Internal mortgage

Internal mortgage product by ABB offers customers to purchase an apartment or a detached house on more affordable terms at the expense of the Bank's internal funds.

Who can benefit ?

Internal mortgage calculator

15% 100%
0 1000000
1 y 25 y
Initial calculation
*Salary calculated after deduction of tax and social insurance payments..
0 Minimum initial payment
0 Monthly loan payment
0 Loan amount
0 % Annual interest rate
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Requirements for the customer

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Maximum amount

500 000 AZN


up to 120 months

from 121 months to 300 months

Annual interest rate

Note: Annual interest rate on a mortgage loan can vary depending on the customer's total income.



Minimum down payment

Reputable or corporate retail segment customers - 15%

Other customers - 25%

Commission fee



Life insurance


The insurance contract is executed before the expiration date of the loan agreement.



1. With the pledge of the acquired property

2. In the absence of a deed title from the acquired property with the pledge of other property1

Dept-to-income ratio (DTI)

70%2 (without taking into account other obligations)

Discounts for youth

Minimum down payment – 20% (when it belongs to a reputable or retail segment min. 15%)

0.5% commission

1The market value of the real estate should be 150% of the loan amount.

2The monthly amount to be repaid on a mortgage loan should not exceed 70% of the total monthly income of the borrower (borrowers). This requirement may not be taken into account when the detached apartment is purchased directly from the Apartment Complex or the client pays at least 40% of the value of the apartment.

Note: Internal mortgage loans are issued in Central, Yasamal, Sabail, MXD, Sumgayit, Narimanov and Binagadi branches.

Frequently Asked Questions

About Internal mortgage

  • What is an Internal mortgage?

With Internal mortgage, customers will be able to purchase a house on favorable terms at the expense of the ABB’s internal funds.

  • What are the advantages of this product?

You will have an apartment with a minimum down payment of 15% and a loan term of up to 25 years.

  • Who can benefit from this product?

Citizens of the Republic of Azerbaijan between the ages of 20 and 60 who receive an official salary can benefit from this product.

  • How to get the product?

After completing the initial analysis of the required documents, you can become a homeowner on preferential terms at the expense of the ABB’s internal funds.

  • Which branches can I get a domestic mortgage from?

You can get a domestic mortgage from Sabail, MXD, Sumgayit, Narimanov and Binagadi branches.

What are the conditions for obtaining an Internal mortgage?

  • Are there any limits on the loan amount and term?

The loan can be taken for a period of up to 25 years with a maximum of 500 000 AZN.

  • Is a commission fee required?

The commission fee is 1%.

  • What are the requirements for monthly loan repayment?

Monthly loan repayment is made on an annuity basis.

  • Is there a guarantee?

There is no guarantee.

  • Is there a collateral requirement?

The acquired property will be considered as collateral for the loan. If the acquired property is without an extract, with the pledge of real estate with another extract.

  • What are the requirements for the acquired property?

The acquired and (or) mortgaged property should be located only in the regions of Baku, Sumgait and Absheron.

  • What documents are required?

ID, bank statement for the last 12 months (minimum 6 months) or a certificate from the e-government portal.

  • Is work experience required?

Work experience in the last job must be at least 6 months.

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