Families with 6 or more minor children will receive a housing certificate. Details.
28-09-2026 10:44 Armenia Economy
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Sputnik․ If a family has a small house, it can still be included in the program. The total annual income is also important.
Families with 6 or more minor children in Armenia will receive a 100% subsidized certificate to purchase a home in the regions.
The program will come into effect on March 2, 2027. In an interview with Sputnik Armenia, Gayane Gharaqyozyan, an advisor coordinating specific functions of structural subdivisions of the Ministry of Labor and Social Affairs, noted that there are currently 643 families in Armenia with 6 or more children. Among them, 309 have 6 minors, 143 have 7, 46 have 8, and 34 have 9 or more children.
«The program was highly anticipated, as until now, no measures specifically aimed at large families had been implemented; they have benefited from programs where the children’s component was included, and perhaps due to the number of children, the amount of support was slightly higher,» Gharaqyozyan noted.
The program stipulates that for each child, the family will receive 4 million drams, meaning that for at least 6 children, the family will receive a certificate worth 24 million drams. If preference is given to rural areas instead of urban ones, the family will receive an additional 4 million drams (if the component chosen is not to purchase a ready-made house but to build one, this amount can be used for purchasing the land or acquiring agricultural land). The funds from the certificate will be directed towards the purchase of a house with a mortgage loan (the principal), and the state will cover not only the interest payments but also the costs of the financing process, including notarial certification, cadastral registration, and property appraisal.
The positive balance of funds (for example, if the state provides 28 million drams, and the house is purchased for 25 million drams, leaving a positive balance of 3 million drams) can be used for home renovation or for purchasing furniture and household appliances.
«The family has several obligations: at least 2 of the children must attend the local school or kindergarten for 3 years, and no family member should be absent from Armenia for more than six months,» Gharaqyozyan noted.
First of all, all family members must be citizens of the Republic of Armenia, must not own any other real estate (this refers to a share of 50% or more; for example, if the family mother has a small share in the parental home, it cannot hinder participation in the program – ed.), and must not own property with a cadastral value exceeding 50 million drams.
Gharaqyozyan emphasizes that if the family has a small house, it cannot be an obstacle, as it is clear that families with 6 or more children will definitely need a second home.
Moreover, to be included in the program, adult family members must mandatory submit the income declaration for the previous year, in which the total income must not exceed 10 million drams.
Gharaqyozyan emphasizes that the program has been designed to be as targeted as possible and to benefit exclusively those families that need it.
It should be noted that Yerevan is not included in the program, but the surrounding regions are included.
* This text was automatically translated by Artificial Intelligence (AI).
