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государственной поддержки по обеспечению жильем семей вынужденных переселенцев из Нагорного Карабаха","https:\u002F\u002Fafm.am\u002Fru\u002Fnews\u002Fipoteka\u002Fipotechnaya-programma-dlya-semej-pereselencev-iz-arcaha-kak-poluchit-zhile-s-gospodderzhkoj","",10,13,null,2000000,45000000,1,65,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F7485f49aad7c35397632a0c6d79546ac.svg","Evocabank","https:\u002F\u002Fwww.evoca.am\u002Fen",[72],{"id":66,"code":73,"symbol":74,"local":3,"pivot":75,"translations":76},"AMD","֏",{"mortgage_id":56,"currency_id":66},[77],{"id":78,"currency_id":66,"locale":79,"name":80},3,"ru-ru","Драм","Аннуитетный и Дифференцированный","Фиксированная","Ипотечный кредит семьям из Арцаха","Ипотечный кредит, предоставляемый в рамках программы обеспечения доступности жилья для семей, насильственно перемещенных из отдельных районов Нагорного Карабаха, для приобретения квартиры или жилого дома и строительства индивидуального жилого дома","https:\u002F\u002Fwww.evoca.am\u002Fru\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\u002F59ad86eb-7e66-494d-b9c2-a407b7f8d836","Максимальный субсидируемый процент 13%","Удостоверение личности \u003Cbr> Социальная карта \u003Cbr> Свидетельство о браке \u003Cbr> Свидетельство о рождении  детей \u003Cbr> Информация о  заработной плате с места работы \u003Cbr> в случае самозанятости – свидетельство о регистрации в Государственном реестре \u003Cbr> Номер налогоплательщика  \u003Cbr> Отчет об оценке приобретаемой недвижимости, свидетельство о праве собственности на продаваемую или ремонтируемую недвижимость, \u003Cbr> Основания для приобретения продаваемой недвижимости, \u003Cbr> документы, требуемые банком","Досрочное погашение осуществляется без штрафных санкций.","Размер пособия на каждого члена семьи 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жилье","Строительство","Дом",[97,98,99,100],{"id":78,"programId":103,"programName":104,"programUrl":60,"programRequirements":60,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":62,"maxAnnualRateInLocalCurrency":105,"minAnnualRateInCurrency":63,"maxAnnualRateInCurrency":63,"minEffectiveRateInLocalCurrency":5,"maxEffectiveRateInLocalCurrency":106,"minEffectiveRateInCurrency":63,"maxEffectiveRateInCurrency":63,"minAmountInLocalCurrency":107,"maxAmountInLocalCurrency":108,"minAmountInCurrency":63,"maxAmountInCurrency":63,"minLoanTermYears":66,"maxLoanTermYears":109,"minDownPayment":5,"minApplicantAgeAtApplicationYears":110,"maxApplicantAgeAtLoanEndYears":111,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":112,"bankName":113,"bankUrl":114,"currenciesAvailable":115,"repaymentType":120,"cliType":82,"mortgageName":121,"mortgageDescription":122,"bankProductPageUrl":123,"clickoutUrl":124,"additionalConditionsAndInformationForLoanPurpose":60,"floatingRateCalculationInLocalCurrency":125,"floatingRateCalculationInCurrency":60,"additionalAgeConditions":60,"insuranceConditions":60,"documentsRequiredForApplication":126,"documentsRequiredAfterApproval":60,"borrowerWorkExperienceRequirements":127,"earlyRepaymentConditions":128,"additionalConditions":60,"conditionsForNonResidents":60,"commissionRequestReview":60,"commissionCreditDepositInLocalCurrency":60,"commissionLoanMaintenance":60,"otherCommissions":60,"feePropertyEvaluation":129,"feeNotarySupport":130,"feeCadastreServices":60,"feeUnifiedCertificate":131,"feeOtherExpenses":132,"creditToCollateralRatio":133,"collateralItem":134,"decisionValidityPeriod":135,"purposes":136,"immoTypes":138},6,"Программа государственной поддержки энергоэффективного ремонта квартир и частных домов",14,10.31,1000000,10000000,7,21,63,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F21a8447f7086c87c1a742bdbab9d5167.svg","Byblos Bank