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Please note May 28th, the Independence Day of the First Republic of Armenia, will be a non-working day for all branches.05/23/2025 10:10:00 am
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Debit Visa Gold debit Visa Signature debit Visa Infinite debit Credit Visa Platinum Credit Visa Signature credit Visa Infinite credit Package IDsalary package IDROCKET package VISAGOLD package Other Visa Infinite Special Edition Travel Card Mastercard Gold Mastercard Standard Mastercard Standard Instant Visa Digital Idram Rocket Visa ArCa card Transfer Caring card Gift Card
Credits
Credits
Loans Without Collateral Rocket Line Rocket loans/credit lines Credit Lines Profi Student Loan Micro loans “Jerm Ojakh” Collateral Loans Consumer loan Refinancing loans secured with real property Loans secured by cash collateral and bonds Loans with Pledge of Gold Gold Standard Package IDgold Mortgage Loans Package IDhome For the purchase. Young families For the purchase. National mortgage company For the purchase. Own resources For the purchase. Duryan House Residential Area Renovation Mortgage Loans. National mortgage company Renovation Mortgage Loans. Own resources Energy-Efficient Renovation Mortgage Loans Mortgage Loans for the Diaspora Mortgage Loan Refinancing
Deposits
Deposits
Safe With the right to replenish Without the right to replenish On demand Demand deposit
Transfers
Transfers
Money Transfers Card to card international transfers Transfers in the RA and outside the RA Money transfers from IDBank to IDpay Transfer payment systems Moneytun INTELIEXPRESS Ria Money Transfer MoneyGram
Additional services
Additional services
Accounts Bank accounts Trading Account Saving account Social package Unallocated metal accounts Honorary accounts Escrou accounts Other idcoin Tariffs Safe deposit boxes Functions of state bodies Insurance IDBank Reference Rate (IBRR) Shopping Mix, Shopping Max, Shopping Pro Order a reference
IDBanking.am
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CSR program
(+374 10) 59 33 11
(+374 12) 33 33 33
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Micro loans “Jerm Ojakh”

Micro loans “Jerm Ojakh”

Save your energy costs with the help of an affordable loan

Apply
Currency
֏
Interest rate
14%
Repayment term
Up to 84 months
Loan maximum amount
Up to 3,000,000 ֏

General

General
Tariffs
Documents
Micro loans “Jerm Ojakh”

Jerm Ojakh microloan

Renovate your real estate and improve housing conditions with “Jerm Ojakh” (Warm House) microcredit of up to 3,000,000 AMD.
A minimum of 40% of the loan proceeds should be used to purchase energy-efficient measures, materials/supplies for residential real estate, including up to 20% of the loan amount may be used to purchase energy-saving household appliances.

Advantages

Improve your housing conditions

Further savings
The amount you saved further due to energy saving systems may cover the part of the loan
Long term maturity
Repay the loan during up to 84 months
Low interest rate
The interest rate is lower than the interest rate of consumer loans -14%

Choose a loan

AMD
Loan amount

You need to choose the loan amount you prefer from the scale below.

I AMD
275 000 3 000 000 AMD
Loan term, months

You need to choose the loan term that you prefer from the scale below.

60 months 84 months
Payment method

fixed monthly installments, where the monthly payment throughout the repayment period remains the same and consists of a portion of loan and a portion of interest.

Monthly payment:
-
Interest rate
-

This calculation is informative character and can be changed.

You may be interested in

Rocket Line
Get now, pay over 60 months

Online approval
Get or increase your limit without visiting the bank
0 documenting
There is no need to submit any documents or conclude an agreement
0% commission
The loan is provided without any commissions
More detail

You may be interested in

Renovation Mortgage Loans. National mortgage company
Renovate your real estate through the National Mortgage Company

Low interest rate
Annual nominal interest rate starts from 13.5%
Long repayment period
Pay off in up to 180 months
Apply
More detail

You may be interested in

Renovation Mortgage Loans. Own resources
Renovate your real estate with an affordable mortgage loan financed with Bank's own funds

Fixed or floating interest rate
2 options of interest repayment are available
High limit
Maximum loan amount is 125 000 000 AMD/250 000 USD
Choice of currency
The loan is available in Armenian drams and US dollars
Apply
More detail

Special offer

Renovation National - Mortgage Company

"Renovate your real estate with profitable mortgage loans financed by "National Mortgage Company" RCO CJSC program. Get a loan in AMD or USD, starting from 13.5% annual nominal interest rate.

More detail
Micro loans “Jerm Ojakh” - Special offers
INFORMATION BULELTIN OF “JERM OJAKH” CONSUMER MICRO LOAN

Tariff archive

Tariffs valid from 06.02.23
1.13 MB
Tariffs valid from 14.11.22-06.02.23
1.13 MB
Tariffs valid from 05.10.20-22.11.21
291.10 KB
Required documents
141.01 KB

Apply now

14% interest rate
up to 84 months repayment term

Code
+374 (Armenia)
+7 (Russia)
+375 (Belarus)
+32 (Belgium)
+1 (USA)
+1 (Canada)
+49 (Germany)
+86 (China)
+995 (Georgia)
+33 (France)
+39 (Italy)
+34 (Spain)
+971 (UAE)
+44 (United Kingdom)
+386 (Slovenia)
+421 (Slovakia)
Branch
"Arabkir" branch
"Nor Nork" branch
"Centre" branch
"Hrazdan" branch
"Armavir" branch
IDBank Head Office
Vanadzor branch
"Echmiadzin” branch
Davtashen branch
Gyumri branch
Abovyan branch
“Vardanants” branch
"Shengavit" branch
"Malatia" branch
"Baghramyan" branch
"Erebuni" branch
"Old Yerevan" branch
«Artashat» branch
"Kapan" branch
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/THE BANK SUPERVISED BY THE CENTRAL BANK OF ARMENIA/
Information updated 16.08.2024 05:41
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