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2H19v8h-5.192l-.4-2H7v7.5zm8.65-6.5H18V8h-5.25l-.4-2H7v6h7.25z\"\u002F>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":44},32,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"m31.4 5.4-4.7 22c-.35 1.55-1.25 1.9-2.55 1.2l-7.05-5.2-3.45 3.3c-.35.35-.7.7-1.5.7l.55-7.25L25.85 8.2c.55-.55-.15-.75-.85-.3L8.65 18.2 1.6 16.05c-1.55-.5-1.55-1.55.35-2.25l27.4-10.65c1.35-.4 2.5.3 2.05 2.25\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":46},"\u003Cdefs>\u003CclipPath id=\"a\">\u003Cpath fill=\"#fff\" d=\"M0 0h32v32H0z\"\u002F>\u003C\u002FclipPath>\u003C\u002Fdefs>\u003Cg fill=\"none\">\u003Cg clip-path=\"url(#a)\">\u003Cpath fill=\"currentColor\" d=\"M23.7 12.9h-3.8V7.8H23c.55 0 1-.4 1-1V1.5c0-.55-.4-1-1-1h-3.65c-3.95 0-6.7 2.8-6.7 6.95v5.35h-4.4c-.7 0-1.35.55-1.35 1.35v3.6c0 .7.55 1.35 1.35 1.35h4.3v11.05c0 .7.55 1.35 1.35 1.35h4.7c.3 0 .55-.15.75-.35s.35-.55.35-.85V19.15H23c.65 0 1.15-.4 1.25-1v-.1l.7-3.45c.05-.35 0-.75-.3-1.15-.1-.25-.55-.5-.95-.55\"\u002F>\u003C\u002Fg>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":48},"\u003Cg style=\"transform-origin:1.01222px 1.01222px\">\u003Cpath fill=\"currentColor\" d=\"M24.843 6.234c-1.071 0-1.875.803-1.875 1.874 0 1.07.804 1.874 1.875 1.874s1.874-.803 1.874-1.874-.803-1.874-1.874-1.874M16.408 8.643c-4.418 0-7.898 3.615-7.898 7.9s3.614 7.898 7.898 7.898 7.9-3.615 7.9-7.899-3.482-7.899-7.9-7.899m0 12.987a5.085 5.085 0 0 1-5.087-5.088 5.085 5.085 0 0 1 5.087-5.087 5.085 5.085 0 0 1 5.088 5.087 5.085 5.085 0 0 1-5.088 5.088\"\u002F>\u003Cpath fill=\"currentColor\" d=\"M22.834.343H10.116C4.627.343.343 4.627.343 9.983V22.7a9.6 9.6 0 0 0 9.64 9.639H22.7a9.6 9.6 0 0 0 9.639-9.64V9.983c.134-5.355-4.15-9.64-9.506-9.64m6.56 22.491c0 3.615-2.945 6.694-6.693 6.694H9.982c-3.615 0-6.694-2.945-6.694-6.694V10.116c0-3.615 2.946-6.694 6.694-6.694h12.719c3.614 0 6.694 2.945 6.694 6.694z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":50},"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M9.253 6.667a2.667 2.667 0 1 1-5.333-.003 2.667 2.667 0 0 1 5.333.003m.08 4.64H4V28h5.333zm8.427 0h-5.307V28h5.254v-8.76c0-4.88 6.36-5.333 6.36 0V28h5.266V17.427c0-8.227-9.413-7.92-11.626-3.88z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":52},"\u003Cg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\">\u003Ccircle cx=\"12\" cy=\"12\" r=\"10\"\u002F>\u003Cpath d=\"M14.83 14.83a4 4 0 1 1 0-5.66\"\u002F>\u003C\u002Fg>",{"currentArticle":54},{"data":55},{"id":56,"title":57,"description":58,"original_image":59,"thumbnail_image":60,"image_source":61,"description_source":62,"publication_date":63,"views_count":64,"category":65,"topics":68,"author":75,"banners":91,"seo":92},63,"How to Get a Mortgage at Inecobank on the Best Terms?","\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\" rel=\"noopener noreferrer\" target=\"_blank\">Inecobank\u003C\u002Fa>\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> is one of the most dynamic banks in Armenia, focused on retail clients. The bank emphasizes \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">clear products\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, a \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">simplified application process\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, and \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">modern customer service\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. It is actively developing digital tools, allowing customers to manage their loans and applications through the mobile app, and offers \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">flexible lending terms\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Among the key advantages are:\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Fast application review\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Loyal approach\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> to borrowers without credit history\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Full digital control\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> of loans and applications via app\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">How to choose the right program, where you can save money, and how to apply — we explain in detail below.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\u002Fmortgage-loans\" rel=\"noopener noreferrer\" target=\"_blank\">Top 5 Mortgage Programs at Inecobank\u003C\u002Fa> with the Best Rates\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Inecobank’s mortgage lending covers all major needs — from \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fhy\u002FIndividual\u002Fmortgage-loans?category=acquisition\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">home purchase\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> and \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\u002Fmortgage-loans?period=120&amount=15000000&prepaid=0&currency=AMD&category=construction&secondProperty=false&location=yerevan\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">construction\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> to \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\u002Fmortgage-loans?period=120&amount=15000000&prepaid=0&currency=AMD&category=renovation&secondProperty=false&location=yerevan\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">major renovations\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> and \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\u002Fmortgage-loans?period=120&amount=15000000&prepaid=0&currency=AMD&category=refinancing&secondProperty=false&location=yerevan\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">refinancing\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. The bank places special emphasis on \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">simplicity of the application process\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> and \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">customizing terms\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> to match each client’s situation.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Borrowers can choose between \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">fixed or variable interest rates\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, various \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">repayment schemes\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, and \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">different down payment options\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. Thanks to participation in \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">state initiatives\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> and its own programs focused on \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">energy efficiency\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> and \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">support for young families\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, Inecobank offers real opportunities to reduce loan costs.