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2H19v8h-5.192l-.4-2H7v7.5zm8.65-6.5H18V8h-5.25l-.4-2H7v6h7.25z\"\u002F>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":44},32,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"m31.4 5.4-4.7 22c-.35 1.55-1.25 1.9-2.55 1.2l-7.05-5.2-3.45 3.3c-.35.35-.7.7-1.5.7l.55-7.25L25.85 8.2c.55-.55-.15-.75-.85-.3L8.65 18.2 1.6 16.05c-1.55-.5-1.55-1.55.35-2.25l27.4-10.65c1.35-.4 2.5.3 2.05 2.25\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":46},"\u003Cdefs>\u003CclipPath id=\"a\">\u003Cpath fill=\"#fff\" d=\"M0 0h32v32H0z\"\u002F>\u003C\u002FclipPath>\u003C\u002Fdefs>\u003Cg fill=\"none\">\u003Cg clip-path=\"url(#a)\">\u003Cpath fill=\"currentColor\" d=\"M23.7 12.9h-3.8V7.8H23c.55 0 1-.4 1-1V1.5c0-.55-.4-1-1-1h-3.65c-3.95 0-6.7 2.8-6.7 6.95v5.35h-4.4c-.7 0-1.35.55-1.35 1.35v3.6c0 .7.55 1.35 1.35 1.35h4.3v11.05c0 .7.55 1.35 1.35 1.35h4.7c.3 0 .55-.15.75-.35s.35-.55.35-.85V19.15H23c.65 0 1.15-.4 1.25-1v-.1l.7-3.45c.05-.35 0-.75-.3-1.15-.1-.25-.55-.5-.95-.55\"\u002F>\u003C\u002Fg>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":48},"\u003Cg style=\"transform-origin:1.01222px 1.01222px\">\u003Cpath fill=\"currentColor\" d=\"M24.843 6.234c-1.071 0-1.875.803-1.875 1.874 0 1.07.804 1.874 1.875 1.874s1.874-.803 1.874-1.874-.803-1.874-1.874-1.874M16.408 8.643c-4.418 0-7.898 3.615-7.898 7.9s3.614 7.898 7.898 7.898 7.9-3.615 7.9-7.899-3.482-7.899-7.9-7.899m0 12.987a5.085 5.085 0 0 1-5.087-5.088 5.085 5.085 0 0 1 5.087-5.087 5.085 5.085 0 0 1 5.088 5.087 5.085 5.085 0 0 1-5.088 5.088\"\u002F>\u003Cpath fill=\"currentColor\" d=\"M22.834.343H10.116C4.627.343.343 4.627.343 9.983V22.7a9.6 9.6 0 0 0 9.64 9.639H22.7a9.6 9.6 0 0 0 9.639-9.64V9.983c.134-5.355-4.15-9.64-9.506-9.64m6.56 22.491c0 3.615-2.945 6.694-6.693 6.694H9.982c-3.615 0-6.694-2.945-6.694-6.694V10.116c0-3.615 2.946-6.694 6.694-6.694h12.719c3.614 0 6.694 2.945 6.694 6.694z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":50},"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M9.253 6.667a2.667 2.667 0 1 1-5.333-.003 2.667 2.667 0 0 1 5.333.003m.08 4.64H4V28h5.333zm8.427 0h-5.307V28h5.254v-8.76c0-4.88 6.36-5.333 6.36 0V28h5.266V17.427c0-8.227-9.413-7.92-11.626-3.88z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":52},"\u003Cg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\">\u003Ccircle cx=\"12\" cy=\"12\" r=\"10\"\u002F>\u003Cpath d=\"M14.83 14.83a4 4 0 1 1 0-5.66\"\u002F>\u003C\u002Fg>",{"currentArticle":54},{"data":55},{"id":56,"slug":57,"title":58,"description":59,"original_image":60,"thumbnail_image":61,"image_source":62,"description_source":62,"publication_date":63,"updated_at":64,"views_count":65,"category":66,"topics":69,"author":94,"banners":109,"seo":110},319,"mortgages-in-armenia-for-russian-citizens-in-2026-which-banks-offer-them-and-on-what-terms","Mortgages in Armenia for Russian Citizens in 2026: Which Banks Offer Them and on What Terms","\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">As of July 22, 2026, Russian citizens can apply for a mortgage as non-residents at AMIO Bank, Evocabank, IDBank, Fast Bank, AraratBank, Ameriabank, and Ardshinbank. Byblos Bank Armenia offers a diaspora mortgage, but eligibility should be confirmed separately for each Russian citizen. Mellat Bank also lends to non-residents but does not publish a directly comparable APR. Depending on the bank, maximum loan terms range from 15 to 30 years, while down payments are generally 20–50%. Key features include a down payment starting from 10% at Fast Bank for AMD purchases from developers, the possibility of no cash down payment at AMIO when additional property is pledged, a fixed-rate option at Evocabank, and remote processing at IDBank. Final terms depend on the applicant’s income, credit history, selected property, and source of funds. \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Who Is Considered a Non-Resident and What Mortgage Restrictions Apply\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">For mortgage lending purposes, residency status does not depend on citizenship or possession of a residence permit. A person is considered an Armenian resident if they have spent at least 183 days in the country within a 12-month period or if their center of vital interests is in Armenia. Applicants who do not meet either condition are considered non-residents. Therefore, a Russian citizen who permanently lives and earns their main income in Russia will generally apply under a non-resident mortgage program. The bank confirms the applicant’s final status based on the documents provided. \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A foreign national may own an apartment. As a general rule, the \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.arlis.am\u002Fhy\u002Facts\u002F221255\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">Land Code of Armenia\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> restricts foreign nationals from owning land, but provides exceptions, including plots attached to a home, gardening plots, and land intended for detached houses or apartment buildings. When buying a house, verify the land’s designated use and the registered rights.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Banks With Mortgage Programs for Non-Residents\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Below are publicly available programs for non-residents, foreign nationals, or members of the diaspora. Final terms are set individually.