Agro-food sector

AMD: 4% (annual interest rate of up to 14%, of which 10 percentage points are subsidized)
USD: 4.7% (annual interest rate of up to 10.7%, of which 6 percentage points are subsidized)

by months, with equal principal payment method, interest is calculated on the balance of the principal.
In case of early repayment of the principal, no penalty or fine is calculated

20% of the purchase price of the leasing object
Within the framework of the program, 50% of the 20% advance payment for leasing fish farming equipment (equipment purchased to ensure alternative use of water resources) (10% of the cost) may be reimbursed by the state

Loan serviced for at least 6 months (agricultural, business, mortgage or other loan exceeding 1 million drams (equivalent to USD))
Positive credit history:
-the borrower has no active overdue loans or direct guarantees,
-the total number of overdue days of loans serviced by the client during the last 12 months does not exceed 36, or the number of consecutive overdue days does not exceed 15.
In the case of an individual borrower, he must be the owner of real estate, and in the case of a legal entity borrower, he must have at least 6 consecutive months of activity.

Positive credit history:
- has no active overdue loans or guarantees,
- the total number of overdue days of loans serviced by the client during the last 12 months does not exceed 36, or the number of consecutive overdue days is 15.
- has (have) a stable income, or owns property (separate properties in case of two or more guarantors)

Within the framework of the project, economic operators are provided with equipment used in the following areas under a leasing agreement:
-livestock breeding, including cattle breeding, sheep breeding, pig breeding, poultry breeding, beekeeping, -fish breeding, industrial animal breeding, snail breeding,
-plant breeding, including greenhouse farming,
-refrigeration farming, including milk storage stations and isothermal tanks transporting milk,
-sorting, packaging and refining of fresh fruits and vegetables and legumes,
-slaughterhouse farming, mobile and mobile modular slaughterhouses, as well as vehicles for transporting carcasses purchased by the slaughterhouse service provider,
-agro-processing industry,
-truck cranes and metal containers for storing raw materials and products, which are considered fixed assets and oak containers used in the winemaking industry,
-other sectors of agri-food activity.

At the same time, within the framework of the program, through a contracting organization, slaughterhouses, greenhouses, refrigeration and agricultural farms (including the land plot on which the slaughterhouse, greenhouse, refrigeration or agricultural storage farm is built), equipped with the necessary equipment, may be considered a subject of leasing (except for the case when the greenhouse is built within the framework of the "State Support Program for the Investment of Small and Medium-Sized Greenhouse Farms" approved by the Resolution of the Government of the Republic of Armenia of November 14, 2019 N 1612-L).