Transactions immobilières numériques
Remote mortgage transactions are coming to Armenia: what is approved and when the system may launch
The legal basis and standard contracts are final, but the Cadastre has not yet officially announced that the new electronic tool is live.
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La réponse courte
Armenia has created a legal route for a buyer, seller and lender to sign certain mortgage-backed property transactions on the Cadastre electronic platform without notarization. The Government says the buyer may sign from Armenia or abroad.
This does not mean every home can already be bought remotely. The exception is limited to two mixed-contract types, requires a participating bank or authorized mortgage lender, and only works when the exact government template is used without added terms. No official launch notice has been found.
Ce qui change
Two exact templates have been approved
One combines a right to buy property under construction with a mortgage; the other combines a completed property sale with a mortgage. The financing organization is a party to both.
The notary exception has narrow conditions
The contract must be concluded on the Cadastre platform with a bank or mortgage-authorized credit organization, use the government template exactly, and contain no additional terms.
The lender starts registration
After the electronic agreement is signed, the bank or authorized credit organization submits the state-registration application rather than the buyer.
Signing from abroad is part of the intended workflow
The Government’s official explanation says the buyer will be able to validate the contract while in Armenia or outside the country.
À qui cela s'applique
Qui est concerné
- A mortgage-backed buyer whose transaction includes a bank or authorized mortgage lender.
- A seller or developer willing to use the exact government template.
- A buyer abroad who can satisfy the final identification and electronic-signing requirements.
Qui n'est pas concerné
- Every cash purchase or property sale without mortgage financing.
- Contracts where the parties need terms beyond the approved template.
- Other property transactions for which notarization remains legally required.
Avant et après
Jusqu'à présent
- A buyer generally attended a notary in person or issued a power of attorney from abroad.
- Signing and submitting the state-registration application were separate steps.
Après le lancement de la plateforme
- A qualifying three-party agreement will be signed on the Cadastre platform.
- The exact-template transaction will not require notarization.
- The financing organization will submit the registration electronically.
Calendrier pratique
- Confirmé
The framework laws took effect
HO-413-N and HO-414-N authorized the defined mixed contracts on the electronic platform, subject to strict conditions.
- Confirmé
Decision N 1084-N was published
It set practical rules for electronic submission and state registration.
- Confirmé
The contract templates were published
Decision N 1093-N approved the sale–mortgage and purchase-right–mortgage templates.
- After the tool is installed and launchedPas encore réalisé
The service becomes usable
No official launch date has been announced. The decisions set latest deadlines of 23 and 24 January 2027.
Ce que vous pouvez faire maintenant
- Ask your bank whether and when it expects to support the electronic workflow.
- Check whether the transaction fits one of the two contract types named in the law.
- Until the Cadastre announces launch, do not assume today’s notary or power-of-attorney process has ended.
- If the deal needs extra clauses, consult the lender and a lawyer because the notary exception may no longer apply.
Ce qui reste incertain
- The exact day the Cadastre tool will launch.
- Which banks and credit organizations will offer it first.
- The final user-facing identification and overseas-signing steps.
Sources officielles
Le document lui-même est la source primaire. En cas de doute, consultez le texte original.
- Law HO-413-N (s'ouvre dans un nouvel onglet)ARLIS
- Law HO-414-N (s'ouvre dans un nouvel onglet)ARLIS
- Government Decision N 1084-N (s'ouvre dans un nouvel onglet)ARLIS
- Government Decision N 1093-N (s'ouvre dans un nouvel onglet)ARLIS
- Official Government meeting report (s'ouvre dans un nouvel onglet)Government of Armenia