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Here are the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">mortgage programs with the lowest maximum effective rates\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> from Inecobank (in AMD):\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Program\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Max. Effective Annual Rate (EAR)\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\">\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fhy\u002FIndividual\u002Fmortgage-loans\u002Fyoung-family-acquisition-yerevan\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">Affordable Housing for Young Families (secondary market)\u003C\u002Fa>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">7.16%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\">\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fhy\u002FIndividual\u002Fmortgage-loans\u002Fyoung-family-acquisition-yerevan\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">Affordable Housing for Young Families (primary market)\u003C\u002Fa>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">10.01%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\">\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\u002Fmortgage-loans?period=120&amount=15000000&prepaid=0&currency=AMD&category=construction&secondProperty=false&location=yerevan\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">Mortgage for Energy-Efficient Real Estate\u003C\u002Fa>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">19.08%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\">\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\u002Fmortgage-loans?period=120&amount=15000000&prepaid=0&currency=AMD&category=construction&secondProperty=false&location=yerevan\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">Home Renovation (State Program)\u003C\u002Fa>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">19.83%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"6\">\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\u002Fmortgage-loans\u002Fpersonal-resources-construction-floating?period=120&amount=15000000&prepaid=0&currency=AMD&category=construction&secondProperty=false&location=yerevan\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">Floating Interest Mortgage for Home Purchase\u003C\u002Fa>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">15.55%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Conclusion:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">lowest maximum rate\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> is offered under the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">“Affordable Housing for Young Families”\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> state program — starting from \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">7.16% annually\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. That’s nearly \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">2.5 times lower\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> than the rates under standard programs.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Example:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> For a loan amount of AMD 25 million over 20 years:\u003C\u002Fspan>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">At \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">7.16%\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, the overpayment would be approximately \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 22 million\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">At \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">19.83%\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, the overpayment would reach around \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 51 million\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Savings:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> nearly \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 30 million\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, simply by participating in a government-supported program.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">State Programs Participated in by Inecobank\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fhy\u002FIndividual\u002Fmortgage-loans\u002Fyoung-family-acquisition-yerevan\" rel=\"noopener noreferrer\" target=\"_blank\">Affordable Housing for Young Families:\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Mortgage loans for primary and secondary market housing with reduced interest rates. Designed for \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">young families and single parents under 35 years old\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Rates starting from 7.16%.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fhy\u002FIndividual\u002Fmortgage-loans\u002Fnmc-acquisition-yerevan\" rel=\"noopener noreferrer\" target=\"_blank\">National Mortgage Company (NMC) Program\u003C\u002Fa>:\u003C\u002Fstrong>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Loans for the purchase of \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">energy-efficient housing\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">major renovations\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, and \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">refinancing\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> of previously issued mortgages. In certain cases, borrowers may benefit from \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">a reduced down payment\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> and \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">more lenient application terms\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">These state initiatives can lower your interest rate by \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">1.5–2 times compared to standard programs\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> and help cut costs at the loan origination stage. You can find and compare all available options on \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AFM\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> — the platform shows bank offers side by side by rate, loan purpose, and term.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\" rel=\"noopener noreferrer\" target=\"_blank\">Inecobank’s\u003C\u002Fa> Own Mortgage Programs\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">In addition to participating in state-backed initiatives, \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Inecobank\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> offers its \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">own flexible mortgage solutions\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> for home construction and even commercial real estate.