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Debet cards
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Local cards
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Credit cards
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For business
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Virtual cards
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Security Requirements
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Cash loans
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Kredit kartlar
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İPOTEKA KREDİTLƏRİ
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Business loans
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Cash loans
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Kredit kartlar
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İPOTEKA KREDİTLƏRİ
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Business loans
Loan for public and private sector employees
FAST registration
LOANS WITHOUT GUARANTOR
Loans for holders salary cards of other banks
Loan amount:
Min. AZN 300 - Mаx. AZN 30000
Currency
AZN
Period
min. 3 - max. 58 months
Annual interest rate:
min. 16%
Comission
min. 1% or AZN 20
Actual annual interest rate
min. 16%
Type of payment
Monthly annuity (In case of advance payments on the main debt within the payment schedule, interest arrears will not be considered as delays)
Borrower requirements:
Borrower
Public and private sector employees and / or pensioners.
Work experience
min. 6 months
Note: If the client's work experience is less than 6 months in the current workplace, the previous work experience may be taken into account, in the case of if the period between the last dismissal and the date of admission to the current job does not exceed 10 calendar days. Experience at the current workplace must be at least 3 months.
Age limits
Min. 20 – max. 70
Salary (pension) requirement
No minimum requirements
Required documents
ID card
Certificate of employment or other documents confirming official income (salary card statement, electronic certificate)
Guarantor requirement
The possibility of getting a loan up to 20,000 AZN without a guarantor, depending on the customer’s workplace, salary and debt limit.
NOTE:
2 AZN service fee is charged to check the existing obligations of clients at the Azerbaijan Credit Bureau (ACB). If a certificate of employment and / or a salary statement from the bank is not provided, 3 AZN service fee is charged for obtaining this information through e-government portal (e-gov.az) or the “ASAN Finance” project.
When submitting an application with an extract from the Azerbaijan Credit Bureau (ACB) or an electronic certificate obtained on the e-government portal (e-gov.az), which is provided by the ASAN Service (Electronic Labor Contract) centers, no fee is charged for the corresponding service. In this case, the submitted documents must meet the following requirements.
1. The document must indicate the date of issue;
2. The relevant documents must be certified by "ASAN Service" with a seal or sticky hologram.
The validity period of the relevant documents submitted by the ASAN Service centers is taken as the date of submission of the document and the next business day.
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Cash loans
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Kredit kartlar
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İPOTEKA KREDİTLƏRİ
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Business loans
