The Automated Mortgage Interest Tax Refund System is a nationwide digital solution designed to simplify and accelerate the process of refunding income tax on mortgage interest payments.
The platform supports one of the government’s key housing support programs, allowing individuals to reclaim income tax paid in the amount of mortgage interest, effectively reducing the cost of homeownership.
Manual submission of documents
Time-consuming verification procedures
Limited integration between financial and governmental institutions
Delays in processing and refund disbursement
Online application submission through a unified taxpayer interface
Cadastre Committee, Central Bank of Armenia, ACRA Credit Bureau, Commercial banks
Real-time data exchange for accurate verification of mortgage interest and taxpayer information
Automated notifications to inform users about application status
End-to-End Automation
Covers application, verification, calculation, approval, and refund payment
Accurate Tax Calculations
Automatically calculates refundable income tax based on mortgage interest and declared income
Seamless System Integration
Connects multiple government and financial institutions into a unified ecosystem
User-Centric Experience
Simplifies the process for citizens with intuitive digital workflows
Quarterly Processing Capability
Supports periodic (quarterly) refund applications aligned with tax reporting cycles
for refund applications
in public services
through automated data validation
for government institutions
of the mortgage support program
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