DignisiTax refund checker
Armenia's mortgage income-tax refund is being phased out region by region. This checks whether you still qualify.
Eligible
Transitional exception: buildings whose construction permit was issued before 1 January 2022 remain eligible in Yerevan.
- Quarterly cap
- AMD 750,000
- Estimated refund over the term
- AMD 10,800,000
This is an informational estimate, not tax or legal advice. Confirm with your bank and the State Revenue Committee. Rules as published July 31, 2026. RA Tax Code art. 160; State Revenue Committee guidance
The phase-out schedule
| Territory | Cut-off, by mortgage origination date |
|---|---|
| Yerevan | Already phased out. Transitional exception: permits issued before 1 January 2022 remain eligible. |
| Aragatsotn · Ararat · Armavir · Kotayk | 1 January 2027 |
| Shirak · Lori · Tavush · Gegharkunik · Vayots Dzor · Syunik | 1 January 2029 |
| Designated border settlements | Retain eligibility |
Rules version 2026-07 · RA Tax Code art. 160; State Revenue Committee guidance
FAQ
Who still qualifies for the mortgage tax refund in Yerevan?
Only buyers of buildings whose construction permit was issued before 1 January 2022. Yerevan is otherwise phased out, with zone-specific cut-offs that ran from July 2022 to January 2025.
How much can I get back per quarter?
1,500,000 AMD per quarter for mortgages taken between 2018 and 2024, and 750,000 AMD per quarter for mortgages taken from 2025 onwards. The refund can never exceed the income tax actually withheld from your salary.
Can the refund be used more than once?
No. It is available once per person, and only when buying a newly built home from the developer.
When does the refund end in Kotayk, Ararat, Armavir and Aragatsotn?
Mortgages originated on or after 1 January 2027 are not eligible in those four regions.