Sales Terms

should be as convenient, accessible, and simple as possible.

In recent years, acquiring real estate in Armenia has become much more attainable thanks to mortgage loans, income tax refund laws, state support programs, and other mechanisms. Many people today are taking advantage of these opportunities to secure their own homes.

The mortgage loan remains the most common option, provided by nearly all commercial banks.

In this article, we’ll present the sales conditions offered by Metrum Invest, which make apartment ownership more accessible.

Mortgage Financing

This option is ideal for those who cannot or do not wish to pay the full amount upfront.

A mortgage can have a repayment period of up to 30 years, with interest rates depending on both the bank’s terms and government support programs.

One of the key benefits of a mortgage is the income tax refund opportunity.

In this case, the borrower can receive state support in the form of an income tax refund equal to the monthly interest paid, calculated at 20% of their registered salary.

The total refundable income tax for the borrower (and co-borrower, if applicable) cannot exceed AMD 750,000 per quarter.

Projects like Eden Park, Tsaghkadzor Park, Toon 27 and Masis Central Residential Complex are eligible under this law.

Installment Payment

If you prefer to purchase an apartment without taking out a mortgage, Metrum Invest offers installment plans.

You pay 30% upfront, and the remaining 70% is evenly distributed over the months leading up to the completion of construction.

Full Cash Payment

Another option is full cash payment, where the entire amount is transferred at once.

The possibilities for buying property in Armenia are expanding, making improved housing conditions more accessible to many.

In fact, a mortgage combined with the income tax refund law can be considered a modern tool for owning your own home.

Metrum Invest is your trusted partner on the path to acquiring your dream apartment.