-
days
-
hours
-
minutes
-
seconds
The 5th draw has started!Pay with Unibank card and get chance to win an apartment in Sea Breeze, iPhone 15 Pro and many cash prizes.
More
Private Corporate
"Əjdaha" lottery Service network About bank Tariffs Human Resources Contact us
Private Corporate
aze rus
117
Cards
Loans
Savings
Money transfers
Online services
Other services
117
Private / Corporate
117
Cards
Loans
Savings
Money transfers
Online services
Other services
"Əjdaha" lottery Service network About bank Tariffs Human Resources Contact us
aze rus

Affordable mortgage

Dreams come true. Buy your own apartment with easy access to advantageous loan!

Period
300
months
Maximal amount
150 000
AZN
Annual interest rate
7%

İpoteka krediti əlavə məlumat

Additional info Required documents Preferential mortgage

Until 30.12.2024 it is possible to obtain a mortgage loan at 7% per annum with initial payment min.30%.

— Mortgage loan is issued at the expense of the Mortgage and Credit Guarantee Fund of the Republic of Azerbaijan
— Currency: AZN
— Amount: cannot exceed AZN 150 000 (in preferential mortgage AZN 100 000) and 70% of the market value of the purchase
— Term: from 3 to 25 years (in preferential mortgage loans till 30 year)
— Annual interest rate: cannot exceed 8% (in preferential mortgage cannot exceed 4%)
— İnitial payment: min.30%
— Collateral: acquired home or apartment
— Mortgage value: calculated by independent appraisal companies
— Mortgage recipient: it must be the Azerbaijani citizen
— Repayment: equal monthly installments (annuity).
— 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
— Repayment of the loan: the mortgage payment can be made in the UBank app in the "Government Payments" section.
— Loan application: Applications for a mortgage loan are only available on the E-Government portal (www.e-gov.az). When registering an application, borrowers must receive an Electronic Signature Token (www.e-imza.az) or "ASAN imza" (www.asanimza.az).
— The document confirming the identity of the borrower (co-borrower) and the copy of the document;
— Certificate of marriage (or divorce) and the copy of the document;
— Identity documents (copies of documents) of family members who have reached adulthood ( living together with the borrower and co-borrower);
— ID cards or birth certificates (copies of documents) of borrower (co-borrower) family members who have not reached adulthood;
— The documents confirming the income of the borrower (co-borrower);
— Appraisal act of mortgage subject.



— Following members of young families:

1. Members of martyr’s family (spouse, children);
2. National Hero (themselves, spouse, children);
3. Hero of the Patriotic War of the Republic of Azerbaijan (himself, husband/wife, children)
4. IDPs (internally displaced persons) or persons with an equivalent status;
5. Person who was employed as a public servant for at least 3 years, as well as those who serve for a special type of public service;
6. Teacher working for a general education school for at least 3 years;
7. Person with PhD degree;
8. Persons with outstanding athletic accomplishments (honorary physical education and athletic trainers, winners of national competitions (I place), medalist of international competitions (I, II or III place));
9. Person who has worked as a journalist for at least 5 years and is included in the Media Register.

— Person with the degree of doctor of sciences:

1. Person who was employed as a public servant for at least 15 years;
2. Workers in the scientific sphere for at least 3 years;
3. Military servicemen of the Republic of Azerbaijan employed in the military service for at least 3 years, including those who are in the reserve forces and those who are retired from military service (except for the active military servicemen), (except for the military servicemen who are in the reserve forces and those who are retired from military service in the cases specified by the clauses 41.0.6, 41.0.7, 41.0.8, 41.0.10, 42.0.3, 42.0.4 and 42.0.5 of the Law “on military title and military service” of the Republic of Azerbaijan);
4. Person with special title who served for the authorities of internal affairs for at least 3 years.
5. Teacher working for a general education school for at least 15 years;
6. Person who has worked as a journalist for at least 15 years and is included in the Media Register.

Note: A family or a person who has the right to use a affordable mortgage loan can use this right only once.
Public offer
457.3 kB, 19.11.2021
Download
Public offer (asandoc)
73 kB, 06.11.2020
Download
Public offer
457.7 kB, 03.02.2021
Download
Public offer (asandoc)
73.9 kB, 03.02.2021
Download
Public offer (asandoc)
71.4 kB, 05.04.2021
Download
Public offer
454.7 kB, 05.04.2021
Download
Standard conditions for issuing a loan (credit line) to individuals
218.9 kB, 30.09.2023
Download
Additional info

Until 30.12.2024 it is possible to obtain a mortgage loan at 7% per annum with initial payment min.30%.

— Mortgage loan is issued at the expense of the Mortgage and Credit Guarantee Fund of the Republic of Azerbaijan
— Currency: AZN
— Amount: cannot exceed AZN 150 000 (in preferential mortgage AZN 100 000) and 70% of the market value of the purchase
— Term: from 3 to 25 years (in preferential mortgage loans till 30 year)
— Annual interest rate: cannot exceed 8% (in preferential mortgage cannot exceed 4%)
— İnitial payment: min.30%
— Collateral: acquired home or apartment
— Mortgage value: calculated by independent appraisal companies
— Mortgage recipient: it must be the Azerbaijani citizen
— Repayment: equal monthly installments (annuity).
— 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
— Repayment of the loan: the mortgage payment can be made in the UBank app in the "Government Payments" section.
— Loan application: Applications for a mortgage loan are only available on the E-Government portal (www.e-gov.az). When registering an application, borrowers must receive an Electronic Signature Token (www.e-imza.az) or "ASAN imza" (www.asanimza.az).
Required documents
— The document confirming the identity of the borrower (co-borrower) and the copy of the document;
— Certificate of marriage (or divorce) and the copy of the document;
— Identity documents (copies of documents) of family members who have reached adulthood ( living together with the borrower and co-borrower);
— ID cards or birth certificates (copies of documents) of borrower (co-borrower) family members who have not reached adulthood;
— The documents confirming the income of the borrower (co-borrower);
— Appraisal act of mortgage subject.


