Ardshinbank provides loans for the purchase of real estate under the prepayment of 10% under the program "Affordable Housing for Young Families" instead of the previous 30%, without additional security. In the amount of an unpaid advance of 10-20%, the Bank provides insurance of prepayment instead of the client.

Within the “Affordable Housing for Young Families” program, clients can receive a loan of 24 million drams, provided that the cost of residential real estate can be up to 30 million drams. The client gets the opportunity to repay the loan for a period of 20 years instead of the previous 15 years, paying 7.35% per annum, and with state subsidies and when acquiring property owned by the Bank - from 2.35%. Moreover, in the case of the purchase of residential real estate in the primary market, the borrower will also be able to return the income tax payments. The total age of spouses can now reach 70 years.

Recall that the Bank provides other mortgage loans from 5% with prepayment up to 100 million drams and for a period of up to 20 years.