Mortgage AMIO-Refinancing from AMIO Bank

AMIO Bank

AMIO-Refinancing

Relevant for 09.10.2026

Effective rate

13.24% - 16.88%

Rate

12.5% - 14%

Amount

to 150 000 000֏

Down payment

from 0%

Term

1 - 20 years

Available for non-residents of Armenia

No

Refinancing of mortgage loans granted for the purchase or construction of real estate.
Purpose	refinancing
Refinancing	Possible. You can use this loan to transfer your mortgage from another bank.
Collateral	Acquired property
Down payment	from 0%
Loan term	1 - 20 years
Loan currency	֏
Loan amount	to 150 000 000֏
Payment type	Annuity and Differentiated

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 AMIO Bank

AMIO BankAMIO - Mortgage

Effective rate

14.47% - 20.71%

Rate

13.5% - 14.5%

Amount

to 150 000 000֏

Down payment

from 0%

AMIO BankConstruction

Effective rate

14.4% - 16.7%

Rate

13.5% - 15%

Amount

to 150 000 000֏

Down payment

from 0%

AMIO BankAMIO - Mortgage

Effective rate

14.3% - 20.8%

Rate

13.4% - 14.5%

Amount

to 150 000 000֏

Down payment

from 0%

About AMIO Bank

CB of Armenia License

№40

Phone

+374 10 59 20 20 +374 10 59 20 19 +374 60 37 25 00

Head office

48 Nalbandyan St., Yerevan 0010, Armenia

Website

On the map (142)

ATMs (112) Branches (30)

AMIO Bank 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,...