\u003C\u002Fspan>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Rates, Amounts, and Terms\u003C\u002Fstrong>\u003C\u002Fh3>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(255, 255, 255);\">Bank and Product\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(255, 255, 255);\">Amount and Term\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(255, 255, 255);\">Rate and APR\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMIO Bank — Mortgages for Non-Residents\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 5–150 million; USD\u002FEUR 10,000–250,000; 1–20 years.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">With verified income in AMD\u002FUSD\u002FEUR: 12.9\u002F8.5\u002F7.5%; without income verification: 14.5\u002F10\u002F9%. APR: AMD 13.78–22.46%; USD 8.92–17.49%; EUR 7.83–15.27%. Rate reset from month 37.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Evocabank — Mortgages for Non-Residents\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Equivalent of AMD 2–80 million; 5–15 years.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Fixed-rate option: USD 9.2–11%, APR 9.8–11.8%; EUR 8.2–10%, APR 8.7–10.7%; AMD 14–15%, APR 15.2–16.3%. A floating-rate option is also available.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">IDBank — Mortgage for the Diaspora\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 5–100 million; USD\u002FEUR 10,000–250,000; 10–20 years.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The rate is fixed for the first 6 months and floating thereafter. AMD: 13–14.5%, APR 13.83–16.80%; USD: 8.9–10.5%, APR 9.27–11.25%; EUR: 7.9–9.5%, APR 8.19–10.15%.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Fast Bank — Mortgage Loan\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 3–200 million; USD 8,000–500,000; 3–20 years.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 13.5%, APR 14.47%; USD 10%, APR 10.56%. Rate reset from month 37; cap ±3.5 percentage points.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"6\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AraratBank — Mortgages for Foreign Nationals\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">USD 10,000–200,000; detailed terms: 5–15 years.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">9.5% for the first 60 months, followed by a rate reset; APR 9.44–10.91%. The promotional section states up to 25 years—confirm any term longer than 15 years in writing.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"7\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank — Secondary Market\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">USD\u002FEUR 5,000–300,000; 5–30 years.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">For a 60-month term, the rate is fixed: USD 11.5%, APR 12.17–15.39%; EUR 9%, APR 9.42–12.45%. For 61–360 months, the rate resets from month 37; APR: USD 11.03–14.18%, EUR 8.85–11.84%; cap ±5 percentage points.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"8\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ardshinbank — Mortgages for Non-Residents\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 3–200 million; USD\u002FEUR up to 400,000; 3–20 years, with AMD loans starting at 10 years.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Floating rate. APR: AMD 14–14.9%; USD 10.1–11.3%; EUR 8.9–9.9%. Total change over the life of the agreement is capped at ±2.5 percentage points.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"9\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Byblos Bank Armenia — Diaspora Housing Loan\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">USD\u002FEUR 10,000–500,000; stated term of 1–25 years.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">First 3 years: USD 9.75%, APR 10.34–15.73%; EUR 8.75%, APR 9.24–14.55%. The formula covers only the following 12 years; confirm terms longer than 15 years with the bank.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Ch3>\u003Cbr>\u003C\u002Fh3>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Down Payments, Fees, and Restrictions\u003C\u002Fstrong>\u003C\u002Fh3>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(255, 255, 255);\">Bank\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(255, 255, 255);\">Down Payment and Costs\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(255, 255, 255);\">Key Considerations\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMIO Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">30% with income verification; 50% without. With additional collateral, no down payment is required if the combined value of the two properties is at least 150% of the loan amount and the total LTV does not exceed 70%.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Fee of 0.5%, capped at AMD 200,000; an early-repayment penalty may apply during the first 3 years. A stress-case calculation is needed for the period after 36 months.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Evocabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Down payment of 30%; LTV up to 70% of the lower of the purchase price and appraised value; annual insurance.