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> A key advantage: some mortgages are available \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">without a down payment\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Available Mortgage Products:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Home purchase loans\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> (fixed or variable rate) — for buying property on the primary or secondary market, in \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD or foreign currency\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Construction loans\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> — for building a private house, with the option of a \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">floating interest rate\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Renovation loans\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, including through the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">National Mortgage Company (NMC)\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> — for major home repairs in Yerevan or other regions, including \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">energy-efficient upgrades\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Refinancing existing mortgages\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> — move your current mortgage from another bank to \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">better terms\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, including refinancing for \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">home purchase, renovation, or construction\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Each program has specific borrower requirements and terms.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">To \u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fafm.am\u002Fen\u002Fmortgage-in-armenia\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\">compare mortgage offers across different banks\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, use \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AFM\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> — it’s quick and easy in just a few clicks.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Comparison: Standard Mortgage vs. Mortgage with State Support\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Parameter\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Standard Mortgage\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Mortgage with State Support\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Interest Rate\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">from \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">15.55%\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">from \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">7.16%\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Down Payment\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">from \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">20%\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">from \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">0–10%\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Borrower Requirements\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Standard\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Simplified\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Insurance\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Mandatory\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">May be subsidized\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Which Is More Cost-Effective? \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Participating in programs like \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">“Affordable Housing”\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> or the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">National Mortgage Company (NMC)\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> can help you \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">save up to AMD 25 million\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> over a \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">20-year loan term\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>You can \u003Ca href=\"https:\u002F\u002Fafm.am\u002Fen\u002Fnews\u002Fipoteka\u002Fsamye-vygodnye-ipotechnye-kredity-v-armenii-gde-minimalnye-stavki-i-nulevye-komissii\" rel=\"noopener noreferrer\" target=\"_blank\">compare the most favorable mortgage loans\u003C\u002Fa> from Inecobank and other Armenian banks — with and without government programs — on AFM.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Comparison of Popular Mortgage Programs\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">We’ve compiled a table of the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\u002Fmortgage-loans\" rel=\"noopener noreferrer\" target=\"_blank\">top mortgage programs\u003C\u002Fa>\u003C\u002Fstrong>\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\u002Fmortgage-loans\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\"> from Inecobank\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> to help you evaluate the terms and choose the one that best fits your needs:\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Program\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Loan Term\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Down Payment\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Online Application\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Floating Interest Mortgage for Home Purchase\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">up to 30 years\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">from 0% to 20%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">No\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Young Families (Secondary Market)\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">up to 30 years\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">from 10%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">No\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Energy-Efficient Mortgage\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">up to 30 years\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">from 10%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">No\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Renovation with State Support\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">up to 13 years\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">from 10%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">No\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What to Consider When Choosing a Mortgage at Inecobank\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">While the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">interest rate\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> is certainly important, it’s not the only factor that determines how beneficial a mortgage will be. Pay attention to the following:\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Is the program state-supported?\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Government-backed loans often come with lower rates and easier conditions.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Type of interest rate:\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Fixed or floating — fixed rates offer more predictability over the long term.