Mortgage Housing for families from Nagorno-Karabakh. from Unibank
Unibank
Housing for families from Nagorno-Karabakh.
Relevant for 09.10.2026
Effective rate
0.02% - 0.5%
Rate
8% - 13%
Amount
to 16 000 000֏
Down payment
from 1%
Term
10 years
Available for non-residents of Armenia
No
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. | |
Purpose | new build, secondary market, construction, house |
Collateral | Acquired real estate, and if necessary, a second property as well. |
Down payment | from 1% |
Loan term | 10 years |
Loan currency | ֏ |
Loan amount | to 16 000 000֏ |
Payment type | Annuity |
Validity period of the decision | 1 business days |
This loan can be taken under the following programs: | State Support Program for Providing Housing to Families of Displaced Persons from Nagorno-Karabakh |
Documents required for application: Passport or identification card, Social card, Certificate of residence, 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 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, Other documents, 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 |
Data collected and verified by AFM.
Terms apply to the bank's head office and may differ at its branches.
Other mortgage programs at Unibank
UnibankRenovation
Effective rate
15.25% - 16.64%
Rate
13.8% - 14.5%
Amount
to 35 000 000֏
Down payment
from 0%
Effective rate
14.24% - 14.52%
Rate
12.9%
Amount
to 35 000 000֏
Down payment
from 0%
Effective rate
14.22% - 14.37%
Rate
12.9%
Amount
to 35 000 000֏
Down payment
from 0%
Effective rate
14.22% - 14.37%
Rate
12.9%
Amount
to 35 000 000֏
Down payment
from 10%
UnibankMortgage - Primary
Effective rate
14.2% - 14.37%
Rate
12.9% - 13.4%
Amount
to 100 000 000֏
Down payment
from 10%
Unibank 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 7.4k