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">No early-repayment penalty. A resident guarantor may be required. Bank-arranged insurance from the second year adds 0.2 percentage points.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">IDBank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Down payment from 20%; remote identification and application review: AMD 25,000.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Above the fee-free allowance, early-repayment penalties during the first 3 years are 0.6%, 0.4%, and 0.2%.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Fast Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD: 10% for a purchase from a developer, 20% on Yerevan’s secondary market, and 30% in the regions. USD: 30%.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">No origination fee, mandatory insurance requirement, or early-repayment penalty.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"6\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AraratBank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">LTV up to 70% with income verification and 50% without income assessment. Application fee: AMD 10,000; origination fee: 1%, capped at AMD 250,000.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">No early-repayment penalty. Because the published terms conflict on the maximum loan period, request a written calculation.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"7\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Foreign-currency LTV in Yerevan: up to 70% for 61–240 months and 60% for longer terms. Fee for non-residents: 1%, capped at AMD 1 million.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">An early-repayment penalty may apply during the first 3 years; waiving it increases the rate by 0.5 percentage points.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"8\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ardshinbank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Down payment of 35% with a partner developer and 50% with a non-partner developer or on the secondary market; LTV up to 65% and 50%, respectively.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">No early-repayment penalty. This is a separate program for non-residents, but it has a high down payment and a floating rate.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"9\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Byblos Bank Armenia\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Down payment of 30%, LTV of 70%; a reserve equal to three monthly payments must be held in the account.\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">No origination or servicing fee; insurance is included in the rate. Confirm that the program is available to you.\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Mellat Bank also publishes mortgage terms for residents and non-residents, with a term of up to 20 years. Ask the bank for a personalized key terms sheet.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What the Comparison Shows\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">When choosing a mortgage focus on three factors: \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">APR(effective rate), potential payment changes, and the required down payment\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">1. Compare the true cost.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> APR includes both interest and mandatory charges. Ask each bank to calculate the same scenario—for example, an AMD 30 million loan over 20 years. This makes the offers directly comparable.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">2. Check whether the rate can change.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> AMIO’s rate is revised after 36 months, while IDBank’s becomes variable from the seventh month. Evocabank offers a fixed-rate option, but a resident guarantor may be required, and insurance arranged through the bank adds 0.2 percentage points to the rate. Ask to see the payment both now and after any potential rate adjustment.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">3. Calculate how much money you need upfront.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Fast Bank offers down payments starting from 10% for AMD purchases from developers and 20% for properties on Yerevan’s secondary market. IDBank starts from 20%, while AMIO may finance the full purchase price if additional property is pledged.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">For example, if a property costs AMD 50 million and the loan is AMD 35 million, the LTV is 70% and the buyer contributes AMD 15 million. If the bank’s valuation is lower than the purchase price, a larger contribution may be required.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Before applying, ask each bank for four figures:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> upfront costs, the monthly payment, APR, and the total repayment amount.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What documents are needed?