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Terms of loan allocation

Mortgage loans allocation conditions

Conditions Standard mortgage loans
Social mortgage loans
Max amount 150 000 AZN 100 000 AZN
Max annual interest rate 8% 4%
Max period 25 year 30 year
Minimum prepayment
15% 10%


Allocation of mortgage loans through the Fund should meet the following requirements:

  1. Loan should be paid out in Azerbaijan manats;
  2. Loan should be given to Azerbaijan Republic citizen;
  3. Mortgage object can be either flat or private apartment;
  4. Loan amount should not be more than 80% of the market price of real estate loaded with mortgage on the date of Loan  allocation;
  5. Monthly repayment amount on mortgage Loans should not exceed 70% of borrower’s (borrowers’) total monthly incomes.
  6. Regular repayments regarding life and activity of borrower (joint borrower) and his family and expenses for keeping each family member can not be taken less than indicated living minimum per country.
  7. Borrower’s age on last loan repayment date should not exceed the limit of retirement age defined in legislation;
  8. Loan should be provided by the real estate mortgage;
  9. Real estate loaded with mortgage should be estimated by independent evaluator listed in agent list of AMF and with whom relevant contract on cooperation was signed;
  10. The rights of mortgage holdershould be  registered in state registration according to the applicable laws;
  11. Principal amount and interest payments on loan should be paid equally (annuity payments) per month;
  12. Real estate loaded with mortgage should be insured based on market price of real estate not exceeding the amount provided by mortgage loan;
  13. Life insurance contract. Life insurance of joint borrowers should be calculated in proportionally on personal income and the  weight and total amount of joint borrower life insurance should not be less thanthe mortgage loan amount;
  14. Other requirements as defined by AMF.

Following persons have rights to use social mortgage loans:

  • Following persons who are member of young family:
  1. Member of martyr families (husbandwife, children);
  2. National Hero (himselfherself, husbandwife, children);
  3. Refugee or person equal to himher;
  4. Person employed in state entities for more than 3 years, including person employed in special civil service;
  5. Person employed as a teacher for at least 5 years by public schools;
  6. Person with PhD academic degree;
  7. Person with special achievements in sports (honorary physical and sport trainers, winner of competitions within country (I place), persons rewarded in international competitions (I, II and II places);
  • Person with a degree of Doctor of Sciences;
  • Person employed by state entity for more than 15 , as well as who serves in special civil service;
  • Military workers employed in Ministry  of Defense of Azerbaijan Republic, Ministry of National Security of Azerbaijan Republic, Ministry of Emergency Situations of Azerbaijan Republic, Internal Forces of Ministry of Internal Affairs of Azerbaijan Republic, State Border Services of Azerbaijan Republic and Special State Protection Services of Azerbaijan Republic more than 3 years (except military workers serving on call-up period).
  • Person with special rank, who employed by internal affairs authorities for at least 3 years
  • Research workers with at least 3 years of experience in the field of science

    Notice: Every family (person) who is entitled to use social mortgage loans can use these concessions only one time
The amount of mortgage loans
1 191 619 178
Authorized organizations