Mortgage rates in Armenian banks
11 mortgage programmes from 8 banks. Standard rates start at 12.25%; state programmes go lower. Calculate the payment for your amount.
| Bank | Product | Rate |
|---|---|---|
| Fast Bank | Young familiesAMD | 7.3%–7.5% |
| Evocabank | National Mortgage Company programAMD | 8% |
| Araratbank | Mortgage refinancingAMD | from 12.25% |
| Evocabank | Mortgage: secondary marketAMD | 12.5% |
| Inecobank | Floating mortgage: acquisitionAMD | 12.5%–13% |
| IDBank | Mortgage for the diasporaAMD | 13%–14.5% |
| Fast Bank | National mortgageAMD | 13% |
| AMIO Bank | MortgageAMD | from 13.4% |
| ACBA Bank | Purchase mortgageAMD | 13.5%–14.5% |
| Fast Bank | MortgageAMD | 13.5% |
| Ameriabank | MortgageAMD | 15.7% |
Data as of 2026-09. Rates are indicative and change — confirm the final terms with the bank.
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FAQ
What is the mortgage rate in Armenia?
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2026-09: Fast Bank — 7.3%–7.5%; Evocabank — 8%; Araratbank — from 12.25%; Evocabank — 12.5%; Inecobank — 12.5%–13%. Your final rate depends on income, credit history and down payment.
How do I calculate the monthly payment?
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Open the calculator, enter the amount, term and the bank’s rate to see the payment, the overpayment and the full schedule.
Nominal or effective rate — which matters?
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Compare the effective rate (APR): it includes fees and insurance.