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0-5.66\"\u002F>\u003C\u002Fg>",{"items":54,"total":603,"stats":604},[55,102,134,166,193,210,236,268,283,299,322,346,372,398,413,435,451,467,482,496,512,525,542,562,590],{"id":56,"programId":57,"programName":58,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":60,"maxAnnualRateInLocalCurrency":6,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":5,"maxEffectiveRateInLocalCurrency":62,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":63,"maxAmountInLocalCurrency":64,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":65,"maxLoanTermYears":66,"minDownPayment":5,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":67,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":68,"bankName":69,"bankUrl":70,"currenciesAvailable":71,"repaymentType":81,"cliType":82,"mortgageName":83,"mortgageDescription":84,"bankProductPageUrl":85,"clickoutUrl":86,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":87,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":59,"insuranceConditions":59,"documentsRequiredForApplication":88,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":90,"commissionCreditDepositInLocalCurrency":91,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":92,"feeNotarySupport":93,"feeCadastreServices":94,"feeUnifiedCertificate":95,"feeOtherExpenses":96,"creditToCollateralRatio":59,"collateralItem":97,"decisionValidityPeriod":98,"purposes":99,"immoTypes":101},137,6,"State Support Program for Energy-Efficient Renovation of Apartments and Private Houses","",9,null,16.63,500000,10000000,7,10,65,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F1677cbb4f5a331390c89cb7dd055362b.svg","Converse Bank","https:\u002F\u002Fwww.conversebank.am\u002Fen\u002F",[72],{"id":73,"code":74,"symbol":75,"local":3,"pivot":76,"translations":77},1,"AMD","֏",{"mortgage_id":56,"currency_id":73},[78],{"id":73,"currency_id":73,"locale":79,"name":80},"en-gb","Dram","Annuity and Differentiated","Fixed","Energy-efficient renovation","A mortgage loan provided under the state support program for energy-efficient renovation of apartments and individual residential houses in the Republic of Armenia.","https:\u002F\u002Fconversebank.am\u002Fen\u002Fenergaardyunavet\u002F","\u002Fgo\u002Fdeb2f2f9-e88c-428d-ba3c-316edfeeaa3f","The subsidized interest rate is 9-14%.","Identification documents of the borrower, co-borrowers and family members, \u003Cbr> Marriage, divorce, birth and death certificates, if applicable, \u003Cbr> Certificate from the place of work, \u003Cbr> Documents confirming secondary income, \u003Cbr> Certificate of ownership of the acquired property, \u003Cbr> Documents confirming the identity of the property owners and the grounds for the acquisition, \u003Cbr> Other documents at the request of the bank","Early repayment is not subject to any penalties.","5000  AMD","0,5% of the loan amount, with a minimum of 50 000 AMD","18 000 - 25 000 AMD","20 000 AMD","45 000 AMD","10 000 AMD","Collateral property insurance: 0,13-0,135% of the loan amount  minimum 2 000 AMD, \u003Cbr> Collateral rights registration at the Armenian Cadastre Committee: 27 000 AMD","Renovated property","7 business days",[100],"Renovation",[100],{"id":103,"programId":57,"programName":58,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":104,"maxAnnualRateInLocalCurrency":105,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":5,"maxEffectiveRateInLocalCurrency":106,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":107,"maxAmountInLocalCurrency":64,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":73,"maxLoanTermYears":65,"minDownPayment":5,"minApplicantAgeAtApplicationYears":108,"maxApplicantAgeAtLoanEndYears":109,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":110,"bankName":111,"bankUrl":112,"currenciesAvailable":113,"repaymentType":118,"cliType":82,"mortgageName":83,"mortgageDescription":84,"bankProductPageUrl":119,"clickoutUrl":120,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":121,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":59,"insuranceConditions":59,"documentsRequiredForApplication":122,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":123,"earlyRepaymentConditions":124,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":125,"feeNotarySupport":126,"feeCadastreServices":59,"feeUnifiedCertificate":127,"feeOtherExpenses":128,"creditToCollateralRatio":129,"collateralItem":130,"decisionValidityPeriod":131,"purposes":132,"immoTypes":133},3,13,14,10.31,1000000,21,63,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F21a8447f7086c87c1a742bdbab9d5167.svg","Byblos Bank Armenia","https:\u002F\u002Fwww.byblosbankarmenia.am\u002Fen",[114],{"id":73,"code":74,"symbol":75,"local":3,"pivot":115,"translations":116},{"mortgage_id":103,"currency_id":73},[117],{"id":73,"currency_id":73,"locale":79,"name":80},"Annuity","https:\u002F\u002Fwww.byblosbankarmenia.am\u002Fen\u002Floan\u002Fhousing-loan\u002Fhl-energy-efficient-renovation","\u002Fgo\u002Fe0c18b0a-2b10-4269-9ae7-ac5c02ed6c5e","Government-Subsidized Interest Rate:   \u003Cbr> In Yerevan – 9%   \u003Cbr> In urban areas – 11%   \u003Cbr> In rural areas – 12%   \u003Cbr> In border or high-mountain regions – 14%","A valid passport or identity card,  \u003Cbr>   Income data, \u003Cbr>   Salary certificate provided by the employer,  \u003Cbr>   Income declarations for the last 2 years,  \u003Cbr>   The unified certificate of the State Cadastre of Real Estate of the Republic of Armenia, the validity period of which at the time of notarization of the contract should not exceed 15 working days, \u003Cbr>   A certificate of ownership issued by the State Cadastre of the Republic of Armenia confirming the ownership of the seller, containing a description of the property and a drawing,  \u003Cbr>   Assessment report,  \u003Cbr>   Additional documents may be required.","3 months of uninterrupted work experience at the last place of employment, \u003Cbr> Total work experience: at least 1 year","If the amount of early repayment is less than or equal to the annual principal amount, no early repayment fee is charged. However, for early repayment within the first year of servicing, a fee of 0.6% applies; in the second year, the fee is 0.4%; and in the third year, it is 0.2%. Starting from the fourth year, no fee is charged.","15 000 - 20 000 AMD","25 000 AMD","10 300 AMD","Pledge rights registration fee 72 000 AMD","80","Renovated property or renovated property and other real estate (residential\u002Fcommercial).","3 banking days",[100],[100],{"id":135,"programId":136,"programName":137,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":66,"maxAnnualRateInLocalCurrency":104,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":5,"maxEffectiveRateInLocalCurrency":104,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":138,"maxAmountInLocalCurrency":139,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":66,"minDownPayment":73,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":67,"isPropertyInsuranceRequired":7,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":140,"bankName":141,"bankUrl":142,"currenciesAvailable":143,"repaymentType":81,"cliType":82,"mortgageName":148,"mortgageDescription":149,"bankProductPageUrl":150,"clickoutUrl":151,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":152,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":59,"insuranceConditions":59,"documentsRequiredForApplication":153,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":154,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":155,"feeNotarySupport":156,"feeCadastreServices":59,"feeUnifiedCertificate":59,"feeOtherExpenses":157,"creditToCollateralRatio":59,"collateralItem":158,"decisionValidityPeriod":159,"purposes":160,"immoTypes":165},193,5,"State