"Mənzil" loan

Mortgage loan is a product intended for the purchase of apartments without a title deed in newly built residential complexes.

Mortgage loans up to 300 000 AZN are issued for a period of up to 20 years with an annual interest rate between 9% and 11%.

* Terms might change depending on the partner company.

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"Mənzil" loan calculator

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Requirements for the customer

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Maximum amount 300 000 
Duration Up to 120 months From 120 to 240 months
Annual interest rate 9% 11%
Minimum down payment1 20%
Security Pledge of purchased property
Type of payment Monthly annuity
Commission fee 1%
AAIR 9.24%
Fine for delay No fine

1BGN əmsalı 70%-dək olduqda və borcalanın mülkiyətində yaşayış sahəsinin olmamasını təsdiq edən sənəd olduqda – ilkin ödəniş minimal 10%-dək azaldıla bilər.

Note: "Mənzil" loan are issued in Sabail, MXD, Sumgayit, Narimanov and Binagadi branches.

Frequently Asked Questions

About a mortgage loan

  • What is mortgage loan?

A mortgage product is offered to customers who want to buy an apartment in a building built by a construction company that partner with the Bank ABB.

  • What are the advantages of mortgage loans?

No insurance costs (no property and life insurance).

No demand for customer income.

    • What apartments can be bought with mortgage loans?

    You can buy an apartment in a building built by construction companies with which is a partner with the Bank ABB.

    • Which construction companies do the Bank ABB currently cooperate with?

    Kristal Absheron, Khazar Inshaat, XXI ESR, Melissa Group, Sea Breeze (Nardaran), Xalq City, AS tikinti, Grand Hayat, Avant Park, Baku Pearly Residence.

    • How many apartments can I buy with mortgage loans?

    According to terms, 1 customer can take max. 2 parallel mortgage loans. The combined amount of the two loans should not exceed AZN 300 000.

    • Can I buy a country house or villa with a mortgage?

    There is a sale of villas in the residential complex Sea Breeze (Nardaran). You can buy a villa in that residential complex.

    • Which branches can I get a "Mənzil" loan from?

    You can get a "Mənzil" loan from Sabail, MXD, Sumgayit, Narimanov and Binagadi branches.

    What is the term for getting a mortgage loan?

    • Loan terms

    Amount – 300 000 AZN, Duration – up to 240 months, Interest – 9%-11%

    • Down payment requirements

    The minimum down payment requirement is 20%. The amount of the down payment may vary depending on the conditions applied by the construction companies.

    • Client income requirements

    There is no demand for the customer's income.

    • Is there a guarantee?

    There is no guarantee.

    • What is the minimum salary to apply?

    There is no requirement for the client's income in mortgage loans.

    • I have 3 children. Does my family's expenses allow me to take out a mortgage?

    The customer's expenses are not taken into account when issuing mortgage loans.

    • Is there a need of a guarantor or collateral to get a mortgage loan?

    There is no need for a guarantor to get a mortgage loan, as the purchased apartment does not have an title deed, the apartment will be owned by the bank after receiving an title deed for the apartment.

    • Is work experience required?



    Do you receive a salary or pension from ABB?
    Do you receive a salary or pension from ABB?
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