Armenia","https:\u002F\u002Fwww.byblosbankarmenia.am\u002Fen",[116],{"id":66,"code":73,"symbol":74,"local":3,"pivot":117,"translations":118},{"mortgage_id":78,"currency_id":66},[119],{"id":78,"currency_id":66,"locale":79,"name":80},"Аннуитетный","Энергоэффективный ремонт","Ипотечный кредит, предоставляемый в рамках государственной поддержки работ по энергоэффективному ремонту квартир и индивидуальных жилых домов на территории РА","https:\u002F\u002Fwww.byblosbankarmenia.am\u002Fen\u002Floan\u002Fhousing-loan\u002Fhl-energy-efficient-renovation","\u002Fgo\u002Fe0c18b0a-2b10-4269-9ae7-ac5c02ed6c5e","Процентная ставка, субсидируемая государством : \u003Cbr> В городе Ереван – 9% \u003Cbr>  В городских районах– 11% \u003Cbr>  В сельских районах – 12% \u003Cbr>  В приграничных или высокогорных районах– 14%","Действующий паспорт или удостоверение личности, \u003Cbr>   Данные о доходах, \u003Cbr>   Справка о заработной плате, предоставленная работодателем, \u003Cbr>   Декларации о доходах за последние 2 года, \u003Cbr>   Единая справка Государственного кадастра недвижимости РА, срок действия которой на момент нотариального заверения договора не должен превышать 15 рабочих дней, \u003Cbr>   Свидетельство о собственности, выданное Государственным кадастром РА, подтверждающее право собственности продавца, содержащее описание недвижимости и чертеж, \u003Cbr>   Оценочный отчет, \u003Cbr>   Могут потребоваться дополнительные документы.","3 месяца непрерывного опыта работы на последнем месте работы, \u003Cbr> Общий стаж работы: не менее 1 года","Если сумма досрочного погашения меньше или равна годовой материнской сумме, комиссия за досрочное погашение не взимается. Однако при досрочном погашении в первый год обслуживания комиссия составит 0,6%, во второй год — 0,4%, в третий год — 0,2%. Начиная с четвертого года комиссия не взимается.","15 000 - 20 000 AMD","25 000 AMD","10 300 AMD","Плата за регистрацию права залога 72 000 AMD","80","Ремонтируемая недвижимость или Ремонтируемая недвижимость и другая недвижимость (жилая\u002Fобщественная)","3 банковских 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Bank","https:\u002F\u002Fwww.conversebank.am\u002Fen\u002F",[148],{"id":66,"code":73,"symbol":74,"local":3,"pivot":149,"translations":150},{"mortgage_id":140,"currency_id":66},[151],{"id":78,"currency_id":66,"locale":79,"name":80},"https:\u002F\u002Fconversebank.am\u002Fru\u002Fenergaardyunavet\u002F","\u002Fgo\u002F354026c3-58b0-43c6-b036-9e2ecfc62223","Субсидируемый процент 9-14%","Документы, удостоверяющие личность заемщика, созаемщиков и членов семьи, \u003Cbr> Свидетельства о браке, разводе, рождении и смерти, если применимо, \u003Cbr> Справка с места работы, \u003Cbr> Документы, подтверждающие вторичный доход, \u003Cbr> Свидетельство о праве собственности на приобретаемую недвижимость, \u003Cbr> Документы, удостоверяющие личность владельцев недвижимости и основания для приобретения, \u003Cbr> Другие документы по запросу банка","5000  AMD","0,5% от суммы кредита, минимум 50 000 AMD","18 000 - 25 000 AMD","20 000 AMD","45 000 AMD","10 000 AMD","Страхование залога: 0,13-0,135% от суммы кредита  минимум 2 000 AMD,\u003Cbr> Регистрация прав залога в Комитете кадастра Армении: 27 000 драм","Ремонтируемая недвижимость","7 рабочих