Support Program for Providing Housing to Families of Displaced Persons from Nagorno-Karabakh",2000000,45000000,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F7485f49aad7c35397632a0c6d79546ac.svg","Evocabank","https:\u002F\u002Fwww.evoca.am\u002Fen",[144],{"id":73,"code":74,"symbol":75,"local":3,"pivot":145,"translations":146},{"mortgage_id":135,"currency_id":73},[147],{"id":73,"currency_id":73,"locale":79,"name":80},"Mortgage loan for families from Artsakh","A mortgage loan provided under the housing accessibility program for families forcibly displaced from certain areas of Nagorno-Karabakh for the purchase of an apartment or residential house and the construction of an individual residential house.","https:\u002F\u002Fwww.evoca.am\u002Fen\u002Floans\u002Fmortgage-loans\u002Fhousing-affordability-for-displaced-families-of-the-republic-of-artsakh\u002Fhousing-affordability-for-displaced-families-of-the-republic-of-artsakh-terms-and-conditions","\u002Fgo\u002F7b700005-894e-4679-8116-2391291adeea","The maximum subsidized percentage is 13%","Passport \u003Cbr> Social card \u003Cbr> Marriage certificate \u003Cbr> Children's birth certificate \u003Cbr> Salary information from the place of work \u003Cbr> in case of self–employment - a certificate of registration in the State Register \u003Cbr> Taxpayer's number \u003Cbr> An assessment report on the acquired property, a certificate of ownership of the property being sold or renovated, \u003Cbr> Grounds for the purchase of real estate for sale, \u003Cbr> documents required by the bank","The amount of the allowance for each family member is determined based on the place of residence chosen by the beneficiary family for the implementation of the certificate.","10 000-150 000 AMD","10 000-30 000 AMD","Pledge registration fees for real estate registration starting from 26 400 AMD, \u003Cbr> In the case of rights registration under a tripartite agreement starting from 71 400 AMD, \u003Cbr> Pledge property insurance 0,15% - 2,5% of the loan balance","Acquired property \u003Cbr> Additional real estate","2 banking days",[161,162,163,164],"New Build","Secondary Market","Construction","House",[161,162,163,164],{"id":167,"programId":103,"programName":168,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":104,"maxAnnualRateInLocalCurrency":104,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":169,"maxEffectiveRateInLocalCurrency":170,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":138,"maxAmountInLocalCurrency":171,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":66,"minDownPayment":5,"minApplicantAgeAtApplicationYears":108,"maxApplicantAgeAtLoanEndYears":67,"isPropertyInsuranceRequired":7,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":172,"bankName":173,"bankUrl":174,"currenciesAvailable":175,"repaymentType":81,"cliType":82,"mortgageName":180,"mortgageDescription":181,"bankProductPageUrl":182,"clickoutUrl":183,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":184,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":59,"insuranceConditions":59,"documentsRequiredForApplication":185,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":186,"feeNotarySupport":125,"feeCadastreServices":59,"feeUnifiedCertificate":187,"feeOtherExpenses":188,"creditToCollateralRatio":59,"collateralItem":189,"decisionValidityPeriod":190,"purposes":191,"immoTypes":192},172,"State Support Program for Ensuring Housing Affordability for Families in Border Settlements of the Republic of Armenia",0.01,0.15,21000000,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F24a4b9fa300e904787a07fb986e28ec0.svg","Unibank","https:\u002F\u002Fwww.unibank.am\u002Fen\u002F",[176],{"id":73,"code":74,"symbol":75,"local":3,"pivot":177,"translations":178},{"mortgage_id":167,"currency_id":73},[179],{"id":73,"currency_id":73,"locale":79,"name":80},"Construction in border areas","Mortgage loan provided under the program to support the construction of homes for families in border settlements of Armenia.","https:\u002F\u002Fwww.unibank.am\u002Fen\u002Fservice\u002Fmort\u002F","\u002Fgo\u002Ff89e560a-af1d-42c0-a7fb-1b95e53c032a","The subsidized payment amount is to 16,000,000 AMD, and in the case specified by the program, up to 21,000,000 AMD.","Passport or identification card, \u003Cbr> Social card, \u003Cbr> Certificate of residence, \u003Cbr> A certificate from the place of work, which necessarily indicates the position of the client, the amount of the monthly salary or the income statement \u003Cbr> If the client has his own business, the following documents are provided: the charter, a certificate from the state register of the latest amendments to the charter and a declaration of income, \u003Cbr> Other documents, \u003Cbr> If the buyer is married: passport or identification card of the spouse, marriage certificate, spouse's consent to obtain a loan, purchase of real estate and its collateral","15 000 AMD","11 500 AMD","Property insurance: 0,25% of the appraised value or loan balance, \u003Cbr> Personal insurance: 0,17% of the loan balance, \u003Cbr> State property registration fee: 54 500 – 72 500 AMD","Acquired real estate, and if necessary, a second property as well.","1 business days",[163],[163],{"id":194,"programId":136,"programName":137,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":195,"maxAnnualRateInLocalCurrency":104,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":196,"maxEffectiveRateInLocalCurrency":197,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":198,"maxAmountInLocalCurrency":199,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":66,"minDownPayment":73,"minApplicantAgeAtApplicationYears":108,"maxApplicantAgeAtLoanEndYears":67,"isPropertyInsuranceRequired":7,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":172,"bankName":173,"bankUrl":174,"currenciesAvailable":200,"repaymentType":118,"cliType":82,"mortgageName":205,"mortgageDescription":149,"bankProductPageUrl":182,"clickoutUrl":183,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":206,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":59,"insuranceConditions":59,"documentsRequiredForApplication":185,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":186,"feeNotarySupport":125,"feeCadastreServices":59,"feeUnifiedCertificate":187,"feeOtherExpenses":188,"creditToCollateralRatio":207,"collateralItem":189,"decisionValidityPeriod":190,"purposes":208,"immoTypes":209},173,8,0.02,0.5,8000000,16000000,[201],{"id":73,"code":74,"symbol":75,"local":3,"pivot":202,"translations":203},{"mortgage_id":194,"currency_id":73},[204],{"id":73,"currency_id":73,"locale":79,"name":80},"Housing for families from Nagorno-Karabakh.","The effective annual rate is lower due to government subsidies.","99",[161,162,164],[161,162,164],{"id":211,"programId":136,"programName":137,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":66,"maxAnnualRateInLocalCurrency":104,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":212,"maxEffectiveRateInLocalCurrency":136,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":61,"maxAmountInLocalCurrency":199,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":66,"minDownPayment":73,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":67,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":213,"bankName":214,"bankUrl":215,"currenciesAvailable":216,"repaymentType":221,"cliType":222,"mortgageName":205,"mortgageDescription":223,"bankProductPageUrl":224,"clickoutUrl":225,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":226,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":59,"insuranceConditions":59,"documentsRequiredForApplication":227,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":228,"feePropertyEvaluation":93,"feeNotarySupport":229,"feeCadastreServices":59,"feeUnifiedCertificate":95,"feeOtherExpenses":230,"creditToCollateralRatio":231,"collateralItem":232,"decisionValidityPeriod":233,"purposes":234,"immoTypes":235},20,2,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F6ed429768ba5572df15c18695404ae23.svg","Armeconombank","https:\u002F\u002Fwww.aeb.am\u002Fen",[217],{"id":73,"code":74,"symbol":75,"local":3,"pivot":218,"translations":219},{"mortgage_id":211,"currency_id":73},[220],{"id":73,"currency_id":73,"locale":79,"name":80},"Differentiated","Fixed \u002F Floating","A mortgage loan provided under the housing accessibility program for families forcibly displaced from certain areas of Nagorno-Karabakh for the purchase of an apartment,residential house and the construction of an individual residential house.","https:\u002F\u002Fwww.aeb.am\u002Fen\u002Findividual\u002Floans\u002Fhousing-for-forcibly-displaced-families-from-separate-regions-of-nkh","\u002Fgo\u002Ffd4cfda4-c0de-4004-bc86-954e913799d7","The subsidized interest rate is 8%.","Passport   \u003Cbr> Marriage certificate   \u003Cbr> Certificate from the place of work on an individual account statement for the last 12 months,  \u003Cbr> Social card \u003Cbr> Constituent documents of the seller,  \u003Cbr> A certificate from the seller about the apartment for sale and its cost,  \u003Cbr> Preliminary assessment of real estate","Application fee for pre-approval review: 10,000 AMD, which is subject to proportional reduction only in case of loan approval and early repayment.","16 000 AMD","Real estate mortgage registration certificate – 27 000 AMD","90","Acquired real estate, \u003Cbr>  if necessary, a second property as well.","20 business days",[161,162,163,164],[161,162,163,164],{"id":237,"programId":73,"programName":238,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":239,"maxAnnualRateInLocalCurrency":240,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":241,"maxEffectiveRateInLocalCurrency":242,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":243,"maxAmountInLocalCurrency":244,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":211,"minDownPayment":65,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":61,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":245,"bankName":246,"bankUrl":247,"currenciesAvailable":248,"repaymentType":81,"cliType":82,"mortgageName":253,"mortgageDescription":254,"bankProductPageUrl":255,"clickoutUrl":256,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":257,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":258,"insuranceConditions":59,"documentsRequiredForApplication":259,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":90,"commissionCreditDepositInLocalCurrency":260,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":261,"feeNotarySupport":262,"feeCadastreServices":59,"feeUnifiedCertificate":95,"feeOtherExpenses":263,"creditToCollateralRatio":264,"collateralItem":189,"decisionValidityPeriod":265,"purposes":266,"immoTypes":267},131,"State Target Program \"Affordable Housing for Young Families\"",6.5,7.5,2.85,8.66,3000000,27750000,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F3f374defa40890b8b3ce995f32779a4e.svg","Artsakhbank","https:\u002F\u002Fwww.artsakhbank.am\u002Fen\u002Fhome",[249],{"id":73,"code":74,"symbol":75,"local":3,"pivot":250,"translations":251},{"mortgage_id":237,"currency_id":73},[252],{"id":73,"currency_id":73,"locale":79,"name":80},"Affordable Housing for Young Families","Loans are provided for the purpose of purchasing apartments in multi-apartment buildings or private houses for primary residence in Yerevan and nearby regions .","https:\u002F\u002Fwww.artsakhbank.am\u002Fen\u002Floans\u002Fmortgage-loans\u002Fmortgage-for-young-family-programme","\u002Fgo\u002F88ea4df8-c20a-4015-b712-8a74990ff7fb","When purchasing from the secondary market, the subsidized down payment amount is 2% for purchases in Yerevan and 4% for purchases in the regions.","The combined age of the spouses must not exceed 70 Or a young single parent whose age does not exceed 35 (inclusive).","Identification documents of the borrower, co-borrower and guarantors, and the social card number \u003Cbr> The borrower's marriage certificate, child birth certificates, divorce certificates, death certificates or a certificate from the registry office confirming the absence of marriage\u003Cbr> Documents confirming the income of the borrower, co-borrower and guarantors \u003Cbr> Certificate of registration of ownership of residential real estate to be acquired and grounds for acquisition \u003Cbr> Identification documents of the owners and co-owners of real estate, \u003Cbr> A report on the evaluation of the proposed collateral or the basis for determining its value, \u003Cbr> Certificate of guarantee with the guarantor","0,5%, minimum 40 000 AMD","20 000 - 35 000 AMD","10 000 - 12 500 AMD","Collateral registration fee: 26 000 AMD","92,5","5 business days",[161,162,164],[161,162,164],{"id":269,"programId":73,"programName":238,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":65,"maxAnnualRateInLocalCurrency":240,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":270,"maxEffectiveRateInLocalCurrency":271,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":107,"maxAmountInLocalCurrency":244,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":211,"minDownPayment":65,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":61,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":68,"bankName":69,"bankUrl":70,"currenciesAvailable":272,"repaymentType":81,"cliType":82,"mortgageName":253,"mortgageDescription":277,"bankProductPageUrl":278,"clickoutUrl":279,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":257,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":258,"insuranceConditions":59,"documentsRequiredForApplication":88,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":90,"commissionCreditDepositInLocalCurrency":91,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":92,"feeNotarySupport":93,"feeCadastreServices":94,"feeUnifiedCertificate":95,"feeOtherExpenses":96,"creditToCollateralRatio":280,"collateralItem":189,"decisionValidityPeriod":98,"purposes":281,"immoTypes":282},139,3.16,11.75,[273],{"id":73,"code":74,"symbol":75,"local":3,"pivot":274,"translations":275},{"mortgage_id":269,"currency_id":73},[276],{"id":73,"currency_id":73,"locale":79,"name":80},"Loans for the acquisition of residential real estate  in the Republic of Armenia","https:\u002F\u002Fconversebank.am\u002Fen\u002Fyoung-families\u002F","\u002Fgo\u002F651a4a6d-b19b-4f29-9907-a0da978ea5fa","70",[161,162,164],[161,162,164],{"id":284,"programId":73,"programName":238,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":285,"maxAnnualRateInLocalCurrency":240,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":286,"maxEffectiveRateInLocalCurrency":287,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":107,"maxAmountInLocalCurrency":244,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":211,"minDownPayment":65,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":61,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":213,"bankName":214,"bankUrl":215,"currenciesAvailable":288,"repaymentType":81,"cliType":82,"mortgageName":293,"mortgageDescription":294,"bankProductPageUrl":295,"clickoutUrl":296,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":257,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":258,"insuranceConditions":59,"documentsRequiredForApplication":227,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":228,"feePropertyEvaluation":93,"feeNotarySupport":229,"feeCadastreServices":59,"feeUnifiedCertificate":95,"feeOtherExpenses":230,"creditToCollateralRatio":231,"collateralItem":232,"decisionValidityPeriod":233,"purposes":297,"immoTypes":298},15,6.8,3.28,9.98,[289],{"id":73,"code":74,"symbol":75,"local":3,"pivot":290,"translations":291},{"mortgage_id":284,"currency_id":73},[292],{"id":73,"currency_id":73,"locale":79,"name":80},"Housing