia?","When issuing a loan, banks aim to minimize risks and ensure that the borrower can repay the money. This is why, in most cases, income verification and proof of stable...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F93ac654d33c3b0cb8e09533c13034ff7.jpg","2025-03-21 14:25:00",7859,"journal\u002Fcash-loans\u002Fhow-to-get-a-loan-without-income-proof-in-armenia",{"title":848,"description":849,"thumbnail_image":850,"publication_date":851,"views_count":852,"url":853},"Unsecured Loans: Where and How to Get Loans in Armenian Banks","If you have ever considered taking out a loan but were discouraged by terms like \"collateral\" and \"security,\" there's good news for you: today, almost all Armenian banks offer unsecured...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Ff3e08f75982b763d5b96cb9cae99b877.jpg","2025-03-20 10:59:00",5113,"journal\u002Fcash-loans\u002Funsecured-loans-where-and-how-to-get-loans-in-armenian-banks",{"title":855,"description":856,"thumbnail_image":857,"publication_date":858,"views_count":859,"url":860},"Which Consumer Loan in Armenia is the Best in 2025?","Do you need money for new household appliances? Planning a home renovation but lacking savings? Want to update your wardrobe or go on a long-awaited trip? Wondering where to get...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F9a9a71435ee78dbdcce42eab227e2f2c.jpg","2025-03-18 16:30:00",8906,"journal\u002Fcash-loans\u002Fwhich-consumer-loan-in-armenia-is-the-best-in-2025",{"title":862,"description":863,"thumbnail_image":864,"publication_date":865,"views_count":866,"url":867},"Online Loans in Armenia: Where to Get a Loan Without Visiting a Bank?","Modern technology allows you to apply for urgent loans without leaving your home. Terms like online loans, passport-based loans, and instant loans all seem synonymous with convenience. However, in Armenia,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Ff2f28f4b92d7f902750ab0d0f99373e0.png","2025-03-18 12:15:00",7933,"journal\u002Fcash-loans\u002Fonline-loans-in-armenia-where-to-get-a-loan-without-visiting-a-bank",{"title":869,"description":870,"thumbnail_image":871,"publication_date":872,"views_count":873,"url":874},"Loan with Bad Credit History: Is It Possible to Get One in Armenia?","Getting a loan when you have a history of missed payments and outstanding debts may seem impossible. However, in reality, there is still a chance—everything depends on how severe the...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fd113a0824dcfcda402427a7b04f20615.jpg","2025-03-10 15:00:00",6202,"journal\u002Fcash-loans\u002Floan-with-bad-credit-history-is-it-possible-to-get-one-in-armenia",{"title":876,"description":877,"thumbnail_image":878,"publication_date":879,"views_count":880,"url":881},"Ranking of Debit Cards with Cashback in Armenia","Despite the wide variety of debit cards available in Armenia, cashback systems are still in their early stages — only 4 out of 17 banks currently offer debit cards with...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Ffb6d0108c9c678b90765fd07340ebbaa.webp","2024-12-27 00:00:00",5747,"journal\u002Fdebit-cards\u002Fcashback-debit-cards-ranking-in-armenia",{"title":883,"description":884,"thumbnail_image":885,"publication_date":886,"views_count":887,"url":888},"Euro Deposits in Armenia: Where to Find the Best Rates?","Foreign currency savings remain a relevant and strategic option in Armenia's banking market. AFM continues its series of overviews on foreign currency deposits — this time focusing on euro deposits....","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F562807b5d9cc8ccd2e4458d8671811ec.webp","2024-12-24 00:00:00",4115,"journal\u002Fdeposits\u002Fdeposits-in-armenia-in-euros-the-most-profitable-deposits-and-conditions",{"title":890,"description":891,"thumbnail_image":892,"publication_date":893,"views_count":894,"url":895},"US Dollar Deposits in Armenia: Where to Find the Best Rates","In addition to deposits in Armenian drams, most banks in Armenia also offer savings in foreign currencies such as US dollars, euros, and Russian rubles. While foreign currency deposits tend...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F527349cdaec9993c2e790b73d7f039c8.webp","2024-12-23 00:00:00",5385,"journal\u002Fdeposits\u002Fdeposits-in-armenia-in-us-dollars-the-most-profitable-deposits-and-conditions",{"title":897,"description":898,"thumbnail_image":899,"publication_date":900,"views_count":901,"url":902},"How Do Armenian Banks Define Residency and Why It Matters?","Residency status reflects your legal and economic connection to a country. In Armenia, this concept is interpreted differently by various banks, and this can significantly affect your access to financial...