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Total overpayment and insurance requirements:\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Some programs may include subsidized or mandatory insurance policies.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Fees and upfront costs:\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Initial charges, application fees, and notary costs can vary by program.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">If you’ve already chosen a program and are ready to proceed, be sure to review all the steps of the application process carefully.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What Fees Does Inecobank Charge When Issuing a Mortgage?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">When applying for a mortgage at Inecobank, it’s important to factor in \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">all mandatory costs\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> associated with the transaction. The \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">down payment\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> ranges from \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">0% to 20%\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, depending on the specific program.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Despite generally transparent terms, the borrower is responsible for covering \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">evaluation, notary, registration, and other service fees\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Here’s a breakdown of typical charges:\u003C\u002Fspan>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Application review fee:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> 0.5% of the loan amount, minimum \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 60,000\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Property appraisal:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 15,000 – 25,000\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Notary services:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 15,000 – 40,000\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Cadastral registration:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> up to \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 45,000\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Unified ownership certificate:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> up to \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 10,000\u003C\u002Fstrong>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Depending on the program, \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">additional registration fees\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> may apply. These costs are not always listed in the general terms, so it’s crucial to consider \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">possible extra expenses in advance\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> when planning your budget.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">To choose the most favorable option, \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">compare offers on AFM\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> and calculate the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">full cost of the loan\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> — this will help you avoid overpayments and secure a mortgage on fair and manageable terms.\u003C\u002Fspan>\u003C\u002Fp>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">How to Get a Mortgage at Inecobank: Step-by-Step Guide\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Define your goal\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> — buying, renovation, construction, or refinancing\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Explore available programs on AFM\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> — our database is updated regularly\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Prepare your documents\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> — ID\u002Fpassport, property valuation, employment certificate\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Apply to the bank\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> and submit your application\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Wait for approval\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> — the review usually takes up to \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">10 working days\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"ordered\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Sign the contract\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, pay the required fees, and receive your mortgage\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Can You Get a Mortgage Without a Down Payment?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Yes — if you offer an \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">additional property as collateral\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> or purchase real estate from a \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">partner developer\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. This option is also available under \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">NMC\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> or \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">family-focused programs\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Can You Get a Mortgage Without a Credit History?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Yes — the bank considers applications from borrowers with \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">no prior credit history\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, especially if you have \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">official employment\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> and a \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">stable income\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Mandatory Expenses When Applying for a Mortgage at Inecobank\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Expense\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Amount\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Application review fee\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">0.5% of loan amount, min. AMD 60,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Property appraisal\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 15,000 – 25,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Notary services\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 15,000 – 40,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Cadastral services\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">up to AMD 45,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Unified ownership certificate\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">up to AMD 10,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Property registration\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AMD 45,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Mortgage Terms for Non-Residents at Inecobank\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">If you live outside Armenia but plan to \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">buy, renovate, or build a home\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> in the country, \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Inecobank\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> offers mortgage loans to \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">non-residents\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> as well.