for Young Families","Mortgage loans under the state-targeted program \"Affordable Housing for Young Families\" for the purchase of residential property.","https:\u002F\u002Fwww.aeb.am\u002Fen\u002Findividual\u002Floans\u002Fhousing-for-young-families","\u002Fgo\u002F029d21b7-1aa5-48cd-b4fc-a5c3c3703b2b",[161,162,164],[161,162,164],{"id":30,"programId":73,"programName":238,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":65,"maxAnnualRateInLocalCurrency":240,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":300,"maxEffectiveRateInLocalCurrency":301,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":64,"maxAmountInLocalCurrency":244,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":284,"minDownPayment":65,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":61,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":302,"bankName":303,"bankUrl":304,"currenciesAvailable":305,"repaymentType":81,"cliType":82,"mortgageName":310,"mortgageDescription":277,"bankProductPageUrl":311,"clickoutUrl":312,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":257,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":258,"insuranceConditions":313,"documentsRequiredForApplication":314,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":124,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":315,"commissionLoanMaintenance":59,"otherCommissions":316,"feePropertyEvaluation":186,"feeNotarySupport":59,"feeCadastreServices":59,"feeUnifiedCertificate":59,"feeOtherExpenses":317,"creditToCollateralRatio":280,"collateralItem":318,"decisionValidityPeriod":319,"purposes":320,"immoTypes":321},3.31,8.08,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F8c02f0436c0dd0bd7dcda1dcd5e9e83e.svg","ArmSwissBank","https:\u002F\u002Fwww.armswissbank.am\u002Fen\u002F",[306],{"id":73,"code":74,"symbol":75,"local":3,"pivot":307,"translations":308},{"mortgage_id":30,"currency_id":73},[309],{"id":73,"currency_id":73,"locale":79,"name":80},"Affordable housing for young families","https:\u002F\u002Fwww.armswissbank.am\u002Fen\u002Findividuals\u002Ffiz-loans\u002Fhipotek-loan\u002F","\u002Fgo\u002Fa98c10c8-b18a-4d92-a5a0-2a1551afa025","Insurance is carried out at the expense of clients.","Passport and social card, \u003Cbr> Zamshik's marriage certificate, \u003Cbr> Certificate from the place of work on debris removal and position, \u003Cbr> Movement centers for accounts with other banks over the past 12 months, \u003Cbr> Operating centers, collateral and other centers, \u003Cbr> Other documents","0,5% of the loan amount, minimum 50 000 AMD","Pledge and disability insurance due to accident - 0,3% - 0,5% of the loan amount \u003Cbr> Down payment insurance - 2-3% of the insured down payment amount \u003Cbr> Modification of the terms of the existing contract and repayment schedule - 50 000 AMD \u003Cbr> One-time fee for loan revalidation - For loans up to 50 million AMD 25 000 AMD for loans exceeding 50 million AMD 50 000 AMD but no more than the loan approval processing fee","Other necessary expenses related to pledge registration and state registration 100 000 AMD","Acquired residential real estate","10 business days",[161,162,164],[161,162,164],{"id":323,"programId":73,"programName":238,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":324,"maxAnnualRateInLocalCurrency":60,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":325,"maxEffectiveRateInLocalCurrency":326,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":107,"maxAmountInLocalCurrency":244,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":211,"minDownPayment":66,"minApplicantAgeAtApplicationYears":108,"maxApplicantAgeAtLoanEndYears":61,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":327,"bankName":328,"bankUrl":329,"currenciesAvailable":330,"repaymentType":118,"cliType":82,"mortgageName":335,"mortgageDescription":336,"bankProductPageUrl":337,"clickoutUrl":338,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":257,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":258,"insuranceConditions":339,"documentsRequiredForApplication":340,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":341,"feeNotarySupport":342,"feeCadastreServices":59,"feeUnifiedCertificate":95,"feeOtherExpenses":343,"creditToCollateralRatio":231,"collateralItem":232,"decisionValidityPeriod":159,"purposes":344,"immoTypes":345},121,7.3,3.85,12.54,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F0972e17d814615448a970c2173d71c64.svg","Fast Bank","https:\u002F\u002Fwww.fastbank.am\u002F",[331],{"id":73,"code":74,"symbol":75,"local":3,"pivot":332,"translations":333},{"mortgage_id":323,"currency_id":73},[334],{"id":73,"currency_id":73,"locale":79,"name":80},"Loans for Young Families","Acquisition of existing or under construction residential real estate for permanent residence purposes","https:\u002F\u002Fwww.fastbank.am\u002Fen\u002Findividual\u002Floans\u002Fmortgage\u002Floans-for-young-families","\u002Fgo\u002F95960225-6feb-4427-bbbf-883fa6384b6f","Insurance is provided in the amount of the outstanding loan balance in favor of the bank for the entire loan term.","Preliminary valuation report of the collateral by an independent appraiser, \u003Cbr> Borrower’s and guarantor’s identity document, public service number, \u003Cbr> Marriage ,divorce, death certificate, \u003Cbr> Children’s birth certificates, \u003Cbr> Employment certificate, \u003Cbr> Information on other sources of income, \u003Cbr> Real estate ownership certificate, ownership basis, \u003Cbr> Other documents as required by the specialist","15 000-25 000 AMD","12 000-30 000 AMD","State registration fee for rights – 26 000 – 52 000 AMD, \u003Cbr> Real estate insurance fee – 0,15% of the outstanding loan amount , \u003Cbr> Accident insurance fee – 0,15% of the outstanding loan amount , \u003Cbr> Unpaid down payment (UDP) insurance fee – 1,8-2% of the actual outstanding amount (valid until full repayment)",[161,162,164],[161,162,164],{"id":347,"programId":73,"programName":238,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":240,"maxAnnualRateInLocalCurrency":240,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":348,"maxEffectiveRateInLocalCurrency":349,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":138,"maxAmountInLocalCurrency":244,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":211,"minDownPayment":65,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":61,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":350,"bankName":351,"bankUrl":352,"currenciesAvailable":353,"repaymentType":118,"cliType":82,"mortgageName":358,"mortgageDescription":277,"bankProductPageUrl":359,"clickoutUrl":360,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":257,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":258,"insuranceConditions":361,"documentsRequiredForApplication":362,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":363,"earlyRepaymentConditions":89,"additionalConditions":364,"conditionsForNonResidents":59,"commissionRequestReview":90,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":365,"otherCommissions":366,"feePropertyEvaluation":59,"feeNotarySupport":59,"feeCadastreServices":59,"feeUnifiedCertificate":59,"feeOtherExpenses":367,"creditToCollateralRatio":264,"collateralItem":368,"decisionValidityPeriod":369,"purposes":370,"immoTypes":371},79,4.4,8.9,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F14bf34b08e70ad6dbb76b0f536826f42.svg","Ardshinbank","https:\u002F\u002Fardshinbank.am\u002F?lang=en",[354],{"id":73,"code":74,"symbol":75,"local":3,"pivot":355,"translations":356},{"mortgage_id":347,"currency_id":73},[357],{"id":73,"currency_id":73,"locale":79,"name":80},"Affordable housing for young families.","https:\u002F\u002Fardshinbank.am\u002Ffor-you\u002Fyeritasard-yntaniq?lang=en","\u002Fgo\u002Ffd865a7f-1d51-4d3f-becb-4f5a00f92053","Insurance is covered by the Bank","Identification documents of the borrower, the borrower's spouse, the co-borrower and the co-borrower's spouse, \u003Cbr> Marriage certificate \u003Cbr> Birth certificates of children, \u003Cbr> Energy passport of an object under construction when purchasing real estate on the primary market, \u003Cbr> The legal package of a non-cooperating developer, \u003Cbr> Schedule of construction works, \u003Cbr> Data on the employment of the borrower and co-borrower, \u003Cbr> Statements from the individual account of the borrower and co-borrower for the last year, issued by the tax authority, \u003Cbr> Statements from the borrower's spouse's individual account for the last year.","From 4 months","In the case of acquiring residential property owned by the bank, the mentioned interest rates are reduced by 1 percentage point","0,08% of the outstanding loan amount – monthly loan servicing fee","Application review fee for the change of co-borrowers: 15 000 AMD","27 100 - 71 200 AMD Collateral registration fee \u003Cbr> For property appraisal  obtaining a unified certificate on property restrictions  and notarial certification of collateral agreements: 40 000 - 105 000 AMD","Acquired property","7 calendar days",[161,162],[161,162],{"id":373,"programId":73,"programName":238,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":374,"maxAnnualRateInLocalCurrency":61,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":375,"maxEffectiveRateInLocalCurrency":287,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":376,"maxAmountInLocalCurrency":377,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":378,"minDownPayment":379,"minApplicantAgeAtApplicationYears":108,"maxApplicantAgeAtLoanEndYears":61,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":380,"bankName":381,"bankUrl":382,"currenciesAvailable":383,"repaymentType":118,"cliType":82,"mortgageName":253,"mortgageDescription":388,"bankProductPageUrl":389,"clickoutUrl":390,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":59,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":258,"insuranceConditions":59,"documentsRequiredForApplication":391,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":392,"otherCommissions":59,"feePropertyEvaluation":341,"feeNotarySupport":393,"feeCadastreServices":59,"feeUnifiedCertificate":394,"feeOtherExpenses":395,"creditToCollateralRatio":280,"collateralItem":158,"decisionValidityPeriod":319,"purposes":396,"immoTypes":397},39,3.8,4.46,1500000,22500000,12,30,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F1e0777c528295997caea675b3402542a.svg","Inecobank","https:\u002F\u002Fwww.inecobank.am\u002F",[384],{"id":73,"code":74,"symbol":75,"local":3,"pivot":385,"translations":386},{"mortgage_id":373,"currency_id":73},[387],{"id":73,"currency_id":73,"locale":79,"name":80},"Loan for the purchase of residential property on the secondary market.","https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\u002Fmortgage-loans\u002Fyoung-family-acquisition-yerevan\u002Fterms","\u002Fgo\u002Fcb36cb0b-a8ac-430f-b69f-4367bb0aff24","Buyer's identity document, \u003Cbr> Buyer's Public Service Number, \u003Cbr> Copy of buyer's spouse's identity document, \u003Cbr> Other documents if necessary, \u003Cbr> Preliminary property appraisal, \u003Cbr> Certificate from the buyer's workplace, \u003Cbr> Preliminary estimate in case of renovation","0,5% of the loan amount, but not less than 60 000 AMD","15 000-40 000 AMD","tо 10 000 AMD","Property ownership registration fee 45 000 AMD, \u003Cbr> Mortgage state registration fee up to 45 000 AMD",[162],[162],{"id":399,"programId":73,"programName":238,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":400,"maxAnnualRateInLocalCurrency":400,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":401,"maxEffectiveRateInLocalCurrency":402,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":403,"maxAmountInLocalCurrency":377,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":284,"minDownPayment":66,"minApplicantAgeAtApplicationYears":108,"maxApplicantAgeAtLoanEndYears":61,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":172,"bankName":173,"bankUrl":174,"currenciesAvailable":404,"repaymentType":118,"cliType":82,"mortgageName":409,"mortgageDescription":410,"bankProductPageUrl":182,"clickoutUrl":183,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":257,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":258,"insuranceConditions":59,"documentsRequiredForApplication":185,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":186,"feeNotarySupport":125,"feeCadastreServices":59,"feeUnifiedCertificate":187,"feeOtherExpenses":188,"creditToCollateralRatio":231,"collateralItem":189,"decisionValidityPeriod":190,"purposes":411,"immoTypes":412},175,8.3,4.88,7.1,5000000,[405],{"id":73,"code":74,"symbol":75,"local":3,"pivot":406,"translations":407},{"mortgage_id":399,"currency_id":73},[408],{"id":73,"currency_id":73,"locale":79,"name":80},"Apartment 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market",[162],[162],{"id":414,"programId":212,"programName":415,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":416,"maxAnnualRateInLocalCurrency":417,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":418,"maxEffectiveRateInLocalCurrency":419,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":420,"maxAmountInLocalCurrency":421,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":211,"minDownPayment":66,"minApplicantAgeAtApplicationYears":108,"maxApplicantAgeAtLoanEndYears":422,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":327,"bankName":328,"bankUrl":329,"currenciesAvailable":423,"repaymentType":118,"cliType":82,"mortgageName":428,"mortgageDescription":429,"bankProductPageUrl":430,"clickoutUrl":431,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":432,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":59,"insuranceConditions":59,"documentsRequiredForApplication":340,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":341,"feeNotarySupport":342,"feeCadastreServices":59,"feeUnifiedCertificate":95,"feeOtherExpenses":343,"creditToCollateralRatio":231,"collateralItem":232,"decisionValidityPeriod":159,"purposes":433,"immoTypes":434},116,"State Targeted Support Program \"On the Acquisition of Apartments or Residential Houses or the Construction of Residential Houses by Contracted Military Officers and Senior Warrant Officers\"",10.5,12.5,5.67,9.72,4000000,25650000,70,[424],{"id":73,"code":74,"symbol":75,"local":3,"pivot":425,"translations":426},{"mortgage_id":414,"currency_id":73},[427],{"id":73,"currency_id":73,"locale":79,"name":80},"Housing for military personnel.","A state mortgage program under which officers and senior officers of the RA Ministry of Defense system, contract military personnel of the non-commissioned officer corps, as well as employees of the NSS and PPS, can purchase an apartment or a residential house .","https:\u002F\u002Fwww.fastbank.am\u002Fen\u002Findividual\u002Floans\u002Fmortgage\u002Fmortgage-loans-for-housing-provision-of-military-servicemen","\u002Fgo\u002F0a86479e-55a4-43e6-8335-25413fcbfe15","5% is subsidized by the 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housing for military personnel","It is provided to contract servicemen of the officer and senior non-commissioned officer ranks within the framework of the state-targeted program for the acquisition of residential real estate directly from the developer.","The mortgage is available only to military personnel and requires the submission of relevant documents.","State support for the down payment is 2 500 000 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Military Personnel","Mortgage loans provided to military personnel of the officer and senior non-commissioned officer ranks of the Ministry of Defense of the Republic of Armenia, as well as those serving in the national security and state protection agencies, under the state support program for the acquisition of an apartment or a house.","https:\u002F\u002Fconversebank.am\u002Fhy\u002FConverse-Mortgage-loans\u002F","\u002Fgo\u002Ff652d977-22de-4bdc-86d3-261931fae676","The amount of state support for the down payment is 2 500 000 AMD \u003Cbr> 5 percentage points of the annual nominal interest rate are subsidized by the state",[161,162,164],[161,162,164],{"id":468,"programId":212,"programName":415,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":437,"maxAnnualRateInLocalCurrency":437,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":469,"maxEffectiveRateInLocalCurrency":470,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":243,"maxAmountInLocalCurrency":421,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":211,"minDownPayment":66,"minApplicantAgeAtApplicationYears":108,"maxApplicantAgeAtLoanEndYears":67,"isPropertyInsuranceRequired":7,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":350,"bankName":351,"bankUrl":352,"currenciesAvailable":471,"repaymentType":118,"cliType":82,"mortgageName":476,"mortgageDescription":477,"bankProductPageUrl":478,"clickoutUrl":479,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":59,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":59,"insuranceConditions":59,"documentsRequiredForApplication":362,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":363,"earlyRepaymentConditions":89,"additionalConditions":464,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":59,"feeNotarySupport":59,"feeCadastreServices":59,"feeUnifiedCertificate":59,"feeOtherExpenses":367,"creditToCollateralRatio":231,"collateralItem":368,"decisionValidityPeriod":369,"purposes":480,"immoTypes":481},77,6.3,11.6,[472],{"id":73,"code":74,"symbol":75,"local":3,"pivot":473,"translations":474},{"mortgage_id":468,"currency_id":73},[475],{"id":73,"currency_id":73,"locale":79,"name":80},"Mortgage Loan for Military Personnel","Mortgage loans provided to military personnel of the officer and senior non-commissioned officer ranks of the Ministry of Defense of the Republic of Armenia, as well as personnel of the national security and state protection agencies of Armenia, under the government assistance program for purchasing an apartment or house on the primary market.","https:\u002F\u002Fardshinbank.am\u002Ffor-you\u002Fzin\u002Fdzerqberum?lang=en","\u002Fgo\u002F1933ffb9-726f-4290-bb45-f8d5a71ed6b2",[161],[161],{"id":483,"programId":212,"programName":415,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":437,"maxAnnualRateInLocalCurrency":437,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":484,"maxEffectiveRateInLocalCurrency":485,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":107,"maxAmountInLocalCurrency":421,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":211,"minDownPayment":5,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":67,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":213,"bankName":214,"bankUrl":215,"currenciesAvailable":486,"repaymentType":118,"cliType":82,"mortgageName":491,"mortgageDescription":477,"bankProductPageUrl":492,"clickoutUrl":493,"additionalConditionsAndInformationForLoanPurpose":447,"floatingRateCalculationInLocalCurrency":432,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":59,"insuranceConditions":59,"documentsRequiredForApplication":227,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":228,"feePropertyEvaluation":93,"feeNotarySupport":229,"feeCadastreServices":59,"feeUnifiedCertificate":95,"feeOtherExpenses":230,"creditToCollateralRatio":231,"collateralItem":232,"decisionValidityPeriod":233,"purposes":494,"immoTypes":495},19,6.59,8.14,[487],{"id":73,"code":74,"symbol":75,"local":3,"pivot":488,"translations":489},{"mortgage_id":483,"currency_id":73},[490],{"id":73,"currency_id":73,"locale":79,"name":80},"Affordable housing for military personnel.","https:\u002F\u002Fwww.aeb.am\u002Fen\u002Findividual\u002Floans\u002Faffordable-housing-to-servicemen","\u002Fgo\u002F21ca8655-5ec3-467d-88a1-f970cfda24f6",[161,164],[161,164],{"id":497,"programId":212,"programName":415,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":437,"maxAnnualRateInLocalCurrency":437,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":498,"maxEffectiveRateInLocalCurrency":324,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":243,"maxAmountInLocalCurrency":421,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":211,"minDownPayment":66,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":67,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":245,"bankName":246,"bankUrl":247,"currenciesAvailable":499,"repaymentType":118,"cliType":82,"mortgageName":428,"mortgageDescription":504,"bankProductPageUrl":505,"clickoutUrl":506,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":432,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":59,"insuranceConditions":59,"documentsRequiredForApplication":259,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":507,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":508,"feeNotarySupport":509,"feeCadastreServices":59,"feeUnifiedCertificate":59,"feeOtherExpenses":263,"creditToCollateralRatio":231,"collateralItem":189,"decisionValidityPeriod":265,"purposes":510,"immoTypes":511},124,6.6,[500],{"id":73,"code":74,"symbol":75,"local":3,"pivot":501,"translations":502},{"mortgage_id":497,"currency_id":73},[503],{"id":73,"currency_id":73,"locale":79,"name":80},"Loans are provided from the funds of the \"Housing for Youth\" program for the purchase of residential real estate on the primary market in Armenia.","https:\u002F\u002Fwww.artsakhbank.am\u002Floans\u002Fmortgage-loans\u002Fmortgage-to-military-hyf","\u002Fgo\u002F301e53f9-c6fb-4a48-abb3-8855e68f8f1b","The amount of government support for the down payment is 2,500,000 AMD.","15 000 - 35 000 AMD","35 000 AMD",[161],[161],{"id":513,"programId":212,"programName":415,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":437,"maxAnnualRateInLocalCurrency":104,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":514,"maxEffectiveRateInLocalCurrency":515,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":403,"maxAmountInLocalCurrency":421,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":284,"minDownPayment":66,"minApplicantAgeAtApplicationYears":108,"maxApplicantAgeAtLoanEndYears":67,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":172,"bankName":173,"bankUrl":174,"currenciesAvailable":516,"repaymentType":118,"cliType":82,"mortgageName":428,"mortgageDescription":521,"bankProductPageUrl":182,"clickoutUrl":183,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":432,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":59,"insuranceConditions":59,"documentsRequiredForApplication":185,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":522,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":186,"feeNotarySupport":125,"feeCadastreServices":59,"feeUnifiedCertificate":187,"feeOtherExpenses":188,"creditToCollateralRatio":231,"collateralItem":189,"decisionValidityPeriod":190,"purposes":523,"immoTypes":524},171,6.66,8.61,[517],{"id":73,"code":74,"symbol":75,"local":3,"pivot":518,"translations":519},{"mortgage_id":513,"currency_id":73},[520],{"id":73,"currency_id":73,"locale":79,"name":80},"Mortgage loan for real estate construction funded by the \"National Mortgage Company.