дней",[137],[137],{"id":168,"programId":78,"programName":169,"programUrl":60,"programRequirements":60,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":62,"maxAnnualRateInLocalCurrency":62,"minAnnualRateInCurrency":63,"maxAnnualRateInCurrency":63,"minEffectiveRateInLocalCurrency":170,"maxEffectiveRateInLocalCurrency":171,"minEffectiveRateInCurrency":63,"maxEffectiveRateInCurrency":63,"minAmountInLocalCurrency":64,"maxAmountInLocalCurrency":172,"minAmountInCurrency":63,"maxAmountInCurrency":63,"minLoanTermYears":61,"maxLoanTermYears":61,"minDownPayment":5,"minApplicantAgeAtApplicationYears":110,"maxApplicantAgeAtLoanEndYears":67,"isPropertyInsuranceRequired":7,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":173,"bankName":174,"bankUrl":175,"currenciesAvailable":176,"repaymentType":81,"cliType":82,"mortgageName":181,"mortgageDescription":182,"bankProductPageUrl":183,"clickoutUrl":184,"additionalConditionsAndInformationForLoanPurpose":60,"floatingRateCalculationInLocalCurrency":185,"floatingRateCalculationInCurrency":60,"additionalAgeConditions":60,"insuranceConditions":60,"documentsRequiredForApplication":186,"documentsRequiredAfterApproval":60,"borrowerWorkExperienceRequirements":60,"earlyRepaymentConditions":89,"additionalConditions":60,"conditionsForNonResidents":60,"commissionRequestReview":60,"commissionCreditDepositInLocalCurrency":60,"commissionLoanMaintenance":60,"otherCommissions":60,"feePropertyEvaluation":187,"feeNotarySupport":129,"feeCadastreServices":60,"feeUnifiedCertificate":188,"feeOtherExpenses":189,"creditToCollateralRatio":60,"collateralItem":190,"decisionValidityPeriod":191,"purposes":192,"immoTypes":193},172,"Программа государственной поддержки по обеспечению доступности жилья для семей в приграничных населенных пунктах Республики Армения",0.01,0.15,21000000,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F24a4b9fa300e904787a07fb986e28ec0.svg","Unibank","https:\u002F\u002Fwww.unibank.am\u002Fen\u002F",[177],{"id":66,"code":73,"symbol":74,"local":3,"pivot":178,"translations":179},{"mortgage_id":168,"currency_id":66},[180],{"id":78,"currency_id":66,"locale":79,"name":80},"Строительство в приграничных районах","Ипотечный кредит, предоставляемый в рамках программы содействия в обеспечении строительства дома для семей в приграничных  населенных пунктах Армении","https:\u002F\u002Fwww.unibank.am\u002Fru\u002Fservice\u002Fmort\u002F","\u002Fgo\u002Fd1349f06-26aa-4fc3-af83-25bc660ee812","Сумма субсидируемого платежа lдо 16 000 000 драмов, а случае, предусмотренном программой, до 21 000 000 драмов","Паспорт или идентификационная карта, \u003Cbr> Социальная карта, \u003Cbr> Справка о месте жительства, \u003Cbr> Справка с места работы, в которой обязательно указывается должность клиента, размер месячной заработной платы или декларация о доходах \u003Cbr> Если клиент имеет собственный бизнес, то предоставляются следующие документы: устав, справка из государственного реестра о последних изменениях в уставе и декларация о доходах, \u003Cbr> Другие документы, \u003Cbr> Если покупатель состоит в браке: паспорт или идентификационная карта супруга, свидетельство о браке, согласие супруга на получение кредита, покупку недвижимости и ее залог","15 000 AMD","11 500 AMD","Страхование имущества: 0,25% от оценочной стоимости или остатка кредита, \u003Cbr> Личное страхование: 0,17% от остатка кредита, \u003Cbr> Государственная регистрация имущества: 54 500 – 72 500 AMD","Приобретаемая недвижимость, а при необходимости также второе имущество.","1 рабочий день",[99],[99],{"id":195,"programId":57,"programName":58,"programUrl":59,"programRequirements":60,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":196,"maxAnnualRateInLocalCurrency":62,"minAnnualRateInCurrency":63,"maxAnnualRateInCurrency":63,"minEffectiveRateInLocalCurrency":197,"maxEffectiveRateInLocalCurrency":198,"minEffectiveRateInCurrency":63,"maxEffectiveRateInCurrency":63,"minAmountInLocalCurrency":199,"maxAmountInLocalCurrency":200,"minAmountInCurrency":63,"maxAmountInCurrency":63,"minLoanTermYears":61,"maxLoanTermYears":61,"minDownPayment":66,"minApplicantAgeAtApplicationYears":110,"maxApplicantAgeAtLoanEndYears":67,"isPropertyInsuranceRequired":7,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":173,"bankName":174,"bankUrl":175,"currenciesAvailable":201,"repaymentType":120,"cliType":82,"mortgageName":206,"mortgageDescription":84,"bankProductPageUrl":183,"clickoutUrl":184,"additionalConditionsAndInformationForLoanPurpose":60,"floatingRateCalculationInLocalCurrency":207,"floatingRateCalculationInCurrency":60,"additionalAgeConditions":60,"insuranceConditions":60,"documentsRequiredForApplication":186,"documentsRequiredAfterApproval":60,"borrowerWorkExperienceRequirements":60,"earlyRepaymentConditions":89,"additionalConditions":60,"conditionsForNonResidents":60,"commissionRequestReview":60,"commissionCreditDepositInLocalCurrency":60,"commissionLoanMaintenance":60,"otherCommissions":60,"feePropertyEvaluation":187,"feeNotarySupport":129,"feeCadastreServices":60,"feeUnifiedCertificate":188,"feeOtherExpenses":189,"creditToCollateralRatio":208,"collateralItem":190,"decisionValidityPeriod":191,"purposes":209,"immoTypes":210},173,8,0.02,0.5,8000000,16000000,[202],{"id":66,"code":73,"symbol":74,"local":3,"pivot":203,"translations":204},{"mortgage_id":195,"currency_id":66},[205],{"id":78,"currency_id":66,"locale":79,"name":80},"Жилье семьям из Нагорного Карабаха","Эффективная годовая ставка ниже за счет субсидии со стороны государства","99",[97,98,100],[97,98,100],{"id":212,"programId":57,"programName":58,"programUrl":59,"programRequirements":60,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":61,"maxAnnualRateInLocalCurrency":62,"minAnnualRateInCurrency":63,"maxAnnualRateInCurrency":63,"minEffectiveRateInLocalCurrency":213,"maxEffectiveRateInLocalCurrency":57,"minEffectiveRateInCurrency":63,"maxEffectiveRateInCurrency":63,"minAmountInLocalCurrency":63,"maxAmountInLocalCurrency":200,"minAmountInCurrency":63,"maxAmountInCurrency":63,"minLoanTermYears":61,"maxLoanTermYears":61,"minDownPayment":66,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":67,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":214,"bankName":215,"bankUrl":216,"currenciesAvailable":217,"repaymentType":222,"cliType":223,"mortgageName":206,"mortgageDescription":224,"bankProductPageUrl":225,"clickoutUrl":226,"additionalConditionsAndInformationForLoanPurpose":60,"floatingRateCalculationInLocalCurrency":227,"floatingRateCalculationInCurrency":60,"additionalAgeConditions":60,"insuranceConditions":60,"documentsRequiredForApplication":228,"documentsRequiredAfterApproval":60,"borrowerWorkExperienceRequirements":60,"earlyRepaymentConditions":89,"additionalConditions":60,"conditionsForNonResidents":60,"commissionRequestReview":60,"commissionCreditDepositInLocalCurrency":60,"commissionLoanMaintenance":60,"otherCommissions":229,"feePropertyEvaluation":159,"feeNotarySupport":230,"feeCadastreServices":60,"feeUnifiedCertificate":161,"feeOtherExpenses":231,"creditToCollateralRatio":232,"collateralItem":233,"decisionValidityPeriod":234,"purposes":235,"immoTypes":236},20,2,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F6ed429768ba5572df15c18695404ae23.svg","Armeconombank","https:\u002F\u002Fwww.aeb.am\u002Fen",[218],{"id":66,"code":73,"symbol":74,"local":3,"pivot":219,"translations":220},{"mortgage_id":212,"currency_id":66},[221],{"id":78,"currency_id":66,"locale":79,"name":80},"Дифференцированный","Фиксированная \u002F Плавающая","Ипотечный кредит, предоставляемый в рамках программы обеспечения доступности жилья для семей, насильственно перемещенных из отдельных районов Нагорного Карабаха, для приобретения квартиры,жилого дома и строительства индивидуального жилого дома","https:\u002F\u002Fwww.aeb.am\u002Fen\u002Findividual\u002Floans\u002Fhousing-for-forcibly-displaced-families-from-separate-regions-of-nkh","\u002Fgo\u002Ffd4cfda4-c0de-4004-bc86-954e913799d7","Субсидируемый процент 8%","Паспорт \u003Cbr> Свидетельство о браке  \u003Cbr> Справка с места работы о выписке с индивидуального