--- description: İpoteka və Kredit Zəmanət Fondu hesabına 150.000 AZN-dək, 30 illik müddətdə təklif olunan dövlət ipotekası kreditinə indi müraciət edin. title: Dövlət İpotekası Şərtləri- Birbank Dövlət İpoteka Kalkulyatoru -Ipoteka.birbank.az image: https://ipoteka.birbank.az/assets/images/logo/logo2025.svg --- ## Standard mortgage (MCGF funds) Mortgage loan provided with the funds of the Mortgage and Credit Guarantee Fund of the Republic of Azerbaijan (ARİKZF). [Go to the Portal](https://www.e-gov.az) ![card-img](https://ipoteka.birbank.az/assets/images/icons/npurset.svg) Down payment from 10 % ![card-img](https://ipoteka.birbank.az/assets/images/icons/nwallet.svg) Maximum loan amount 150 000 AZN ![card-img](https://ipoteka.birbank.az/assets/images/icons/npercent.svg) Annual interest rate from 7 % ## How to apply for state mortgage loan? To apply for a state mortgage loan, you need to register through the “Electronic Mortgage and Loan Guarantee” system on the Electronic Government Portal (www.e-gov.az). To access the system, you need to have an enhanced electronic signature (E-imza, ASAN Imza). [Go to the Portal](https://www.e-gov.az/) [Instructions](https://ipoteka.birbank.az/assets/document/elektron-qeydiyyat-telimati.pdf) [Download list of documents![download](https://ipoteka.birbank.az/assets/images/icons/download-pdf.svg)]() ![](https://ipoteka.birbank.az/assets/images/static/standart.png) Mortgage calculator (ARİKZF fund) Select guarantee type Apartment cost (₼) Mortgage term Down payment Loan amount 0₼ Interest rate0% Monthly payment0₼ Down payment0% # Detailed information about the mortgage Mortgage termsRequired documentsMortgage partners - - ![header-img](https://ipoteka.birbank.az/assets/images/static/doc.svg) Digər şərtlər