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Banks generally request:\u003C\u002Fspan>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">a Russian passport accepted by the bank, with an Armenian translation if required;\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">your residential address, tax identification number, and a tax-residency declaration; a residence permit, if you have one, although it is not universally required;\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">an employment contract, an employer’s income certificate, and bank statements for the period specified by the bank;\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">for sole proprietors and business owners, registration documents, tax returns, and financial statements;\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">a credit report from your country of residence and details of your outstanding debts;\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">evidence showing the source of the down payment: savings, proceeds from the sale of property, dividends, an inheritance, or another lawful source;\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">documents relating to the seller and property, the preliminary agreement, the appraisal, and evidence that the down payment was made by bank transfer.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Income earned in Russia may be accepted, but the bank may apply its own exchange rate or haircut, or request additional documents. To verify income earned abroad, it is best to provide a proof of income, bank statements, and tax documents. AMIO Bank and IDBank list these documents in their mortgage program terms. \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Opening a Bank Account and Getting a Card Before Applying for a Mortgage\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">You will need an account with the lending bank to receive and repay the loan; a card itself is optional.\u003C\u002Fspan>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Confirm that the bank will consider applicants with your passport, country of residence, and type of income.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Complete the KYC process by providing your address, tax residence, purpose for opening the account, and source of funds.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Open an account in the loan currency and, if necessary, a separate account in AMD.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Before paying the seller a deposit, test a small transfer from the bank you plan to use and check the fees and currency conversion.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Transfer the down payment through the banking system and retain documents covering the entire payment trail.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Compare the requirements in AFM’s guides to \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fafm.am\u002Fru\u002Fjournal\u002Fnon-residents\u002Fwhich-armenian-banks-are-easier-for-non-residents-to-open-an-account-in-2026\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">opening a bank account as a non-resident\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> and \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fafm.am\u002Fru\u002Fjournal\u002Fdebit-cards\u002Fbank-cards-in-armenia-for-russian-citizens-which-banks-open-accounts-and-on-what-terms-in-2026\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">bank cards for Russian citizens\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. IDBank’s stated remote identification option applies to the banking product; the real estate transaction and registration may require your physical presence or a properly executed power of attorney.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Step-by-Step Guide\u003C\u002Fstrong>\u003C\u002Fh2>\u003Col>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Set your budget in the currency of your stable income and keep a reserve equal to at least six monthly payments.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Send the same scenario to AMIO, Evocabank, and one other suitable bank, specifying the price, address, primary or secondary market, down payment, term, currency, and source of income.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Request a personalized key terms sheet showing the nominal rate, APR, LTV, fees, insurance, rate-reset formula, and early-repayment terms.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Choose a property and sign a deposit agreement only after receiving a preliminary decision, and make the deposit refundable if the bank declines the loan.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Sign the loan agreement and notarized sale agreement, then register the ownership and mortgage with the Cadastre.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Set up automatic payments and maintain your reserve in the loan currency.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Worked Example\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">An apartment costs USD 100,000, the down payment is USD 30,000, and the loan is USD 70,000 for 15 years. At Fast Bank’s current nominal rate of 10%, the annuity payment is approximately USD 752, while total interest over the full term is USD 65,400 if the rate does not change. APR, appraisal, notary, and registration costs are not included in this calculation.