счета за последние 12 месяцев, \u003Cbr> Социальная карта \u003Cbr> Учредительные документы продавца, \u003Cbr> Справка от продавца о продаваемой квартире и ее стоимости, \u003Cbr> Предварительная оценка недвижимости","Плата за рассмотрение заявки на предварительное одобрение: 10 000 AMD, которая подлежит пропорциональному уменьшению только в случае одобрения кредита и досрочного погашения","16 000 AMD","Свидетельство о регистрации права залога на недвижимость – 27 000 AMD","90","Приобретаемая недвижимость, \u003Cbr>  при необходимости также второе имущество.","20 рабочих дней",[97,98,99,100],[97,98,99,100],{"id":238,"programId":66,"programName":239,"programUrl":60,"programRequirements":60,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":240,"maxAnnualRateInLocalCurrency":241,"minAnnualRateInCurrency":63,"maxAnnualRateInCurrency":63,"minEffectiveRateInLocalCurrency":242,"maxEffectiveRateInLocalCurrency":243,"minEffectiveRateInCurrency":63,"maxEffectiveRateInCurrency":63,"minAmountInLocalCurrency":244,"maxAmountInLocalCurrency":245,"minAmountInCurrency":63,"maxAmountInCurrency":63,"minLoanTermYears":61,"maxLoanTermYears":212,"minDownPayment":109,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":63,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":246,"bankName":247,"bankUrl":248,"currenciesAvailable":249,"repaymentType":81,"cliType":82,"mortgageName":254,"mortgageDescription":255,"bankProductPageUrl":256,"clickoutUrl":257,"additionalConditionsAndInformationForLoanPurpose":60,"floatingRateCalculationInLocalCurrency":258,"floatingRateCalculationInCurrency":60,"additionalAgeConditions":259,"insuranceConditions":60,"documentsRequiredForApplication":260,"documentsRequiredAfterApproval":60,"borrowerWorkExperienceRequirements":60,"earlyRepaymentConditions":89,"additionalConditions":60,"conditionsForNonResidents":60,"commissionRequestReview":156,"commissionCreditDepositInLocalCurrency":261,"commissionLoanMaintenance":60,"otherCommissions":60,"feePropertyEvaluation":262,"feeNotarySupport":263,"feeCadastreServices":60,"feeUnifiedCertificate":161,"feeOtherExpenses":264,"creditToCollateralRatio":265,"collateralItem":190,"decisionValidityPeriod":266,"purposes":267,"immoTypes":268},131,"Государственная целевая программа «Доступное жилье — молодой семье»",6.5,7.5,2.85,8.66,3000000,27750000,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F3f374defa40890b8b3ce995f32779a4e.svg","Artsakhbank","https:\u002F\u002Fwww.artsakhbank.am\u002Fen\u002Fhome",[250],{"id":66,"code":73,"symbol":74,"local":3,"pivot":251,"translations":252},{"mortgage_id":238,"currency_id":66},[253],{"id":78,"currency_id":66,"locale":79,"name":80},"Доступное жилье для молодой семьи","Кредиты предоставляются для приобретения квартир в многоквартирных домах или частных домов для основного места жительства в городе Ереван и прилегающих регионах","https:\u002F\u002Fwww.artsakhbank.am\u002Fru\u002Floans\u002Fmortgage-loans\u002Fmortgage-for-young-family-programme","\u002Fgo\u002Fb4750205-f63c-477c-9f05-3b8bdb2321d7","При покупке со вторичного рынка субсидируемая сумма авансового платежа в случае приобретения из Еревана - 2%, в случае приобретения из регионов- 4%","Совокупный возраст супругов не должен превышать 70 лет,  либо молодой родитель одиночка, возраст которого не превышает 35 (включительно) лет","Документы, удостоверяющие личность заемщика, созаемщика и поручителей , и номер социальной карты \u003Cbr> Свидетельство о браке заемщика, свидетельства о рождении детей, о разводе,  свидетельство о смерти или справка из ЗАГСа об отсутствии брака\u003Cbr> Документы, подтверждающие доход заемщика, созаемщика и поручителей  \u003Cbr> Свидетельство о регистрации права собственности на приобретаемую жилую недвижимость и основания приобретения \u003Cbr> Документы, удостоверяющие личность владельцев и совладельцев недвижимости, \u003Cbr> Отчет об оценке предлагаемого залога или основания для определения его стоимости, \u003Cbr> Сертификат гарантии при поручителе","0,5%, минимум 40 000 AMD","20 000 - 35 000 AMD","10 000 - 12 500 AMD","Плата за регистрацию права залога: 26 000 AMD, \u003Cbr>","92,5","5 рабочих дней",[97,98,100],[97,98,100],{"id":270,"programId":66,"programName":239,"programUrl":60,"programRequirements":60,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":109,"maxAnnualRateInLocalCurrency":241,"minAnnualRateInCurrency":63,"maxAnnualRateInCurrency":63,"minEffectiveRateInLocalCurrency":271,"maxEffectiveRateInLocalCurrency":272,"minEffectiveRateInCurrency":63,"maxEffectiveRateInCurrency":63,"minAmountInLocalCurrency":107,"maxAmountInLocalCurrency":245,"minAmountInCurrency":63,"maxAmountInCurrency":63,"minLoanTermYears":61,"maxLoanTermYears":212,"minDownPayment":109,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":63,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":144,"bankName":145,"bankUrl":146,"currenciesAvailable":273,"repaymentType":81,"cliType":82,"mortgageName":278,"mortgageDescription":279,"bankProductPageUrl":280,"clickoutUrl":281,"additionalConditionsAndInformationForLoanPurpose":60,"floatingRateCalculationInLocalCurrency":258,"floatingRateCalculationInCurrency":60,"additionalAgeConditions":259,"insuranceConditions":60,"documentsRequiredForApplication":155,"documentsRequiredAfterApproval":60,"borrowerWorkExperienceRequirements":60,"earlyRepaymentConditions":89,"additionalConditions":60,"conditionsForNonResidents":60,"commissionRequestReview":156,"commissionCreditDepositInLocalCurrency":157,"commissionLoanMaintenance":60,"otherCommissions":60,"feePropertyEvaluation":158,"feeNotarySupport":159,"feeCadastreServices":160,"feeUnifiedCertificate":161,"feeOtherExpenses":162,"creditToCollateralRatio":282,"collateralItem":190,"decisionValidityPeriod":164,"purposes":283,"immoTypes":284},139,3.16,11.75,[274],{"id":66,"code":73,"symbol":74,"local":3,"pivot":275,"translations":276},{"mortgage_id":270,"currency_id":66},[277],{"id":78,"currency_id":66,"locale":79,"name":80},"Доступное 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Армения","https:\u002F\u002Fconversebank.am\u002Fru\u002Fyoung-families\u002F","\u002Fgo\u002F3db897cc-4704-4e92-ae7f-f4c87d7bb816","70",[97,98,100],[97,98,100],{"id":286,"programId":66,"programName":239,"programUrl":60,"programRequirements":60,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":287,"maxAnnualRateInLocalCurrency":241,"minAnnualRateInCurrency":63,"maxAnnualRateInCurrency":63,"minEffectiveRateInLocalCurrency":288,"maxEffectiveRateInLocalCurrency":289,"minEffectiveRateInCurrency":63,"maxEffectiveRateInCurrency":63,"minAmountInLocalCurrency":107,"maxAmountInLocalCurrency":245,"minAmountInCurrency":63,"maxAmountInCurrency":63,"minLoanTermYears":61,"maxLoanTermYears":212,"minDownPayment":109,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":63,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":214,"bankName":215,"bankUrl":216,"currenciesAvailable":290,"repaymentType":81,"cliType":82,"mortgageName":295,"mortgageDescription":296,"bankProductPageUrl":297,"clickoutUrl":298,"additionalConditionsAndInformationForLoanPurpose":60,"floatingRateCalculationInLocalCurrency":258,"floatingRateCalculationInCurrency":60,"additionalAgeConditions":259,"insuranceConditions":60,"documentsRequiredForApplication":228,"documentsRequiredAfterApproval":60,"borrowerWorkExperienceRequirements":60,"earlyRepaymentConditions":89,"additionalConditions":60,"conditionsForNonResidents":60,"commissionRequestReview":60,"commissionCreditDepositInLocalCurrency":60,"commissionLoanMaintenance":60,"otherCommissions":229,"feePropertyEvaluation":159,"feeNotarySupport":230,"feeCadastreServices":60,"feeUnifiedCertificate":161,"feeOtherExpenses":231,"creditToCollateralRatio":232,"collateralItem":233,"decisionValidityPeriod":234,"purposes":299,"immoTypes":300},15,6.8,3.28,9.98,[291],{"id":66,"code":73,"symbol":74,"local":3,"pivot":292,"translations":293},{"mortgage_id":286,"currency_id":66},[294],{"id":78,"currency_id":66,"locale":79,"name":80},"Жилье 