The Armenian government has approved amendments and additions to the state housing assistance program for families displaced from Artsakh.

As of May 25, 2026, 6,336 families had received housing certificates under the program, and 2,896 had already redeemed them.

According to the explanatory note, the practical implementation of the program revealed several issues that hindered its effective execution.

Under the new rules, if a divorced member of a family included in an application has one or more minor children at the time of applying, those children will be considered mandatory members of the family unit of the parent with whom they reside under a court decision. If there is no such court ruling, the children will automatically be considered part of the mother's family unit, while the father may submit an application without including those children.

The government said that, under the previous rules, one divorced parent could not receive a housing certificate until the other parent and the children had also obtained theirs.

The amendments also establish that, under the program, the state will cover a down payment equal to 20% of the amount available through the housing certificate. The government said this change is necessary to fulfill obligations undertaken under agreements between Armenia, the Asian Development Bank, and the World Bank.

At the current stage, the down payment has been set at 20%. The government will review this figure after three months based on the pace of certificate redemption, and if uptake remains low, it will increase the state-funded down payment to 30%.

The government also revised the rules governing subsidized interest rates for program loans financed through refinancing institutions. Under the new formula, the subsidy will equal the refinancing rate in effect when the loan is issued, plus up to 2 percentage points, but not exceeding 13%. The change is intended to facilitate cooperation with the National Mortgage Company.

In addition, one or two members of a family whose names were not included in an already redeemed certificate may now combine their own certificates with that family's certificate. The government also approved several other technical amendments.

As of May 25, a total of 3,851,309,400 drams had been spent under the program. The funds were used for monthly mortgage payments and cadastral fees for 2,608 beneficiaries, monthly repayments of renovation loans for 479 beneficiaries, agricultural land purchase loan repayments for 30 beneficiaries, additional mortgage loan repayments for 83 beneficiaries, repayments of existing mortgage loans for 53 beneficiaries, and the purchase of furniture and household appliances for 290 beneficiaries.