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Key Conditions:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Mortgage is issued in \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">USD\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Minimum down payment\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">: from \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">20%\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, or an \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">additional property as collateral\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Effective annual rate (EAR)\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">: from \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">10.55% to 20.85%\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, depending on loan purpose and selected program\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Application fee\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">: 0.5% of the loan amount, \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">minimum AMD 60,000\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Other costs\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> (property appraisal, notary, and registration fees) are the same as for residents\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Required Documents:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Passport\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> or national ID Card\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Income certificate\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> from your country of residence\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Credit history\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> (if available)\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Public service number (PSN)\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> (if available)\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Preliminary property appraisal\u003C\u002Fstrong>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Applications must be submitted \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">through a bank branch\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Even if you use the mobile app, \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">the full mortgage process requires an in-person visit\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> or direct contact with a \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">bank representative\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">FAQ: Mortgage at Inecobank\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Q: Can I apply online?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A: No, mortgage applications at Inecobank must be submitted \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">in person\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> at a bank branch. \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Online applications\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> via the website or mobile app are \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">not available\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> for any mortgage programs — including both standard and government-supported options. To apply, you’ll need to visit a branch, present your documents, and go through the property appraisal process.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Are there programs for young families?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Yes, Inecobank offers the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">state-supported program \u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\u002Fmortgage-loans\u002Fyoung-family-acquisition-yerevan\u002Fterms\" rel=\"noopener noreferrer\" target=\"_blank\">“Affordable Housing for Young Families”\u003C\u002Fa>\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, available for both \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">primary and secondary market housing\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Eligibility:\u003C\u002Fspan>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Both spouses must be under \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">70 years old\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, or\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">single parent\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> under \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">35 years old\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Minimum down payment\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">: from \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">10%\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Effective annual rate\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">: from \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">7.16% to 10.01%\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, depending on property type\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What documents are required?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The standard list includes:\u003C\u002Fspan>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Passport or national ID of the borrower\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Public service number (if available)\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Employment certificate\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Preliminary property appraisal\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Spouse’s passport copy (if applicable)\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Preliminary cost estimate (for renovation loans)\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The bank may also request \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">additional documents\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> depending on the program.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Is there a penalty for early repayment?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">No\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, early repayment of mortgage loans at Inecobank is allowed \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">without penalties or extra fees\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. This applies to both \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">partial and full repayment\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What is the maximum loan term?