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недвижимости","https:\u002F\u002Fwww.aeb.am\u002Fen\u002Findividual\u002Floans\u002Fhousing-for-young-families","\u002Fgo\u002F029d21b7-1aa5-48cd-b4fc-a5c3c3703b2b",[97,98,100],[97,98,100],{"id":30,"programId":66,"programName":239,"programUrl":60,"programRequirements":60,"canCreditBeUsedForRefinancing":7,"minAnnualRateInLocalCurrency":109,"maxAnnualRateInLocalCurrency":241,"minAnnualRateInCurrency":63,"maxAnnualRateInCurrency":63,"minEffectiveRateInLocalCurrency":302,"maxEffectiveRateInLocalCurrency":303,"minEffectiveRateInCurrency":63,"maxEffectiveRateInCurrency":63,"minAmountInLocalCurrency":108,"maxAmountInLocalCurrency":245,"minAmountInCurrency":63,"maxAmountInCurrency":63,"minLoanTermYears":61,"maxLoanTermYears":286,"minDownPayment":109,"minApplicantAgeAtApplicationYears":6,"maxApplicantAgeAtLoanEndYears":63,"isPropertyInsuranceRequired":3,"isLifeInsuranceRequired":7,"isTitleInsuranceRequired":7,"isAvailableForNonResidents":7,"bankLogo":304,"bankName":305,"bankUrl":306,"currenciesAvailable":307,"repaymentType":81,"cliType":82,"mortgageName":278,"mortgageDescription":279,"bankProductPageUrl":312,"clickoutUrl":313,"additionalConditionsAndInformationForLoanPurpose":60,"floatingRateCalculationInLocalCurrency":258,"floatingRateCalculationInCurrency":60,"additionalAgeConditions":259,"insuranceConditions":314,"documentsRequiredForApplication":315,"documentsRequiredAfterApproval":60,"borrowerWorkExperienceRequirements":60,"earlyRepaymentConditions":128,"additionalConditions":60,"conditionsForNonResidents":60,"commissionRequestReview":60,"commissionCreditDepositInLocalCurrency":316,"commissionLoanMaintenance":60,"otherCommissions":317,"feePropertyEvaluation":187,"feeNotarySupport":60,"feeCadastreServices":60,"feeUnifiedCertificate":60,"feeOtherExpenses":318,"creditToCollateralRatio":282,"collateralItem":319,"decisionValidityPeriod":320,"purposes":321,"immoTypes":322},3.31,8.08,"\u002Fcontent\u002Fuploads\u002Fbanks\u002Fsquare\u002F8c02f0436c0dd0bd7dcda1dcd5e9e83e.svg","ArmSwissBank","https:\u002F\u002Fwww.armswissbank.am\u002Fen\u002F",[308],{"id":66,"code":73,"symbol":74,"local":3,"pivot":309,"translations":310},{"mortgage_id":30,"currency_id":66},[311],{"id":78,"currency_id":66,"locale":79,"name":80},"https:\u002F\u002Fwww.armswissbank.am\u002Fen\u002Findividuals\u002Ffiz-loans\u002Fhipotek-loan\u002F","\u002Fgo\u002Fa98c10c8-b18a-4d92-a5a0-2a1551afa025","Страхование осуществляется за счет средств клиентов","Паспорт и социальная карта, \u003Cbr> Свидетельство о браке заемщика, \u003Cbr> Справка с места работы о размере зарплаты и занимаемой должности, \u003Cbr> Движение средств по счетам в других банках за последние 12 месяцев, \u003Cbr> Действующие кредитные, залоговые и другие контракты, \u003Cbr> Другие документы","0,5% от суммы кредита, минимум 50 000 драмов","Страхование залога и утраты трудоспособности в результате несчастного случая - 0,3% - 0,5% от суммы кредита \u003Cbr> Страхование первоначального взноса - 2-3% от суммы застрахованного первоначального взноса \u003Cbr> Изменение условий действующего договора и графика погашения - 50 000 драмов \u003Cbr> Единоразовый сбор за повторную проверку кредита - Для кредитов до 50 миллионов драмов 25 000 драмов для кредитов свыше 50 миллионов драмов 50 000 драмов но не более чем сбор за оформление кредита.","Другие необходимые расходы, связанные с регистрацией залога и государственной регистрацией 100 000 драмов","Приобретенная жилая недвижимость","10 рабочих 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По состоянию на февраль 2026 года он составляет около 8 трлн драмов.