Families with at least 6 minor children as of 1 July 2027 can qualify for certificates worth 4 million drams per child, subject to other conditions, to buy or build a home.
Armenia’s government approved the housing support program and its implementation procedures on 5 November 2026. Eligible families can use the certificates through bank mortgage programs to buy or build a home.
Arsen Torosyan, the minister of labor and social affairs, presented the program. He said a family that builds in a rural settlement will receive an additional AMD 4 million.
Armenpress said supported homes can be bought or built in Armenia’s regions, but purchases in Yerevan are excluded. Program mortgages have no down payment and a 120-month term. State support covers the loan principal and interest within the program’s limits.
All family members must be Armenian citizens. The applicant and, if married, their spouse must have submitted income declarations for the previous year. Income calculated under the program’s rules cannot exceed AMD 10 million, combined for spouses.
A restriction also applies to ownership of residential property or purchase rights with a cadastral value above AMD 50 million during the 2 years before applying, subject to the decision’s ownership conditions. The home must have at least 10 square meters of living space per family member, and ownership must be registered in every member’s name.
Preliminary data collected from communities identified 643 families in Armenia with at least 6 minor children, according to the program’s justification. The program is expected to improve housing conditions for about 4,300 children.
The decision takes effect on 1 July 2027. Electronic applications are planned to be accepted through 31 December 2029.
The funding covers construction, major renovation and medium-scale repairs on several road sections; the office’s account does not identify the routes or completion dates.
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