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Energy Efficient Mortgages in AMD

Save money with a more sustainable home

Looking to invest in a sustainable modern property?

Our Energy Efficient Mortgages can help you to save money and live a more sustainable life.

Take advantage of preferential lending terms for AMD mortgage loans when you buy a property with an Energy Performance rating of B or above.


  • Unlock preferential interest rates
    Enjoy reduced interest rates compared to our standard mortgage loan offer.
  • 10% prepayment
    Pay as little as starting from 10% of the amount of your new modern home in advance and get the rest funded by Bank.
  • Innovate to save money
    Unlock next generation climate solutions to save energy and reduce your monthly bills.
  • No Loan Provision Fee
    We will waive our standard loan provision fees for Energy Efficient loans.
  • Earn cashback on your loan repayments
    For the first three calendar years of your loan, we will credit 5% of paid loan interest back to your bank account (max return amount is AMD 100,0001)

Interest rates

Customer segment Annual nominal interest rate Annual percentage rate
Standard 12% 12.92% - 14.95%
Plus and Status 12% 12.89% - 14.90%

Interest rates

Customer segment Standard
Annual nominal interest rate 12%
Annual percentage rate 12.92% - 14.95%
Customer segment Plus and Status
Annual nominal interest rate 12%
Annual percentage rate 12.89% - 14.90%

Attention: The nominal interest rate may be changed by the bank in case of bank retail base rate changes.

Important: The interest amount of the loan is calculated based on the annual nominal interest rate. The annual percentage rate (APR) indicates how much the loan would cost to the borrower in case of repayment of the interest amount and other payments under the defined timeline and terms.

Floating nominal interest rate can be changed during the loan lifecycle no more than 2 times in a year. Maximum and minimum thresholds are set for the nominal interest rate of the loan, which cannot be exceeded during the lifecycle of the loan. In case of floating interest, the maximum increase and decrease of the threshold of the nominal interest rate is defined as +/-7 interest point.

For AMD loans, this is calculated at Bank’s AMD retail base rate plus constant margin and is currently equal to:

9% + 3% = 12%


9% - Bank’s AMD Retail Base Rate

3% - Constant margin

Interest amount will be calculated on a daily basis by using the following formula:

I = R*L/365, where

I = one day interest amount

R = current interest rate

L = outstanding amount of loan

Product overview



Additional information

1 Customers with no overdue obligations at the date of refund will be eligible for return. Return of 5 % of paid interest will be effected in January of each calendar year.

2 Persons with minimum 1 year of residence in Armenia proven by respective documents are considered as Armenian residents.

3 The requirements on salary transfer to your account with the Bank will be communicated to you during the loan approving process.

4 Indicative tariff.

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Last updated on: 22.04.24, 01:09

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