Market prices
Mortgage calculator
Work out your monthly payment and the income you need for a preferential or standard state mortgage (AMCGF) or a commercial bank loan.
Loan type
Enter the property price
Monthly payment, total interest and required income are calculated instantly.
How it is calculated
- 1. Loan amount = property price − down payment.
- 2. The monthly payment uses the annuity formula: the same amount every month, with the interest share shrinking over time.
- 3. Minimum income = monthly payment ÷ 0.7 — the AMCGF rule that the payment may not exceed 70% of income.
Frequently asked questions
- Who qualifies for a preferential mortgage?
- Young families (both spouses under 35), civil servants with 15+ years of service, military personnel with 3+ years of service, teachers, scientists, journalists, families of martyrs and war veterans. The right can be used once in a lifetime.
- What is the difference between preferential and standard?
- Preferential: up to 4% a year, max 100,000 ₼, at least 10% down, up to 30 years. Standard: up to 8% a year, max 150,000 ₼, at least 15% down, up to 25 years.
- Can any apartment be bought with a mortgage?
- No — it needs a title document (kupça / registry extract) and must pass the bank's valuation. Use the «Mortgage-eligible» filter on Prayk to find such listings.
- How accurate is the result?
- The monthly payment follows the exact formula, but banks may add insurance, valuation and service fees. Confirm the final figure with your bank.