Mortgage Housing microloans and loans for energy-efficient renovation. from Artsakhbank

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Artsakhbank

Housing microloans and loans for energy-efficient renovation.

Relevant for 09.10.2026

Effective rate  
10.8% - 14%
Rate
10% - 12%
Amount
to 5 000 000֏
Down payment
from 0%
Term
5 - 12 years
Available for non-residents of Armenia
No

Loans are provided for the renovation of apartments and residential houses, improvement of living conditions, and renovation aimed at increasing the energy efficiency of an apartment or residential house.

Purpose
renovation
Collateral
Renovated property
Down payment
from 0%
Loan term
5 - 12 years
Loan currency
֏
Loan amount
to 5 000 000֏
Payment type
Annuity
Validity period of the decision
5 business days

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 Artsakhbank

Effective rate  

6.6% - 7.3%

Rate

11%

Amount

to 25 650 000֏

Down payment

from 10%

State program
Effective rate  

8.41% - 9.22%

Rate

12.75%

Amount

to 25 650 000֏

Down payment

from 10%

State program
Effective rate  

12.85% - 17.87%

Rate

12% - 13%

Amount

to 120 000$

Down payment

from 0%

Effective rate  

16.81% - 21.74%

Rate

15.5% - 16%

Amount

to 50 000 000֏

Down payment

from 0%