\"","The subsidized down payment amount is up to 2.5 million AMD.",[161,162,163,164],[161,162,163,164],{"id":526,"programId":73,"programName":238,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":527,"maxAnnualRateInLocalCurrency":240,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":528,"maxEffectiveRateInLocalCurrency":529,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":61,"maxAmountInLocalCurrency":530,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":284,"minDownPayment":66,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":61,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":140,"bankName":141,"bankUrl":142,"currenciesAvailable":531,"repaymentType":81,"cliType":82,"mortgageName":253,"mortgageDescription":536,"bankProductPageUrl":537,"clickoutUrl":538,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":257,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":258,"insuranceConditions":339,"documentsRequiredForApplication":153,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":155,"feeNotarySupport":156,"feeCadastreServices":59,"feeUnifiedCertificate":59,"feeOtherExpenses":157,"creditToCollateralRatio":231,"collateralItem":539,"decisionValidityPeriod":159,"purposes":540,"immoTypes":541},191,6.9,7.45,8.33,27000000,[532],{"id":73,"code":74,"symbol":75,"local":3,"pivot":533,"translations":534},{"mortgage_id":526,"currency_id":73},[535],{"id":73,"currency_id":73,"locale":79,"name":80},"Loan for young families to purchase residential property","https:\u002F\u002Fwww.evoca.am\u002Fen\u002Floans\u002Fmortgage-loans\u002Fmortgage-loans-under-affordable-housing-for-young-families-program\u002Fmortgage-loans-under-affordable-housing-for-young-families-program-terms-and-conditions","\u002Fgo\u002Fa241bd99-8f69-48d5-8c91-dc5a29922782","The acquired residential real estate or the right to purchase real estate",[161,162,164],[161,162,164],{"id":543,"programId":103,"programName":168,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":104,"maxAnnualRateInLocalCurrency":104,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":544,"maxEffectiveRateInLocalCurrency":545,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":243,"maxAmountInLocalCurrency":171,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":66,"minDownPayment":5,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":422,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":546,"bankName":547,"bankUrl":548,"currenciesAvailable":549,"repaymentType":81,"cliType":82,"mortgageName":554,"mortgageDescription":181,"bankProductPageUrl":555,"clickoutUrl":556,"additionalConditionsAndInformationForLoanPurpose":557,"floatingRateCalculationInLocalCurrency":184,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":59,"insuranceConditions":558,"documentsRequiredForApplication":559,"documentsRequiredAfterApproval":59,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":59,"additionalConditions":59,"conditionsForNonResidents":59,"commissionRequestReview":59,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":59,"otherCommissions":59,"feePropertyEvaluation":59,"feeNotarySupport":59,"feeCadastreServices":59,"feeUnifiedCertificate":59,"feeOtherExpenses":59,"creditToCollateralRatio":59,"collateralItem":158,"decisionValidityPeriod":369,"purposes":560,"immoTypes":561},84,7.52,17.21,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F9360bc349b97236c1d646dd24ff38ae5.svg","Ameriabank","https:\u002F\u002Fameriabank.am\u002Fen\u002F",[550],{"id":73,"code":74,"symbol":75,"local":3,"pivot":551,"translations":552},{"mortgage_id":543,"currency_id":73},[553],{"id":73,"currency_id":73,"locale":79,"name":80},"House construction in border areas.","https:\u002F\u002Fameriabank.am\u002Fen\u002Fcampaigns\u002Fmortgage-loan-state-assistance-programs","\u002Fgo\u002F997c9ec9-75dd-4d9e-9e24-ecb1de992d85","Мortgage is provided for the construction or continuation of residential real estate development.","The borrower has two options for insuring the property:\u003Cbr>  1. Through the bank — the bank arranges the insurance, the cost is included in the loan, and it renews automatically.\u003Cbr>  2. Through another company — the borrower chooses and arranges the insurance independently.","Identification documents, \u003Cbr> Marriage certificate, dissolution of marriage, death, birth certificate, \u003Cbr> A copy of the certificate of ownership of real estate, \u003Cbr> Other documents at the request of the bank's specialist",[163],[163],{"id":563,"programId":73,"programName":238,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":240,"maxAnnualRateInLocalCurrency":240,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":564,"maxEffectiveRateInLocalCurrency":565,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":420,"maxAmountInLocalCurrency":377,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":211,"minDownPayment":66,"minApplicantAgeAtApplicationYears":211,"maxApplicantAgeAtLoanEndYears":61,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":566,"bankName":567,"bankUrl":568,"currenciesAvailable":569,"repaymentType":118,"cliType":82,"mortgageName":293,"mortgageDescription":574,"bankProductPageUrl":575,"clickoutUrl":576,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":257,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":258,"insuranceConditions":577,"documentsRequiredForApplication":578,"documentsRequiredAfterApproval":579,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":580,"conditionsForNonResidents":59,"commissionRequestReview":90,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":581,"otherCommissions":59,"feePropertyEvaluation":582,"feeNotarySupport":583,"feeCadastreServices":584,"feeUnifiedCertificate":95,"feeOtherExpenses":585,"creditToCollateralRatio":231,"collateralItem":586,"decisionValidityPeriod":587,"purposes":588,"immoTypes":589},159,7.8,8.17,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002Fc745cc0d97ddb05bf9b93826ae2e81a0.svg","Araratbank","https:\u002F\u002Fwww.araratbank.am\u002Fen\u002F",[570],{"id":73,"code":74,"symbol":75,"local":3,"pivot":571,"translations":572},{"mortgage_id":563,"currency_id":73},[573],{"id":73,"currency_id":73,"locale":79,"name":80},"Mortgage loan for a young family to purchase residential property on the secondary market.","https:\u002F\u002Fwww.araratbank.am\u002Fen\u002Fmortgage-loans\u002F27\u002F","\u002Fgo\u002F51c05ae6-a45e-4d99-9858-fec9634232d2","Insurance in the amount of the outstanding loan is provided by the bank, with the bank as the beneficiary.","Identification documents \u003Cbr> Marriage , divorce, death certificate \u003Cbr> Identification documents of family members and co-borrowers \u003Cbr> Certificate of the actual place of residence \u003Cbr> Certificate from the tax inspectorate on the availability of an individual account \u003Cbr> Other documents at the request of the bank's credit specialist","Buyer \u003Cbr> Property insurance contracts and co-borrowers' accident insurance contracts \u003Cbr> Property appraisal report \u003Cbr> Other documents