За последние 4 года объём кредитования удвоился, что отражает рост...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F9ed42dc9799adc7ba1498f4c31c8adb5.webp","2026-02-06 11:10:00",3096,"news\u002Ffinancial-news\u002Ftotal-loan-volume-in-armenia-has-reached-a-historical-high",{"title":890,"description":891,"thumbnail_image":892,"publication_date":893,"views_count":894,"url":895},"Ardshinbank стал лидером по количеству ипотечных продуктов в Армении по итогам анализа AFM за январь 2026 года","AFM провёл анализ ипотечного рынка Армении, оценив все действующие ипотечные продукты коммерческих банков страны на начало 2026 года. Цель исследования – зафиксировать реальную картину предложения на рынке и показать, какие...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F4b08c68dc530419e893a9d1e21fc0ecc.webp","2026-01-19 12:35:00",2515,"news\u002Ffinancial-news\u002Fardshinbank-becomes-the-market-leader-by-number-of-mortgage-products-in-armenia-according-to-afm-analysis-for-january-2026",{"title":897,"description":898,"thumbnail_image":899,"publication_date":900,"views_count":901,"url":902},"Цены на жилую недвижимость в Армении выросли на 5,5% за год – данные ЦБ","В третьем квартале 2025 года цены на жилую недвижимость в Армении продолжили рост. По сравнению с аналогичным периодом прошлого года они увеличились на 5,5%, а относительно второго квартала – на...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F209a710fd5112a887639e52839968dbf.webp","2026-01-08 17:00:00",5315,"news\u002Ffinancial-news\u002Freal-estate-prices-in-armenia-continue-to-rise",{"title":904,"description":905,"thumbnail_image":906,"publication_date":907,"views_count":908,"url":909},"VTB Bank изменил условия по ипотечным кредитам","VTB Bank объявил об обновлении условий ипотечного кредитования на приобретение недвижимости. С 25 апреля 2025 года банк ввёл фиксированную процентную ставку и отказался от прежнего диапазона ставок.Основные изменения по ипотеке...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F6563a224-2417-4bb4-b799-6e5ffa17db3a.webp","2025-04-25 00:00:00",3158,"news\u002Ffinancial-news\u002Fvtb-bank-changed-mortgage-loan-terms-and-conditions",{"title":911,"description":912,"thumbnail_image":913,"publication_date":914,"views_count":915,"url":916},"Граждане Армении смогут погасить свои кредиты за счет средств из подоходного налога","Власти Армении предлагают с 1 февраля 2025 года восстановить экономическую активность граждан без официального источника дохода, предлагая им поддержку в виде их подоходного налога, с помощью которого будет возможно закрыть...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F4ce78b9674a7ba0575a28e643adc8763.webp","2025-01-03 11:23:00",3110,"news\u002Fmortgage\u002Fcitizens-of-armenia-will-be-able-to-pay-off-their-loans-using-income-tax-funds",{"left":5,"top":5,"width":105,"height":105,"rotate":5,"vFlip":7,"hFlip":7,"body":918},"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M7 11.529c-4.33 0-6.475-4.135-6.562-4.31a.51.51 0 0 1 0-.437C.525 6.607 2.669 2.494 7 2.494s6.475 4.113 6.563 4.288a.51.51 0 0 1 0 .437c-.088.175-2.231 4.31-6.563 4.31M1.444 7c.481.81 2.363 3.544 5.556 3.544S12.075 7.81 12.557 7C12.075 6.191 10.194 3.457 7 3.457 3.807 3.457 1.925 6.19 1.444 7\"\u002F>\n    \u003Cpath fill=\"currentColor\" d=\"M7 8.86A1.86 1.86 0 0 1 5.14 7c0-1.028.832-1.86 1.86-1.86S8.86 5.973 8.86 7 8.027 8.86 7 8.86m0-2.735A.88.88 0 0 0 6.125 7c0 .481.394.875.875.875A.88.88 0 0 0 7.875 7 .88.88 0 0 0 7 6.125\"\u002F>\u003C\u002Fg>"]