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Stress scenario: after three years, the rate reaches the product’s permitted level of 13.5%. The outstanding balance would be approximately USD 62,943, and the new monthly payment about USD 885. Total interest would rise to roughly USD 84,500—an increase of nearly USD 19,100. If the US dollar also appreciates by 20% against the ruble, the ruble cost of each dollar-denominated payment would likewise increase by 20%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Who a Mortgage May Suit\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A mortgage may suit someone who plans to live in Armenia or hold the property for the long term, has transparent income, a down payment of around 30%, and a financial cushion for expenses. Your chances of approval are higher if you have a stable income, no missed loan payments, and can document the source of your funds. \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">When It Is Better to Walk Away\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">It is better to postpone the purchase if the down payment would consume all your savings, your income is unstable, or your salary and loan are denominated in different currencies. Do not pay a non-refundable deposit before receiving the bank’s decision, and do not buy a house without checking the land plot.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Taxes, Risks, and Other Considerations\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Do not count on an income-tax refund for mortgage interest until you have confirmed your eligibility. The refund applies to tax assessed in Armenia on income covered by law, provided the other requirements are met. For mortgages issued after January 1, 2025, the mechanism does not apply in Yerevan; the details are set out in \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.arlis.am\u002Fen\u002Facts\u002F205620\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">Article 160 of the Tax Code of Armenia\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">If Russian currency-control legislation applies to you, the Federal Tax Service requires you to notify it of a foreign account within one month and, where applicable, submit a report on account activity by June 1. Exceptions apply, including those based on the length of time spent abroad and, subject to specified limits, accounts in EAEU member states; Armenia is an EAEU member. You should check your actual status, not citizenship alone.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Additional risks include sanctions compliance checks, an inability to transfer funds through the chosen route, and changes in interest and exchange rates. The bank may request updated documents on the source of funds and tax residence, including for information exchange under CRS.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What to Check Before Applying\u003C\u002Fstrong>\u003C\u002Fh2>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">whether your income, loan, and purchase price are denominated in the same currency;\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">whether the rate is fixed for the full term and how much it may change;\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">your personalized APR, origination fee, insurance costs, and third-party expenses;\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">whether LTV is calculated from the contract price or the appraised value;\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">whether you need a co-borrower, guarantor, residence permit, or additional collateral;\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">whether an early-repayment penalty applies during the first three years;\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">whether the deposit is refundable if the bank declines the loan.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">How to Choose the Best Option\u003C\u002Fstrong>\u003C\u002Fh2>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Fixed rate: Evocabank, provided you meet the bank’s requirements and are prepared to supply a resident guarantor if requested.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Lowest cash down payment: Fast Bank—10% for an AMD loan on a purchase from a developer; IDBank—from 20%. AMIO may waive the down payment only when additional collateral is provided.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Low initial rate: AMIO, but calculate the payment after 36 months. Longest term: Ameriabank—up to 30 years.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Large loan amount with no early-repayment penalty: Fast Bank. Ardshinbank offers another option; with Byblos, confirm both your eligibility and the terms for periods longer than 15 years.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Compare the same amount, currency, and term using the AFM calculator. Request both a base-case and stress-case calculation, along with a personalized key terms sheet.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">FAQ\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Can a Russian Citizen Get a Mortgage in Armenia Without a Residence Permit?\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Yes. AMIO Bank, Evocabank, IDBank, Fast Bank, AraratBank, Ameriabank, and Ardshinbank publish terms that allow non-residents or foreign nationals to apply; Byblos Bank Armenia has a separate program for the diaspora. Not every bank requires an Armenian residence permit. When reviewing an application, the bank will check the applicant’s documents, income, credit history, and source of funds. \u003C\u002Fspan>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What Is the Minimum Down Payment?