upon request by the bank's credit specialist. \u003Cbr>  Seller \u003Cbr> Certificate from the State Committee of Real Estate Cadastre on property encumbrances (Unified Certificate) \u003Cbr> Other documents upon request by the bank's credit specialist.","Clients whose total monthly net income exceeds 800 000 AMD cannot be financed \u003Cbr> Or if anyone owns another residential property (apartment, house), except when the space allocated per registered (resident) person in the given apartment\u002Fhouse is less than 18.0 sq. m \u003Cbr> Or if they do not intend to move permanently into the acquired apartment \u003Cbr> The acquisition cost of the property must not exceed 25 000 000 AMD, and at the same time, the appraised market value must not exceed 26 000 000 AMD","One-time fee for credit service, 1% of the loan amount, but not exceeding 150 000 AMD","15 000-35 000 AMD","20 000-25 000 AMD","71 000 AMD","0,15%-0,16% - Collateral insurance fee","Acquired property appraised at market value","15 business days",[162,164],[162,164],{"id":591,"programId":73,"programName":238,"programUrl":59,"programRequirements":59,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":240,"maxAnnualRateInLocalCurrency":240,"minAnnualRateInCurrency":61,"maxAnnualRateInCurrency":61,"minEffectiveRateInLocalCurrency":564,"maxEffectiveRateInLocalCurrency":592,"minEffectiveRateInCurrency":61,"maxEffectiveRateInCurrency":61,"minAmountInLocalCurrency":403,"maxAmountInLocalCurrency":244,"minAmountInCurrency":61,"maxAmountInCurrency":61,"minLoanTermYears":66,"maxLoanTermYears":211,"minDownPayment":65,"minApplicantAgeAtApplicationYears":211,"maxApplicantAgeAtLoanEndYears":61,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":566,"bankName":567,"bankUrl":568,"currenciesAvailable":593,"repaymentType":118,"cliType":82,"mortgageName":293,"mortgageDescription":598,"bankProductPageUrl":575,"clickoutUrl":576,"additionalConditionsAndInformationForLoanPurpose":59,"floatingRateCalculationInLocalCurrency":59,"floatingRateCalculationInCurrency":59,"additionalAgeConditions":258,"insuranceConditions":577,"documentsRequiredForApplication":578,"documentsRequiredAfterApproval":599,"borrowerWorkExperienceRequirements":59,"earlyRepaymentConditions":89,"additionalConditions":600,"conditionsForNonResidents":59,"commissionRequestReview":90,"commissionCreditDepositInLocalCurrency":59,"commissionLoanMaintenance":581,"otherCommissions":59,"feePropertyEvaluation":582,"feeNotarySupport":583,"feeCadastreServices":584,"feeUnifiedCertificate":95,"feeOtherExpenses":585,"creditToCollateralRatio":264,"collateralItem":586,"decisionValidityPeriod":587,"purposes":601,"immoTypes":602},160,8.09,[594],{"id":73,"code":74,"symbol":75,"local":3,"pivot":595,"translations":596},{"mortgage_id":591,"currency_id":73},[597],{"id":73,"currency_id":73,"locale":79,"name":80},"Mortgage loan for a young family to purchase residential property on the primary market.","Buyer \u003Cbr>    Property insurance contracts and co-borrowers' accident insurance contracts \u003Cbr>    Property appraisal report \u003Cbr>    Other documents upon request by the bank's credit specialist. \u003Cbr>      Seller \u003Cbr>      Legal entity: \u003Cbr>    For limited liability companies, a certificate of the company’s net assets must be requested, and for joint-stock companies, a certificate of the company’s balance sheet asset value. \u003Cbr>    Unified certificate \u003Cbr>    Other documents upon request by the bank's credit specialist. \u003Cbr>      Individual:\u003Cbr>    Unified certificate \u003Cbr>    Other documents upon request by the bank's credit specialist.","Clients whose total monthly net income exceeds 800 000 AMD cannot be financed \u003Cbr> Or if anyone owns another residential property (apartment, house), except when the space allocated per registered (resident) person in the given apartment\u002Fhouse is less than 18.0 sq. m \u003Cbr> Or if they do not intend to move permanently into the acquired apartment \u003Cbr> The acquisition cost of the property must not exceed 30 000 000 AMD, and at the same time, the appraised market value must not exceed 31 000 000 AMD",[161],[161],143,{"minInitialPayment":605,"maxAmount":606},"0.00",500000000,{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":608},"\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":610},"\u003Cpath fill=\"currentColor\" d=\"M5.616 21q-.691 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stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m11 17l-5-5l5-5m7 10l-5-5l5-5\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":618},"\u003Cpath fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m15 18l-6-6l6-6\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":620},"\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":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":622},"\u003Cpath fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m6 17l5-5l-5-5m7 10l5-5l-5-5\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":624},"\u003Cpath fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m6 9l6 6l6-6\"\u002F>",{"programsList":626,"purposesList":643,"currenciesList":657,"refinancingPurpose":663},[627,629,631,633,636,638,639,641],{"value":73,"label":628},"Affordable housing – for young families",{"value":212,"label":630},"For military personnel",{"value":103,"label":632},"For families in border areas",{"value":634,"label":635},4,"With income tax refund",{"value":136,"label":637},"For families from Nagorno-Karabakh",{"value":57,"label":83},{"value":65,"label":640},"For families with children",{"value":195,"label":642},"Not a government program",[644,645,646,647,649,650,651,653,655],{"value":73,"label":161},{"value":212,"label":162},{"value":103,"label":163},{"value":634,"label":648},"Commercial Property",{"value":136,"label":164},{"value":57,"label":100},{"value":65,"label":652},"Parking Space",{"value":195,"label":654},"From 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As of February 2026, it amounts to approximately AMD 8 trillion.Over the past four years, total lending...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F9ed42dc9799adc7ba1498f4c31c8adb5.webp","2026-02-06 11:10:00",3354,"news\u002Ffinancial-news\u002Ftotal-loan-volume-in-armenia-has-reached-a-historical-high",{"title":687,"description":688,"thumbnail_image":689,"publication_date":690,"views_count":691,"url":692},"Ardshinbank becomes the market leader by number of mortgage products in Armenia according to AFM analysis for January 2026","AFM conducted a comprehensive analysis of the Armenian mortgage market, reviewing all active mortgage products offered by the country’s commercial banks as of early 2026. The objective of the study...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F4b08c68dc530419e893a9d1e21fc0ecc.webp","2026-01-19 12:35:00",2656,"news\u002Ffinancial-news\u002Fardshinbank-becomes-the-market-leader-by-number-of-mortgage-products-in-armenia-according-to-afm-analysis-for-january-2026",{"title":694,"description":695,"thumbnail_image":696,"publication_date":697,"views_count":698,"url":699},"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...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F209a710fd5112a887639e52839968dbf.webp","2026-01-08 17:00:00",5531,"news\u002Ffinancial-news\u002Freal-estate-prices-in-armenia-continue-to-rise",{"title":701,"description":702,"thumbnail_image":703,"publication_date":704,"views_count":705,"url":706},"VTB Bank changed mortgage loan terms and conditions","VTB Bank announced an update of mortgage lending terms for real estate purchase. 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