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Interest subsidy for planting intensive orchards and vineyards

Run by: Ministry of Economy of the Republic of Armenia

If you take a loan to plant a new intensive orchard, vineyard or berry plantation, the state pays most of the interest. The loan can cover drip irrigation, anti-hail nets, a water reservoir and first-year care.

Do I qualify?

Individuals, sole proprietors and companies planting at least 0.5 ha (per fruit type) and up to 500 ha. Home garden plots are not covered. You need a 3-year contract with an agronomist adviser and certified saplings.

What you get

The state pays 7 percentage points of the loan interest (3 for foreign-currency loans). Border communities, cooperatives and persons disabled in combat get 10 points (6 in FX); young farmers aged 18–35 and people aged 63+ get 8 points (4 in FX). Term 8 years, with a 5-year grace period on principal.

Deadline

  • Closes: 31 December 2026
  • The program runs 2021–2026. Apply before you start the works. There is no decision or draft yet on a 2027 continuation. Existing borrowers whose grace period ends by 31 July 2027 can get +1 year of term and +1 year of grace if they apply to their bank by 1 November 2026.

Documents you need

Tick each document when you have it ready. Saved on this phone. · 0 of 6 ready

How to apply

  1. 1Before starting any work, apply to a partner bank and at the same time send the documents to the Ministry of Economy.
  2. 2Choose one contractor company to do all the works.
  3. 3The loan is paid in stages (each up to 40%); the bank checks the work done.
  4. 4Keep a farm logbook for 3 years after planting.

Help me apply

Use the checklist above, call the contact, or ask a partner bank to call you back.

Prepare my application8140

Apply through these banks and organizations

Rates as published by the institution, before any state subsidy. The APR (annual percentage rate) includes fees. Check the current terms with the institution.

Contact

  • Ministry of Economy hotline: 81-40. Agricultural advisory department: +374 11 597 254, +374 11 523 411.
  • https://mineconomy.am/

Official sources

Information checked on 8 October 2026. Reliability of this information: High — from the official decision

Legal basis

Sources