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Types and terms of loans

Our Bank offers different types of loan products to individuals. Persons working both at state and also large private enterprises, having stable financial position and positive credit history and cooperating with bank for a long time are preferred.

Auto loans

Loan amount: Up to the equivalent of 10,000 USD  (Loan is provided in manat)
Annual interest rate: 18-25 %
Term: up to 36 months
Collateral: Car
EAIR: (Effective Annual Interest Rate) 25,83%

Year of manufacture:
New and used cars in good condition with year of 2011

Note: Used cars (EU member countries, US and Korean –made cars)

Requirements relating to loan applicant:
Minimum - 22 years old
Maximum - 65 years old
Driver's license

Bank service fee: 1 %

Territory:
Baku and Sumgait cities, Absheron district

Insurance:
The mortgaged property should be insured against losses, damages and 3rd parties’ loss and damages at the expense of loan applicant at one of the insurance companies accredited in the Bank.  

Loans with the pledge of gold and gold jewelry

Loan amount: Up to 5.000 AZN 
Annual interest rate: 26%
Term: 6 - 24 months 
Collateral:

In the ratio of 50 percent of the value of gold and gold jewelry;  
Collateral is kept in the bank. 

EAIR: (Effective Annual Interest Rate) 26,82%

Requirements relating to loan applicant:
Minimum - 22 years old
Maximum - 65 years old

Bank service fee: 1 %

Loans for pensioners

Loan amount: Up to 3.000 AZN 
Annual interest rate: 22 %
Term: 6 - 24 months 
Collateral:

If the loan amount is up to 2000 manat, by the guarantee of a natural person working at governmental and non-governmental organizations; 
If the loan amount is more than 2001 manat, by the guarantee of two natural persons working at governmental and non-governmental organizations.

EAIR: (Effective Annual Interest Rate) 22,84%

Requirements relating to loan applicant:
Minimum - pensioner
Maximum - 65 years old

Bank service fee: 1 % 

Loan with real estate

Loan amount: Up to the equivalent of 50.000 USD in manat
Annual interest rate: 21 %
Term: 6 - 36 months
Collateral:

Real estate in Baku and Sumgayit cities and Absheron region.

EAIR: (Effective Annual Interest Rate) 22,64%

Requirements relating to loan applicant:
Minimum - 22 years old
Maximum - 65 years old

Bank service fee: 1 % 

Note: Loan is provided in manat. 

Loan with a pledge of money

Loan amount: Up to the equivalent of 400.000 USD in manat
Annual interest rate: 16 %
Term: 3 - 36 months
Collateral: By blocking the monetary funds in current and deposit accounts in the bank, in the amount of 80% of those funds
EAIR: (Effective Annual Interest Rate) 16,71%

Requirements relating to loan applicant:
Minimum - 22 years old
Maximum - 65 years old

Bank service fee: 1 %

Note: Loan is provided in manat. 

Loans for the employees of state organizations

Loan amount: Up to 5.000 AZN
Annual interest rate: 22 %
Term: 6 - 24 months
Collateral: If the loan amount is up to 2000 manat, by the guarantee of a natural person working at law enforcement authorities or  governmental and non-governmental organizations; 
If the loan amount  is from 2001 manat up to 5000 manat,  by the guarantee of two natural persons working at  governmental and non-governmental organizations. 
By the mortgage of real estate at the request of loan applicant
EAIR: (Effective Annual Interest Rate) 22,84%

Requirements relating to loan applicant:
Minimum - 22 years old
Maximum - 62 years old

Bank service fee: 1 % 

Credit cards

Loan amount: Up to 3.000 AZN
Annual interest rate: 27 %
Term: Up to 6 months
Collateral: If the loan amount is up to 2000 manat, by the guarantee of a natural person working at law enforcement authorities or  governmental and non-governmental organizations; 
If the loan amount  is from 2001 manat up to 5000 manat,  by the guarantee of two natural persons working at  governmental and non-governmental organizations. 
By the mortgage of real estate at the request of loan applicant
EAIR: (Effective Annual Interest Rate) 26,82%

Requirements relating to loan applicant:
Minimum - 22 years old
Maximum - 62 years old

Bank service fee: 1 %