Provision of loans in agro-processing for purchase agricultural raw material

Provision of loans within the Framework of The program of subsidization of the interest rates of loans  in agro-processing sector for procurement of agricultural raw material




The balance of the total amount of loans to the borrower should not exceed 1.5 billion AMD.

Interest rate: As a result of state subsidies

For border settlements 0%
For the rest of the communities in the Republic of Armenia Nominal interest rate 3%

Actual interest rate 3.04% under the following conditions


The loan is provided to individual entrepreneurs and legal entities engaged in the processing of agricultural raw materials. The loan can be provided for the following purposes:

  • Purchasing of fruits and vegetables
  • Purchasing of grapes
  • Purchasing of milk
  • Provision of advance payment for raw material purchase contracts mentioned above


Repayment period:

Loan term is up to 1 year

Credit currency:



Loan repayment procedure

The loan may be granted a grace period of at least 2 months but not more than 3 months for the principal amount of the loan.


The subsidization of interest rate is stopped, if: 

  • there are overdue liabilities to the loan for more than 60 days cumulatively in one year period (last 12 months) or, because of overdue liabilities the loan is not classified in standard class .
  • as a result of monitoring there is a violation of the terms of the Program.
  • In case of improper use of the loan



Money  paid to Development and Investment Corporation of Armenian for lending

The corporation does not set any other fees for services.

Possible early repayment terms and conditions:

There are no fines or penalties for early repayment of the loan


Other lending terms are common to all types of loans that you can find at the following link.

Last update 31.03.2020 14:53