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fa10d41056efe6f2eb8f956111ccfc7e4.webp","2024-12-21 00:00:00",5305,"journal\u002Fnon-residents\u002Fhow-do-armenian-banks-determine-your-residency",{"title":904,"description":905,"thumbnail_image":906,"publication_date":907,"views_count":908,"url":909},"What Is the Effective Interest Rate and Why It's Almost Always Higher Than the One Advertised by the Bank","Understanding how to choose a loan that won’t drain your budgetWhen applying for a loan — whether it's a personal loan, mortgage, or car loan — the first thing you’re...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F06d0931ad724bbbe1cda6f64ecc124b5.webp","2024-12-20 00:00:00",4150,"journal\u002Fcash-loans\u002Fwhat-is-the-effective-interest-rate-and-why-its-almost-always-higher-than-the-one-advertised-by-the-bank",[911,914],{"title":912,"slug":913},"News","news",{"title":915,"slug":916},"Journal","journal",{"data":918},[919,920,921,922,923,924,925,926,927,928,929,930,931,932,933,934,935,936,937,938,939],{"title":59,"description":60,"thumbnail_image":61,"publication_date":62,"views_count":63,"url":64},{"title":66,"description":67,"thumbnail_image":68,"publication_date":69,"views_count":70,"url":71},{"title":73,"description":74,"thumbnail_image":75,"publication_date":76,"views_count":77,"url":78},{"title":80,"description":81,"thumbnail_image":82,"publication_date":83,"views_count":84,"url":85},{"title":87,"description":88,"thumbnail_image":89,"publication_date":90,"views_count":91,"url":92},{"title":94,"description":95,"thumbnail_image":96,"publication_date":97,"views_count":98,"url":99},{"title":101,"description":102,"thumbnail_image":103,"publication_date":104,"views_count":105,"url":106},{"title":108,"description":109,"thumbnail_image":110,"publication_date":111,"views_count":112,"url":113},{"title":115,"description":116,"thumbnail_image":117,"publication_date":118,"views_count":119,"url":120},{"title":122,"description":123,"thumbnail_image":124,"publication_date":125,"views_count":126,"url":127},{"title":129,"description":130,"thumbnail_image":131,"publication_date":132,"views_count":133,"url":134},{"title":136,"description":137,"thumbnail_image":138,"publication_date":139,"views_count":140,"url":141},{"title":143,"description":144,"thumbnail_image":145,"publication_date":146,"views_count":147,"url":148},{"title":150,"description":151,"thumbnail_image":152,"publication_date":153,"views_count":154,"url":155},{"title":157,"description":158,"thumbnail_image":159,"publication_date":160,"views_count":161,"url":162},{"title":164,"description":165,"thumbnail_image":166,"publication_date":167,"views_count":168,"url":169},{"title":171,"description":172,"thumbnail_image":173,"publication_date":174,"views_count":175,"url":176},{"title":178,"description":179,"thumbnail_image":180,"publication_date":181,"views_count":182,"url":183},{"title":185,"description":186,"thumbnail_image":187,"publication_date":188,"views_count":189,"url":190},{"title":192,"description":193,"thumbnail_image":194,"publication_date":195,"views_count":196,"url":197},{"title":199,"description":200,"thumbnail_image":201,"publication_date":202,"views_count":203,"url":204},{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":941},"\u003Cpath fill=\"currentColor\" d=\"M5 19v-8.692q0-.384.172-.727t.474-.565l5.385-4.078q.423-.323.966-.323t.972.323l5.385 4.077q.303.222.474.566q.172.343.172.727V19q0 .402-.299.701T18 20h-3.384q-.344 0-.576-.232q-.232-.233-.232-.576v-4.769q0-.343-.232-.575q-.233-.233-.576-.233h-2q-.343 0-.575.233q-.233.232-.233.575v4.77q0 .343-.232.575T9.385 20H6q-.402 0-.701-.299T5 19\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":943},"\u003Cpath fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m9 18l6-6l-6-6\"\u002F>",{"left":5,"top":5,"width":945,"height":945,"rotate":5,"vFlip":7,"hFlip":7,"body":946},14,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M7 11.529c-4.33 0-6.475-4.135-6.562-4.31a.51.51 0 0 1 0-.437C.525 6.607 2.669 2.494 7 2.494s6.475 4.113 6.563 4.288a.51.51 0 0 1 0 .437c-.088.175-2.231 4.31-6.563 4.31M1.444 7c.481.81 2.363 3.544 5.556 3.544S12.075 7.81 12.557 7C12.075 6.191 10.194 3.457 7 3.457 3.807 3.457 1.925 6.19 1.444 7\"\u002F>\n    \u003Cpath fill=\"currentColor\" d=\"M7 8.86A1.86 1.86 0 0 1 5.14 7c0-1.028.832-1.86 1.86-1.86S8.86 5.973 8.86 7 8.027 8.86 7 8.86m0-2.735A.88.88 0 0 0 6.125 7c0 .481.394.875.875.875A.88.88 0 0 0 7.875 7 .88.88 0 0 0 7 6.125\"\u002F>\u003C\u002Fg>"]