Yerevan
Tbilisi
Moscow
Paris
Los Angeles
Beijing
English
Հայերեն Русский
Main Timeline Video Share
May the Holiday Warm Hearts: Idram and IDBank Support the Children of Heroes Beneficiaries of the "By Your Side" program at IDBank AraratBank Named Large CSR Company of the Year Idram Joins the Fight Against Food Insecurity Ucom’s Renovated Sales and Service Center in Yerevan Mall Reopens 1% idcoin instead of New Year’s suffering: practical tips Idram Junior Donated Books to Schools Big Christmas Market with Idram, IDBank and idplus Ucom Supports Wildlife Monitoring in Ararat Region IDBank, Idram, and idplus at the Big Christmas Market Converse Bank Deputy CEO and CFO, Grant Akopian, Elected to BACEE Board Ucom and SunChild NGO Install a Solar Plant in Alaverdi Kindergarten
Timeline
IDBank warns of scam calls impersonating pension fundsA little corner of France in Hrazdan, with the partnership of Converse SME Idram is the general partner of the "Towards Conscious Parenting 2026" annual conference Polytechnic University Graduation Ceremony Held with the Support of Unibank Converse Bank Completes the Placement of EBRD Bonds From Financial Adventures to Great Victories: The 4th Junius Financial Online Tournament Wrapped UpThe Power of One Dram and the Armenian State Symphony Orchestra Conclude the Forest Project Launched in Shirak EBRD to Launch AMD 5 Billion Floating-Rate Bond Offering in Armenia Three-day Financial Literacy Course at the FAST Foundation’s AI Camp: Idram&IDBank Coffee, a Break, and Up to 10% idcoin with Idram&IDBank Ucom Introduces the New uMix 5000 Regional Package: 3 Services for Just AMD 5,000 per Month "Monaco glamour, Vegas energy, Macau prestige - yet uniquely Armenian." Artak Tovmasyan on how Seven Visions is redefining world-class hospitality Travel Without Borders: Ucom Introduces New uTravel Packages Artur Nakhshikyan has joined the Supervisory Board of Unibank "Your smartphone is locked": IDBank warns of cyberextortion that turns your smartphone into a "brick" “From Classroom to Orbit”: With Ucom’s Support, “Space 1.0” Is Being Introduced in 15 Schools Across Armenia AraratBank Reports Growth in its SME Loan Portfolio in 2025 Converse Bank and ADB expand access to MSME and sustainable finance in ArmeniaUnibank and "Vanq" Charity Fund Support Wheelchair Basketball Exhibition Game in Yerevan Armenia’s Largest QR Payment Systems to Collaborate: ArcaQR – IdramNet
All Timeline »

Flexible Terms when Transferring your Mortgage Loan to AraratBank

AraratBank comes up with a new mortgage loan offer, enabling customers to transfer their existing mortgage loans from other banks or credit organizations operating in Armenia on more favorable and simplified terms.

The offer aims to reduce the financial burden on customers while securing more affordable monthly repayments and a streamlined lending process.

Main terms:

  • Interest Rate: from 12.25%
  • Additional 0.5% reduction for customers receiving their salary via an AraratBank card for a minimum of 3 months
  • Effective Annual Interest Rate: 12.40% – 13.53%
  • Loan Amount: from AMD 5 million up to AMD 150 million
  • Tenure: 5 to 25 years
  • Mortgage Costs: fully covered by the Bank (property clearance extract, notarization, registration of the mortgage right, and appraisal fees)
  • No Fees Required: no application processing fee, insurance, proof of income, or loan package servicing fees
  • Simplified Creditworthiness Assessment: if the transferred loan has been serviced for over one year, no income proof is required, and existing loan obligations are not taken into consideration. However, the total number of overdue days on the mortgage loan over the past year must not exceed 8 days.

AraratBank continues to develop customer-centric solutions, supporting you on your journey to creating a comfortable and cozy home.

AraratBank is regulated by the Central Bank of Armenia.