Mortgage Loan - Mortgage Calculator and Terms with Unibank

İpoteka krediti əlavə məlumat

Additional info Required documents Preferential mortgage

— 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.

Individuals eligible for preferential mortgage loan opportunities:

• Individuals holding a Doctor of Sciences degree;

• Individuals with at least 15 years of service in the civil service, including special types of public service;

• Military personnel of the Republic of Azerbaijan with at least 3 years of service (excluding those in compulsory active military service), as well as those discharged to the reserve or retired (except for cases specified in Articles 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 of the Republic of Azerbaijan “On Military Duty and Military Service”);

• Individuals holding a special rank and having served in internal affairs bodies for at least 3 years;

• Researchers with at least 3 years of experience in a scientific position;

• Individuals who have worked as teachers in public general education institutions for at least 15 years;

• Individuals who have worked as journalists for at least 15 years and are included in the Media Register;

• Family members of martyrs (spouse);

• Heroes of the Patriotic War of the Republic of Azerbaijan (themselves or their spouse);

• National Heroes of Azerbaijan (themselves or their spouse).

• The following individuals who are members of a young family (both spouses must be no older than 35):

• Children of martyrs;

• Children of Heroes of the Patriotic War of the Republic of Azerbaijan;

• Children of National Heroes of Azerbaijan;

• Internally displaced persons or those equated to them;

• Individuals with at least 3 years of service in the civil service, including special types of public service;

• Individuals who have worked as teachers in public general education institutions for at least 3 years;

• Individuals holding a Doctor of Philosophy (PhD) degree;

• Individuals with outstanding achievements in sports (honored figures in physical education and sports, winners of national competitions (1st place), prize-winners of international competitions (1st, 2nd, or 3rd place));

• Individuals who have worked as journalists for at least 5 years and are included in the Media Register.

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

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Additional info

— Mortgage loan is issued at the expense of the Mortgage and Credit Guarantee Fund of the Republic of Azerbaijan

Required documents

Preferential mortgage

Individuals eligible for preferential mortgage loan opportunities:

• Individuals holding a Doctor of Sciences degree;

• Individuals with at least 15 years of service in the civil service, including special types of public service;

• Individuals holding a special rank and having served in internal affairs bodies for at least 3 years;

• Researchers with at least 3 years of experience in a scientific position;

• Individuals who have worked as teachers in public general education institutions for at least 15 years;

• Individuals who have worked as journalists for at least 15 years and are included in the Media Register;

• Family members of martyrs (spouse);

• Heroes of the Patriotic War of the Republic of Azerbaijan (themselves or their spouse);

• National Heroes of Azerbaijan (themselves or their spouse).

• The following individuals who are members of a young family (both spouses must be no older than 35):

• Children of martyrs;

• Children of Heroes of the Patriotic War of the Republic of Azerbaijan;

• Children of National Heroes of Azerbaijan;

• Internally displaced persons or those equated to them;

• Individuals with at least 3 years of service in the civil service, including special types of public service;

• Individuals who have worked as teachers in public general education institutions for at least 3 years;

• Individuals holding a Doctor of Philosophy (PhD) degree;

• Individuals who have worked as journalists for at least 5 years and are included in the Media Register.

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

Additional info

— Mortgage loan is issued at the expense of the Mortgage and Credit Guarantee Fund of the Republic of Azerbaijan

Required documents

Preferential mortgage

Individuals eligible for preferential mortgage loan opportunities:

• Individuals holding a Doctor of Sciences degree;

• Individuals with at least 15 years of service in the civil service, including special types of public service;

• Individuals holding a special rank and having served in internal affairs bodies for at least 3 years;

• Researchers with at least 3 years of experience in a scientific position;

• Individuals who have worked as teachers in public general education institutions for at least 15 years;

• Individuals who have worked as journalists for at least 15 years and are included in the Media Register;

• Family members of martyrs (spouse);

• Heroes of the Patriotic War of the Republic of Azerbaijan (themselves or their spouse);

• National Heroes of Azerbaijan (themselves or their spouse).

• The following individuals who are members of a young family (both spouses must be no older than 35):

• Children of martyrs;

• Children of Heroes of the Patriotic War of the Republic of Azerbaijan;

• Children of National Heroes of Azerbaijan;

• Internally displaced persons or those equated to them;

• Individuals with at least 3 years of service in the civil service, including special types of public service;

• Individuals who have worked as teachers in public general education institutions for at least 3 years;

• Individuals holding a Doctor of Philosophy (PhD) degree;

• Individuals who have worked as journalists for at least 5 years and are included in the Media Register.

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