Mortgage Acquisition: Using the bank's own funds from IDBank
IDBank
Acquisition: Using the bank's own funds
Relevant for 09.10.2026
Effective rate
12.98% - 16.7%
Rate
12.25% - 14%
Amount
to 125 000 000֏
Down payment
from 0%
Term
10 - 20 years
Available for non-residents of Armenia
No
Loan for the purchase of residential real estate from the bank's own funds. | |
Purpose | new build, secondary market, house |
Collateral | Acquired real estate, if necessary, a second property as well. |
Down payment | from 0% |
Loan term | 10 - 20 years |
Loan currency | ֏ |
Loan amount | to 125 000 000֏ |
Payment type | Annuity and Differentiated |
Validity period of the decision | 30 business days |
Additional terms | Real estate cannot be purchased from an individual who is a family member of the borrower/co-borrower, specifically: the borrower’s/co-borrower’s father, mother, spouse, spouse’s parent, grandparent, sibling, child, or the spouse and children of the sibling. When obtaining a mortgage loan from the bank’s own funds, several benefits are provided, including a Rocket Line digital limit and a credit line of up to 5% of the loan amount. |
This loan can be taken under the following programs: | Not a government program |
Documents required for application: Identification document of the borrower and co-borrower Taxpayer identification number of the borrower and co-borrower or certificate of absence of the INN, Marriage,death, and Dissolution certificate Identification documents for children Certificate of ownership of real estate, Documents confirming the grounds for issuing a certificate of ownership |
Documents required after loan approval: A certificate from the State Cadastre Committee under the Government of the Republic of Armenia stating that the property has not been pledged or is not under another type of arrest Real estate valuation certificate provided by independent appraisal companies cooperating with the Bank Identity cards of property owners In the case of sellers who are legal entities, the decision of the authorized body on the sale of property, the passport of the person carrying out the transaction, the INN, the certificate of state registration of the Republic of Armenia and the charter |
Data collected and verified by AFM.
Terms apply to the bank's head office and may differ at its branches.
Other mortgage programs at IDBank
Effective rate
8.19% - 10.15%
Rate
7.9% - 9.5%
Amount
to 250 000€
Down payment
from 30%
Effective rate
9.27% - 11.25%
Rate
8.9% - 10.5%
Amount
to 250 000$
Down payment
from 30%
Effective rate
13.83% - 16.8%
Rate
13% - 14.5%
Amount
to 100 000 000֏
Down payment
from 20%
IDBankRefinancing
Effective rate
12.98% - 16.7%
Rate
from 12.95%
Amount
to 125 000 000֏
Down payment
from 0%
Effective rate
14.41% - 17.93%
Rate
13.5% - 15.5%
Amount
to 35 000 000֏
Down payment
from 0%
CB of Armenia License
№9
Head office
13 Vardanants St., Yerevan 0010, ArmeniaWebsite
idbank.amOn the map (78)
IDBank 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