Mortgage Мortgage loan for non-resident individuals from Evocabank
Evocabank
Мortgage loan for non-resident individuals
Relevant for 09.10.2026
Effective rate
9.8% - 11.8%
Rate
9.2% - 11%
Amount
to 200 000$
Down payment
from 30%
Term
5 - 15 years
Available for non-residents of Armenia
Yes
Mortgage loan for the purchase of an apartment or private house. | |
Purpose | new build, secondary market, house |
Collateral | Apartment or residential house located in Yerevan, Right to purchase in the case of acquiring an apartment from cooperating developers |
Down payment | from 30% |
Loan term | 5 - 15 years |
Loan currency | $ |
Loan amount | to 200 000$ |
Payment type | Annuity and Differentiated |
Validity period of the decision | 2 banking days |
Additional terms | The borrower deposits a down payment at the bank, which is frozen until the loan is granted, When acquiring real estate from the primary market, as proof of the down payment, the customer may present the receipt for the advance payment issued by the developer and/or advance payment agreements/contracts, The pledgor and the borrower must be the same person, The customer must provide information on the source of income |
This loan can be taken under the following programs: | Not a government program |
Documents required for application: Passport Social card Marriage certificate Children's birth certificate Salary information from the place of work in case of self–employment - a certificate of registration in the State Register Taxpayer's number An assessment report on the acquired property, a certificate of ownership of the property being sold or renovated, Grounds for the purchase of real estate for sale, documents required by the bank |
This loan is available for non-residents. |
Data collected and verified by AFM.
Terms apply to the bank's head office and may differ at its branches.
Other mortgage programs at Evocabank
EvocabankHouse construction in border areas.
Effective rate
13.8% - 14%
Rate
13%
Amount
to 21 000 000֏
Down payment
from 0%
State program
Effective rate
13%
Rate
13%
Amount
to 8 000 000֏
Down payment
from 0%
Effective rate
0% - 13%
Rate
10% - 13%
Amount
to 45 000 000֏
Down payment
from 1%
State program
Effective rate
11.9% - 14.15%
Rate
11% - 12.75%
Amount
to 25 650 000֏
Down payment
from 10%
State program
Effective rate
7.45% - 8.33%
Rate
6.9% - 7.9%
Amount
to 27 000 000֏
Down payment
from 10%
State program
Evocabank also offers:
News about mortgages
All news
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
25.04.2025 4.4k
VTB Bank changed mortgage loan terms and conditions
03.01.2025 4.3k
Citizens of Armenia will be able to pay off their loans using income tax funds
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?
24.06.2026 2k
How to Combine Several Loans into One and When It Is Beneficial
16.06.2026 2k
How to Transfer Your Loan to Another Bank to Reduce the Interest Rate or Increase the Loan Amount
27.01.2026 7.3k