Preferential mortgage

— Following members of young families:

1. Members of martyr’s family (spouse, children);
2. National Hero (themselves, spouse, children);
3. Hero of the Patriotic War of the Republic of Azerbaijan (himself, husband/wife, children)
4. IDPs (internally displaced persons) or persons with an equivalent status;
5. Person who was employed as a public servant for at least 3 years, as well as those who serve for a special type of public service;
6. Teacher working for a general education school for at least 3 years;
7. Person with PhD degree;
8. Persons with outstanding athletic accomplishments (honorary physical education and athletic trainers, winners of national competitions (I place), medalist of international competitions (I, II or III place));
9. Person who has worked as a journalist for at least 5 years and is included in the Media Register.

— Person with the degree of doctor of sciences:

1. Person who was employed as a public servant for at least 15 years;
2. Workers in the scientific sphere for at least 3 years;
3. Military servicemen of the Republic of Azerbaijan employed in the military service for at least 3 years, including those who are in the reserve forces and those who are retired from military service (except for the active military servicemen), (except for the military servicemen who are in the reserve forces and those who are retired from military service in the cases specified by the clauses 41.0.6, 41.0.7, 41.0.8, 41.0.10, 42.0.3, 42.0.4 and 42.0.5 of the Law “on military title and military service” of the Republic of Azerbaijan);
4. Person with special title who served for the authorities of internal affairs for at least 3 years.
5. Teacher working for a general education school for at least 15 years;
6. Person who has worked as a journalist for at least 15 years and is included in the Media Register.

Note: A family or a person who has the right to use a affordable mortgage loan can use this right only once.
Additional info

Until 30.12.2024 it is possible to obtain a mortgage loan at 7% per annum with initial payment min.30%.

— Mortgage loan is issued at the expense of the Mortgage and Credit Guarantee Fund of the Republic of Azerbaijan
— Currency: AZN
— Amount: cannot exceed AZN 150 000 (in preferential mortgage AZN 100 000) and 70% of the market value of the purchase
— Term: from 3 to 25 years (in preferential mortgage loans till 30 year)
— Annual interest rate: cannot exceed 8% (in preferential mortgage cannot exceed 4%)
— İnitial payment: min.30%
— Collateral: acquired home or apartment
— Mortgage value: calculated by independent appraisal companies
— Mortgage recipient: it must be the Azerbaijani citizen
— Repayment: equal monthly installments (annuity).
— 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
— Repayment of the loan: the mortgage payment can be made in the UBank app in the "Government Payments" section.
— Loan application: Applications for a mortgage loan are only available on the E-Government portal (www.e-gov.az). When registering an application, borrowers must receive an Electronic Signature Token (www.e-imza.az) or "ASAN imza" (www.asanimza.az).
Required documents
— The document confirming the identity of the borrower (co-borrower) and the copy of the document;
— Certificate of marriage (or divorce) and the copy of the document;
— Identity documents (copies of documents) of family members who have reached adulthood ( living together with the borrower and co-borrower);
— ID cards or birth certificates (copies of documents) of borrower (co-borrower) family members who have not reached adulthood;
— The documents confirming the income of the borrower (co-borrower);
— Appraisal act of mortgage subject.


Preferential mortgage

— Following members of young families:

1. Members of martyr’s family (spouse, children);
2. National Hero (themselves, spouse, children);
3. Hero of the Patriotic War of the Republic of Azerbaijan (himself, husband/wife, children)
4. IDPs (internally displaced persons) or persons with an equivalent status;
5. Person who was employed as a public servant for at least 3 years, as well as those who serve for a special type of public service;
6. Teacher working for a general education school for at least 3 years;
7. Person with PhD degree;
8. Persons with outstanding athletic accomplishments (honorary physical education and athletic trainers, winners of national competitions (I place), medalist of international competitions (I, II or III place));
9. Person who has worked as a journalist for at least 5 years and is included in the Media Register.

— Person with the degree of doctor of sciences:

1. Person who was employed as a public servant for at least 15 years;
2. Workers in the scientific sphere for at least 3 years;
3. Military servicemen of the Republic of Azerbaijan employed in the military service for at least 3 years, including those who are in the reserve forces and those who are retired from military service (except for the active military servicemen), (except for the military servicemen who are in the reserve forces and those who are retired from military service in the cases specified by the clauses 41.0.6, 41.0.7, 41.0.8, 41.0.10, 42.0.3, 42.0.4 and 42.0.5 of the Law “on military title and military service” of the Republic of Azerbaijan);
4. Person with special title who served for the authorities of internal affairs for at least 3 years.
5. Teacher working for a general education school for at least 15 years;
6. Person who has worked as a journalist for at least 15 years and is included in the Media Register.

Note: A family or a person who has the right to use a affordable mortgage loan can use this right only once.

İpoteka Kalkulyatoru

AZN
6 months
0 %
Total amount
0
AZN
Monthly payment
0
AZN

UTM and branch network

Addresses of branches and UTMs, as well as working hours and other detailed information.

Read more
Have a question?
Contact us!

Contact an online consultant, 117 Call Center or bank branches and get answers to your questions. Fast and easy!

Read more

Search

Products
News
Others
All results