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">maximum mortgage term\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> at Inecobank is \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">up to 30 years\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, depending on the loan purpose and program.\u003C\u002Fspan>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Home purchase and refinancing: up to \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">30 years\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Renovation loans: up to \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">13 years\u003C\u002Fstrong>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Note:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> The borrower’s age at loan maturity \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">must not exceed 70 years\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Conclusion\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">If you approach your mortgage decision thoughtfully and explore available \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">state support programs in time\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, you can save \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">tens of millions of drams\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. For example, choosing a rate of \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">7.16% instead of 19.83%\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> on a loan of AMD 25 million could reduce your overpayment by \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">nearly AMD 30 million\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. This is especially critical for \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">young families\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> and \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">first-time homebuyers\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\" rel=\"noopener noreferrer\" target=\"_blank\">Inecobank\u003C\u002Fa>\u003C\u002Fstrong>\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\" rel=\"noopener noreferrer\" target=\"_blank\" style=\"background-color: transparent; color: rgb(0, 0, 0);\"> offers\u003C\u002Fa>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">flexible terms\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">fast approval\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">, and supports clients \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">without a credit history\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. You may also qualify \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">without a down payment\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> — if you provide a \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">second property as collateral\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> or purchase from a \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">partner developer\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Want to save not just money, but also time?\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Use the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AFM platform\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> to compare all available offers and find a mortgage with \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">minimal costs\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">. \u003C\u002Fspan>With us, you can learn \u003Ca href=\"https:\u002F\u002Fafm.am\u002Fen\u002Fnews\u002Fipoteka\u002Fkak-vzyat-ipoteku-i-ne-uvyaznut-v-dolgah-sovety-dlya-zaemshikov-v-armenii\" rel=\"noopener noreferrer\" target=\"_blank\">everything about how to take out a mortgage without getting stuck in debt\u003C\u002Fa>.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A smart choice means not just chasing a low rate — but factoring in \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">fees, conditions, and hidden costs\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> to make the most informed decision.\u003C\u002Fspan>\u003C\u002Fp>","\u002Fcontent\u002Fuploads\u002Fnews\u002F31696785-0a39-4f69-914f-aeb89b981f39.webp","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F31696785-0a39-4f69-914f-aeb89b981f39.webp","Unsplash",null,"2025-04-23 00:00:00",3344,{"title":66,"slug":67},"Journal","journal",[69,72],{"title":70,"slug":71},"Mortgage","mortgage",{"title":73,"slug":74},"Converse Bank","converse-bank",{"first_name":76,"last_name":77,"full_name":78,"avatar":79,"email":80,"slug":81,"company":82,"phone":62,"title":83,"description":84,"position":85,"position_description":86,"social_links":87},"Roman","Galstyan","Roman Galstyan","\u002Fcontent\u002Fuploads\u002Favatars\u002F274267e71693c296cc5de71da4c6d5b1.webp","romangalstyan.afm@gmail.com","roman-galstyan","AFM","About the author","\u003Cp>\u003Cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\">A specialist with six years of professional experience, including four years in the financial sector. Previously collaborated with international organizations and contributed to the preparation of analytical materials and reviews. At AFM, Roman focuses on clearly explaining financial products, comparing terms, and creating practical content that helps users make informed and well-considered decisions.\u003C\u002Fspan>\u003C\u002Fp>","AFM article and news Author","\u003Cp>Creates clear, verified and up-to-date content about financial products, markets, and initiatives in Armenia.\u003C\u002Fp>",[88],{"name":89,"link":90,"status":5},"linkedin","",[],{"title":93,"description":94,"keywords":95},"Как взять ипотеку в Converse Bank на выгодных условиях","Узнайте, как получить ипотеку в Converse Bank: ставки, размер первоначального взноса, участие в госпрограммах и советы по снижению переплаты.",[96,97,98,99,100],"ипотека Converse Bank","ипотека Армения","ставка по ипотеке","господдержка по ипотеке","выгодная ипотека",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":102},"\u003Cpath fill=\"currentColor\" d=\"M5 19v-8.692q0-.384.172-.727t.474-.565l5.385-4.078q.423-.323.966-.323t.972.323l5.385 4.077q.303.222.474.566q.172.343.172.727V19q0 .402-.299.701T18 20h-3.384q-.344 0-.576-.232q-.232-.233-.232-.576v-4.769q0-.343-.232-.575q-.233-.233-.576-.233h-2q-.343 0-.575.233q-.233.232-.233.575v4.77q0 .343-.232.575T9.385 20H6q-.402 0-.701-.299T5 19\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":104},"\u003Cpath fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m9 18l6-6l-6-6\"\u002F>",{"left":5,"top":5,"width":106,"height":106,"rotate":5,"vFlip":7,"hFlip":7,"body":107},14,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M7 11.529c-4.33 0-6.475-4.135-6.562-4.31a.51.51 0 0 1 0-.437C.525 6.607 2.669 2.494 7 2.494s6.475 4.113 6.563 4.288a.51.51 0 0 1 0 .437c-.088.175-2.231 4.31-6.563 4.31M1.444 7c.481.81 2.363 3.544 5.556 3.544S12.075 7.81 12.557 7C12.075 6.191 10.194 3.457 7 3.457 3.807 3.457 1.925 6.19 1.444 7\"\u002F>\n    \u003Cpath fill=\"currentColor\" d=\"M7 8.86A1.86 1.86 0 0 1 5.14 7c0-1.028.832-1.86 1.86-1.86S8.86 5.973 8.86 7 8.027 8.86 7 8.86m0-2.735A.88.88 0 0 0 6.125 7c0 .481.394.875.875.875A.88.88 0 0 0 7.875 7 .88.88 0 0 0 7 6.125\"\u002F>\u003C\u002Fg>"]