Mortgage loan calculation
Calculate monthly payment, total interest and repayment schedule for your mortgage
Last updated: 28.07.2026
Input data
Mortgage type
Calculation mode
Personal information
Gender:
Subsistence minimum (270 AZN) is deducted per family member
Income information
Credit parameters
Loan guarantee:
Credit conditions
Max loan: 150.000,00 AZN
Max term: 25 years
Min down payment: 15% of property value
The monthly mortgage payment is calculated using the annuity method. With this method, the same amount is paid each month, but the ratio between interest and principal changes over time. In the early months, most of the payment goes to interest and less to principal repayment. In Azerbaijan, ARIКЗФ (Mortgage and Credit Guarantee Fund) offers mortgages on preferential terms. The preferential rate is 8% annually, while regular mortgage rates vary by bank.
- –Law on Mortgage — mortgage terms and conditions
- –ARIКЗФ rules — preferential mortgage criteria
- –Central Bank regulations — interest rate regulation
- –Civil Code — Articles 271-280 (pledge rights)
Last updated: January 2026
What is the difference between ARIКЗФ and regular mortgage?
ARIКЗФ preferential mortgage is offered at a fixed rate of 8% annually and is state-supported. Regular bank mortgages can range from 12-18% depending on the bank. Income and other criteria are required for ARIКЗФ mortgage.
What is the minimum down payment?
For ARIКЗФ preferential mortgage, the minimum down payment is 20% of the property value. For regular bank mortgages, this threshold varies by bank.
What is the maximum mortgage term?
The maximum term for ARIКЗФ mortgage is 30 years. For regular bank mortgages, the term is usually 20-25 years.
Is there a minimum income requirement for a mortgage?
Yes. For ARIКЗФ mortgage, the family's total income must be at least 3 times the monthly payment. The specific amount depends on the loan size.
Is there a penalty for early repayment?
There is no early repayment penalty for ARIКЗФ mortgage. For regular bank mortgages, early repayment terms vary by contract.
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