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Mortgage
Refinanced from the resources of Mortgage Fund. 

Currency AZN
Amount cannot exceed AZN 150,000 (in the social mortgage 100.000) and 80% of the market value of the purchase
Term from 3 to 25 years
Annual interest rate cannot exceed 8%
Initial payment 20%
Collateral acquired home or apartment
Mortgage value calculated by independent appraisal companies
Mortgage recipient must be the Azerbaijani citizen
Repayment equal monthly installments (annuity). Each installment cannot exceed 70% of the total monthly income of the borrower (s)
Insurance the life and ability to work of the borrower as well as the mortgage object must be insured to the amount equaling the amount of the loan
Deadline for loan repayment cannot exceed the legal pension age of the borrower
Payment Mortgage payments can be made through the state payment portal https://gpp.az/ or in the section “State payments” through the mobile application Unibank Mobile.
Loan application Applying for the mortgage loan can be done only through the Electronic State portal (www.e-gov.az). During the registration, borrowers should receive a digital signature for token (www.e-imza.az) or ASAN imza (www.asanimza.az).
Required documents
  • Identity card (copy of the document) of the borrower (co-borrower);
  • Certificate of marriage (or divorce) (a copy of the document);
  • Identity cards (copies of documents) of family members who have reached the age of majority living with the borrower (co-borrower);
  • Identity cards or birth certificates (copies of documents) of under-age members of the borrower's family (co-borrower);
  • A copy of the employment contract or work record book, certified by the personnel department of the borrower (co-borrower);
  • Documents confirming the income of the borrower (co-borrower) (if available, reference from the main and additional workplace, etc.);
  • Mortgage appraisal act
Loan calculator
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