AtaBank offers you the opportunity to purchase your own apartment with a mortgage credit.


Mortgage credits

Preferential mortgage credits

Maximum amount

150 000 AZN

100 000 AZN

Maximum term

25 years

30 years

Minimum down payment

30 %

30 %

Maximum interest rate:



Unsecured credits



Secured credits



Documents required for obtaining a mortgage loan:

  • Personal ID of the borrower(s) and its notarized copy.
  • If the borrower is married - a notarized copy of the Personal ID of spouse(s) and marriage certificate (divorce, the death of the spouse(s).
  • If the borrower is single - a certificate of the absence of a wife (husband) from the registry office and a statement of the absence of marriage.
  • Notarized copies of Personal IDs of adult and minor family members living with the borrower(s).
  • Note (from the ASAN service) on the composition of the family of the borrower(s).
  • A document confirming that the borrower belongs to the preferential category.
  • The employment contract of the borrower(s) and a copy of the employment record, confirmed (each page) by the personnel department of the workplace.
  • Documents confirming the income of the borrower(s): a certificate from the main and, if available, additional workplaces, bank extracts from payroll cards, etc.
  • The original act of evaluation of the subject of the mortgage.

Additional documents, in case the borrower is a private entrepreneur:

  • A copy of the certificate of registration of the entrepreneur in the tax authorities.
  • Declaration of taxes or simplified taxes adopted by tax authorities.
  • Certificate from the tax authorities on financial indicators for the last 24 months.


The following persons can take advantage of concessional mortgage loan:

  • The following members of young families:
    • Family members of the martyrs (husband/wife, children);
    • National Heroes (themselves, husband/wife, children);
    • Refugees/IDPs or persons equated to them;
    • Persons working in public service for at least 3 years, including those undergoing a special form of public service;
    • Persons working as a teacher in a comprehensive school for at least 5 years;
    • Holders of a PhD degree;
    • Persons with special merits in sports (honoured physical culture and sports workers, winners of nationwide competitions, prize winners (I, II or III places) of international competitions).
  • Holders of a doctoral degree;
  • Persons working in public service for at least 15 years, including those undergoing a special form of public service;
  • Persons in military service (except conscripts) for at least 3 years, as well as military personnel of the Republic of Azerbaijan, sent to reserve or retirement (other than military personnel sent to reserve or retirement in accordance with paragraphs 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 conscription and military service”).
  • Persons with a special rank serving in the internal affairs bodies for at least 3 years;
  • Researchers working in a scientific position for at least 3 years.

Note: Individuals or families entitled to use a soft credit may use this right only once.

Credit calculator

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* For more precise information please visit the nearest branch of AtaBank.