General
Advantages
Information Bulleten The mortgage loan is provided in AMD
The minimum loan amount is 5,000,000 AMD, and the maximum loan amount is 125,000,000 AMD. For the Rocket Line, the maximum amount is up to 10,000,000 AMD. Additionally, if the loan-to-collateral ratio is up to 50%, no income analysis is required, and the maximum loan amount in such cases is 50,000,000 AMD.
The maximum repayment period for a mortgage loan is 240 months.
The annual nominal floating interest rate for 37 to 240 months or for 6 to 240 months is IBRR + 2.95% to 5.2%. The annual effective interest rate ranges from 12.98% to 16.74%.
The borrower and co-borrower must be individuals over 21 years of age, and their age at the time of full loan repayment must not exceed 65 years.
In case of early loan repayment:
- 0.6% of early repaid amount for the 1st year of the loan agreement,
- 0.4% of early repaid amount for the 2nd year of the loan agreement,
- 0.2% of early repaid amount for the 3rd year of the loan agreement,
- No early repayment penalty is charged after the 3rd year of the loan agreement.
No early repayment penalty is charged for the amount that does not exceed the aggregate sum of principal amount repayments provided by the repayment schedule for the 12 months following the early repayment.
- 0.6% of early repaid amount for the 1st year of the loan agreement,
- 0.4% of early repaid amount for the 2nd year of the loan agreement,
- 0.2% of early repaid amount for the 3rd year of the loan agreement,
- No early repayment penalty is charged after the 3rd year of the loan agreement.
No early repayment penalty is charged for the amount that does not exceed the aggregate sum of principal amount repayments provided by the repayment schedule for the 12 months following the early repayment.
You can apply for a mortgage loan at all branches of the Bank, idbank.am website, Contact Center
Apply
Repayment term up to 240 months
Applies Income tax refund
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