\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The lowest cash down payment is 10% at Fast Bank for an AMD loan on a purchase from a developer; for secondary-market housing in Yerevan, the bank specifies 20%, as does IDBank. AMIO allows a zero down payment when additional collateral is provided and the LTV requirement is met. For most foreign-currency programs, a practical benchmark without additional collateral is around 30%.\u003C\u002Fspan>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Can You Get a Mortgage for an Apartment in Yerevan?\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Yes, on either the primary or secondary market. A foreign national may own an apartment. For a detached house, the legal status and cadastral designation of the land must be checked separately.\u003C\u002Fspan>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Do Banks Accept Income Earned in Russia?\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">They may. You will need documents from your employer or business, bank statements, and tax records. The bank determines how much income it will recognize and may request a co-borrower or a larger down payment.\u003C\u002Fspan>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Can the Entire Process Be Completed Remotely?\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">IDBank states that identification and the loan application can be completed remotely. However, the notarized transaction, mortgage registration, and submission of original documents may require your physical presence or a properly executed power of attorney.\u003C\u002Fspan>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Which Is Better: USD, EUR, or AMD?\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The currency of your main income is generally the safer choice. A lower rate in USD or EUR may be outweighed by movements in the ruble exchange rate. Compare the APR, rate-reset formula, and stress-case payment.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Conclusion\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Russian citizens can obtain a mortgage in Armenia without a residence permit. The right bank depends on your situation: Evocabank may suit borrowers seeking a fixed rate; AMIO may be an option if additional collateral is available; Fast Bank offers down payments starting from 10% for eligible developer purchases; and IDBank allows remote applications.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Before paying a deposit, request calculations from at least two banks and compare the APR(effective rate), upfront costs, monthly payment, and total repayment. Pay the seller’s deposit only after receiving written mortgage approval.\u003C\u002Fspan>\u003C\u002Fp>","\u002Fcontent\u002Fuploads\u002Fnews\u002F1b51bb4d-7686-4dd4-96aa-264108451e4d.webp","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F1b51bb4d-7686-4dd4-96aa-264108451e4d.webp",null,"2026-08-04 12:00:00","2026-08-26 21:49:19",1110,{"title":67,"slug":68},"Journal","journal",[70,73,76,79,82,85,88,91],{"title":71,"slug":72},"Ameriabank","ameriabank",{"title":74,"slug":75},"AMIO Bank","amio-bank",{"title":77,"slug":78},"ID Bank","id-bank",{"title":80,"slug":81},"Araratbank","araratbank",{"title":83,"slug":84},"Ardshinbank","ardshinbank",{"title":86,"slug":87},"Byblos Bank Armenia","byblos-bank-armenia",{"title":89,"slug":90},"Evocabank","evocabank",{"title":92,"slug":93},"Fast Bank","fast-bank",{"first_name":95,"last_name":96,"full_name":97,"avatar":98,"email":99,"slug":100,"company":62,"phone":62,"title":62,"description":101,"position":102,"position_description":103,"social_links":104},"Davit","Gyulnazaryan","Davit Gyulnazaryan","\u002Fcontent\u002Fuploads\u002Favatars\u002F46872e597a52a51acd0c2d71daa90e8d.webp","david.gyulnazaryann@gmail.com","davit-gyulnazaryan","\u003Cp>Financial analyst with experience in audit, financial planning, budgeting, and business analysis. His professional background includes financial reporting, forecasting, performance analysis, financial modeling, and data analytics, as well as experience working with fintech-related solutions. At AFM, he writes market analyses and financial articles, helping readers better understand financial products.\u003C\u002Fp>","Financial content writer and analyst at AFM","\u003Cp>Responsible for content planning and the creation of financial articles, market reviews, and analytical materials for AFM users\u003C\u002Fp>",[105],{"name":106,"link":107,"status":108},"linkedin","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fdavid-arshakyan\u002F",1,[],{"title":111,"description":112,"keywords":113},"Mortgages in Armenia for Russians in 2026: Banks and Terms","Which Armenian banks offer mortgages to Russians without a residence permit in 2026: rates, APR, down payments, documents, risks, and a comparison of terms.",[],{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":115},"\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":117},"\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":119,"height":119,"rotate":5,"vFlip":7,"hFlip":7,"body":120},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>"]