--- description: "İpoteka krediti - Birbankın münasib kredit faizləri və şərtləri ilə mənzil sahibi olmaq daha asandır. Kreditləri əldə etmək üçün online müraciət edin. " title: İpoteka Krediti - Birbank Kredit Şərtləri, Faizləri -Ipoteka.birbank.az image: https://ipoteka.birbank.az/assets/images/logo/logo2025.svg --- ## Mortgage Whether you're seeking a spacious home for your family, a countryside house, or real estate, Birbank is here to assist. Types of mortgage All Internal mortgages Mortgage from ARİKZF fund Business mortgage Secured loan ![Mortgage on partner offers](https://ipoteka.birbank.az/api/products/photo/a4c62243-dc3f-4377-99f6-a285028bdf9f.webp) Mortgage on partner offers Mortgage loan for apartments from partners with and without a deed of ownership from 15 % Down payment from 16.5 % Annual interest rate 500 000 AZN Maximum amount [Details](https://ipoteka.birbank.az/en/partner/list) ![Mortgage on apartments with a deed of ownership](https://ipoteka.birbank.az/api/products/photo/ebe848f7-74a2-4895-8bf5-f80272d4d900.webp) Mortgage on apartments with a deed of ownership This mortgage loan, funded by the bank's own resources, is designed for the purchase of apartments (with a deed of ownership) in newly constructed buildings, old buildings, as well as private houses and countryside houses. from 15 % Down payment from 16.5 % Annual interest rate 500 000 AZN Maximum amount [Details](https://ipoteka.birbank.az/en/mortgage/internal/item/1) ![Mortgage on apartments without a deed of ownership](https://ipoteka.birbank.az/api/products/photo/24bcfac9-c36b-4756-bd26-323e34b3532c.webp) Mortgage on apartments without a deed of ownership This mortgage loan, funded by the bank's own resources, is designed for the purchase of apartments in newly constructed buildings without a deed of ownership secured by other real estate with a deed of ownership (different terms may be applied by partner companies). from 15 % Down payment from 16.5 % Annual interest rate 500 000 AZN Maximum amount [Details](https://ipoteka.birbank.az/en/mortgage/internal/item/2) ![Mortgage on other sources of income ](https://ipoteka.birbank.az/api/products/photo/e51b4451-cc1a-463a-8043-cff7337e83af.webp) Mortgage on other sources of income Internal mortgage loans are available to individuals with alternative sources of income (such as landlords, tutors, traders, specialists, etc.) and to individual entrepreneurs with or without TIN. from 15 % Down payment from 16.5 % Annual interest rate 500 000 AZN Maximum amount [Details](https://ipoteka.birbank.az/en/mortgage/internal/item/3) ![Land mortgage](https://ipoteka.birbank.az/api/products/photo/fe550405-0419-4a67-9451-1cd6422b6c4e.png) Land mortgage A mortgage loan, at the expense of the bank’s own funds, on the acquisition of a plot of land for residential development with a deed of ownership. from 15 % Down payment from 17.5 % Annual interest rate 150 000 AZN Maximum amount [Details](https://ipoteka.birbank.az/en/mortgage/internal/item/65) ![Mortgage on house construction](https://ipoteka.birbank.az/api/products/photo/09ffe695-e3ed-45cb-ad11-19e91aa44d5f.webp) Mortgage on house construction This type of internal mortgage finances the construction of private residential houses on land plots with a deed of ownership located anywhere in the country. from 15 % Down payment from 17.5 % Annual interest rate 250 000 AZN Maximum amount [Details](https://ipoteka.birbank.az/en/mortgage/internal/item/25) ![Standard mortgage (MCGF funds)](https://ipoteka.birbank.az/api/products/photo/6fa126a5-ed3c-48c0-8851-807e60205aca.png) Standard mortgage (MCGF funds) Mortgage loan provided with the funds of the Mortgage and Credit Guarantee Fund of the Republic of Azerbaijan (ARİKZF). from 10 % Down payment from 7 % Annual interest rate 150 000 AZN Maximum amount [Details](https://ipoteka.birbank.az/en/mortgage/government/item/6) ![Preferential mortgage loan (MCGF funds)](https://ipoteka.birbank.az/api/products/photo/15303255-fb15-48a6-9435-ab1e79403726.png) Preferential mortgage loan (MCGF funds) Mortgage loan provided through the resources of the Mortgage and Credit Guarantee Fund of the Republic of Azerbaijan (ARİKZF) on preferential terms. from 10 % Down payment from 3.7 % Annual interest rate 100 000 AZN Maximum amount [Details](https://ipoteka.birbank.az/en/mortgage/government/item/7) ![MIDA Mortgage loan](https://ipoteka.birbank.az/api/products/photo/142f0874-7ef7-4626-b419-64210abb42d0.png) MIDA Mortgage loan Mortgage loan with preferential terms designed for purchasing apartments built by MIDA LLC and investors who have made agreements with MIDA LLC with the support of the Mortgage and Credit Guarantee Fund of the Republic of Azerbaijan (ARİKZF). from 10 % Down payment from 4 % Annual interest rate 100 000 AZN Maximum amount [Details](https://ipoteka.birbank.az/en/mortgage/government/item/8) ![Business mortgage](https://ipoteka.birbank.az/api/products/photo/0ae96c53-8f91-43c0-9c8a-7aa904bd94cc.png) Business mortgage Business mortgage is a loan product available for legal entities or individual entrepreneurs to acquire residential or commercial properties for their business operations. from 30 % Down payment from 10 % Annual interest rate 3 000 000 AZN Maximum amount [Details](https://ipoteka.birbank.az/en/mortgage/business/item/45) Articles All articles ![blog](https://ipoteka.birbank.az/api/articles/photo/75289763-0013-4b6e-853c-8e865200d3e9.webp) Who is considered a person with other sources of income? How can they benefit from a mortgage? ![blog](https://ipoteka.birbank.az/api/articles/photo/0fc54a49-997a-4f13-8e25-8167ac1ce527.webp) Who can act as a co-borrower when applying for a mortgage, and why is a co-borrower required? ![blog](https://ipoteka.birbank.az/api/articles/photo/729cc850-72d0-4342-bc72-2828ef5a9a92.webp) What documents are required to obtain an internal mortgage, and where can these documents be obtained? ![blog](https://ipoteka.birbank.az/api/articles/photo/2b3a6112-2e87-422b-b106-4aefd4d08185.webp) What is a mortgage loan used for construction of residential buildings, and who is eligible to apply for it? ![blog](https://ipoteka.birbank.az/api/articles/photo/fa4d51b9-65e1-4c5a-89f8-9439eefa6af1.webp) İpoteka krediti nədir?