Mortgage A new house from Ameriabank

Ameriabank

A new house

Relevant for 09.10.2026

Effective rate

13.23% - 13.81%

Rate

12.5%

Amount

to 150 000 000֏

Down payment

from 10%

Term

5 - 30 years

Available for non-residents of Armenia

No

Refinancing an existing mortgage loan
Refinancing	Possible. You can use this loan to transfer your mortgage from another bank.
Down payment	from 10%
Loan term	5 - 30 years
Loan currency	֏
Loan amount	to 150 000 000֏
Payment type	Annuity and Differentiated
Validity period of the decision	7 calendar days
Additional terms	The client can receive a 1% cashback, as well as a gift of the client's choice. Delonghi coffee machine, Bosch dishwasher, Dyson hairdressing accessories

Data collected and verified by AFM.

Terms apply to the bank's head office and may differ at its branches.

More details on the bank's website

Other mortgage programs at Ameriabank

AmeriabankAffordable Housing for Young Families

Effective rate

7.85% - 10.88%

Rate

7.5% - 9.5%

Amount

to 27 750 000֏

Down payment

from 7%

State program

AmeriabankFor families forcibly displaced from Nagorno-Karabakh.

Effective rate

13.91% - 14.97%

Rate

13%

Amount

to 30 000 000֏

Down payment

from 0%

State program

AmeriabankHouse construction in border areas.

Effective rate

7.52% - 17.21%

Rate

13%

Amount

to 21 000 000֏

Down payment

from 0%

State program

AmeriabankHousing for military personnel.

Effective rate

11.69% - 12.28%

Rate

11% - 12.28%

Amount

to 25 650 000֏

Down payment

from 10%

State program

AmeriabankHousing for Families with Children

Effective rate

to 18.99%

Rate

13% - 14%

Amount

to 150 000 000֏

Down payment

from 10%

About Ameriabank

CB of Armenia License

№50

Phone

+374 10 56 11 11 +374 12 56 11 11

Head office

2 Vazgen Sargsyan St., Yerevan 0010, Armenia

Website

On the map (316)

ATMs (285) Branches (31)

Ameriabank also offers:

News about mortgages

25.03.2026 3.2k

New Housing Program for Displaced Persons from Artsakh to Launch in Armenia

06.02.2026 4.7k

Total loan volume in Armenia has reached a historical high

19.01.2026 3.8k

Ardshinbank becomes the market leader by number of mortgage products in Armenia according to AFM analysis for January 2026

08.01.2026 6.8k

Real estate prices in Armenia increased by 5.5% year-on-year – Central Bank

In the third quarter of 2025, residential real estate prices in Armenia continued to rise. Compared to the same period last year, prices increased by 5.5%, while quarter-on-quarter growth amounted...

25.04.2025 4.4k

VTB Bank changed mortgage loan terms and conditions

VTB Bank announced an update of mortgage lending terms for real estate purchase. From April 25, 2025, the bank introduced a fixed interest rate and abandoned the previous range of...

03.01.2025 4.3k

Citizens of Armenia will be able to pay off their loans using income tax funds

The authorities of Armenia propose to restore the economic activity of citizens without an official income source starting February 1, 2025, by offering them support in the form of their...

Useful information about mortgages

Open AFM journal

18.08.2026 2.2k

Armenia measures for the first time which banks artificial intelligence actually "sees"

17.08.2026 1.7k

Apartment Renovation Budget: How to Calculate Costs and Avoid Unexpected Expenses

07.08.2026 3.3k

How to Choose a Mortgage with the Most Favorable Terms in Armenia in 2026?

How to Combine Several Loans into One and When It Is Beneficial

Managing several loans at the same time can become difficult. A borrower may have a consumer loan in one bank, a credit line in another, and a mortgage or secured...

How to Transfer Your Loan to Another Bank to Reduce the Interest Rate or Increase the Loan Amount

Many borrowers in Armenia continue repaying loans under the same conditions for years, even when the market changes and other banks start offering better terms. In some cases, another bank...

27.01.2026 7.3k

What Types of Loans Are Available in Armenia in 2026: Products, Rates, and Terms

The lending market in Armenia remains stable and well-segmented. Banks offer dozens of credit products, while loan terms vary significantly depending on the purpose of the loan, its maturity, currency,...