Loans
Loans with fund collateration
Obtain a consumer loan by pledging your bank deposit, account balance, or bonds issued by the bank
AMD 10.000
minimum amount
7.23-14.93%
actual interest rate
Up to 3 working days
decision period
Consumer loan with real estate collateral
AMD 3,000,000
minimum amount
14.98-20.83%
actual interest rate
Up to 30 calendar days
decision period
30-120 months
loan term
Loan with gold item collateral
AMD 10,000-50,000,000
loan amount
AMD 10.000
minimum amount
16.08%-20.15%
actual interest rate
The loan is available on the spot
decision period
Agricultural (with Gold Collateral)
AMD 10,000-50,000,000
loan amount
AMD - 16.08-20.15% USD - 11.57-14.85% EUR - 10.47-13.84%
actual interest rate
Provided on site
decision period
Car loan (primary market)
AMD 1,000,000-15,000,000
loan amount
15.52-15.91%
actual interest rate
Up to 30 calendar days
decision period
Car loan (secondary market)
AMD 1,000,000-15,000,000
loan amount
19.36-21.15%
actual interest rate
Up to 30 calendar days
decision period
Gold bullions on credit
AMD 100.000-10.000.000
loan amount
14.93-20.87%
actual interest rate
Within 1 banking day
decision period
Loan without a pledge
AMD 30,000-2,000,000
loan amount
21.54-23.9%
actual interest rate
3 working day
decision period
365-1109 days
loan term
Student loan from the Bank's resources
AMD 50,000-1,000,000
loan amount
20.07-20.66%
actual interest rate
Up to 3 working days
decision period
6-24 months
loan term
Student loan (State program)
AMD 50,000-4,000,000
loan amount
9%
actual interest rate
Up to 3 working days
decision period
72-120 months
loan term
Online Loan
AMD 100,000-3,000,000
loan amount
23.75%
actual interest rate
Up to 5 minutes
decision period
18-36 Months
loan term
Jerm Ojakh
AMD 275,000-3,000,000
loan amount
14,37%
actual interest rate
up to 30 calendar days
decision period
up to 60 months
loan term
AEB Guru & Guru Travel credit line
AMD 100,000-2,000,000
loan amount
0% - 23.42%
actual interest rate
up to 3 working days
decision period
12-36 months
loan term
AGRO credit line
100.000-300.000 AMD
loan amount
21,56%
actual interest rate
Up to 5 minutes
decision period
24 months
loan term
Income ground credit line
AMD 100,000-2,000,000
loan amount
20.74%
actual interest rate
Up to 5 business days
decision period
12-36 months
loan term
Salary credit line
AMD 50,000-4,000,000
loan amount
18.39%
actual interest rate
Up to 5 working days
decision period
12-48 months
loan term
ARMEC's Standard credit line
AMD 500,000-3,000,000
loan amount
16%
actual interest rate
Up to 5 working days
decision period
24-36 months
loan term
Installment Loan
AMD 20.000-2.000.000
loan amount
0-24%
actual interest rate
1 working day
decision period
1-60 months
loan term
Purchase of heating systems on credit (with subsidy) (Discontinued on 01.07.2025)
AMD 275.000-1.200.000
loan amount
Up to 84 months
loan term
Installment loan (Subsidized solar loan) (Discontinued on 01.07.2025)
Get a solar loan to invest in energy-efficient solutions — with government subsidies and affordable terms
AMD 275.000-4.000.000
loan amount
1-6.75%
actual interest rate
1 working day
decision period
84 months
loan term
Housing for forcibly displaced families from separate regions of NKH. Program 1, 2
AMD 16.000.000
Maximum amount
120 months
loan term
Affordable housing to servicemen
1.000.000-25.650.000 AMD
loan amount
6.59-8.14%
actual interest rate
Up to 20 working days
decision period
From 120 up to 240 months
loan term
Mortgage loans provided within the framework of own resources of the bank
AMD 1.000.000-100.000.000, USD 2.000-250.000, EUR 2.000-250.000
loan amount
120-240 month
loan term
Housing for young families
Primary market AMD 1.000.000-27.750.000 Secondary market AMD 1.000.000-22.500.000
loan amount
Primary market- 8.24-9.98% Secondary marker- 3.28-5.97%
actual interest rate
Up to 20 business days
decision period
120-240 months
loan term
Mortgage loan (acquisition)
AMD 15.46-19.76%
actual interest rate
AMD 1.000.000- 60.000.000
loan amount
Up to 20 business day
decision period
from 120 up to 240 months
loan term
Subsidized loan for energy-efficient renovation (Discontinued on 01.07.2025)
AMD 3.000.001-10.000.000
loan amount
84 month
loan term
Mortgage loan (Renovation, construction)
AMD 1.000.000-60.000.000
loan amount
15.63-19.39%
actual interest rate
120-240 months
loan term
Up to 20 business day
decision period