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Preferential mortgage eligibility

Two questions: do you qualify for the 4% preferential rate (category), and can you carry the payment (the income rule)? Pick your category, enter the property price and your income, and see which mortgage track you land on and what's left to fix.

Preferential mortgage eligibility

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Your category
Enter the property price and your monthly income to see the result.

This is a preliminary check, not legal or financial advice. The final decision rests with the bank and the Mortgage and Credit Guarantee Fund; conditions and annual limits can change.

How it works

The preferential mortgage (4% a year, up to 100,000 ₼, up to 30 years, 10% down) is reserved for specific categories: martyrs' families, war heroes, state employees and teachers with 15+ years, military personnel, doctors of science, young families (both spouses under 35) and several others. A family can use this benefit only once.

If you don't fit any of those categories, the ordinary state mortgage (8% a year, up to 150,000 ₼, up to 25 years, 15% down) is open to any citizen.

Both tracks share one solvency rule: the monthly payment can't exceed 70% of your income (together with a spouse's income where needed), and at least the living minimum (317 ₼ for 2026) must be left after the payment. The checker finds the shortest term that fits your budget.

This is a preliminary check only - the final decision rests with the bank and the Mortgage and Credit Guarantee Fund. Applications are filed on the e-gov.az portal with ASAN İmza.

Frequently asked questions

Eligible groups include martyrs' families, Patriotic War and National Heroes and their families, state employees and state-school teachers with 15+ years of service, military and internal-affairs personnel with 3+ years, judges, doctors of science, journalists, and young families (both spouses under 35). The full list, with the service-year requirement for each category, is set out in the Fund's rules.
The annual rate on the preferential mortgage is capped at 4% (3.7% on guaranteed loans). The ordinary state mortgage is up to 8% (7% guaranteed). Banks' own internal mortgages typically run 10-16%.
The maximum on the preferential mortgage is 100,000 manat, the term up to 30 years, and the minimum down payment 10%. The ordinary mortgage allows up to 150,000 manat, a term up to 25 years and a 15% down payment.
The monthly payment can't exceed 70% of the borrower's average monthly income over the last 12 months (together with a spouse or co-borrower where needed). If income falls short, you can add a spouse or another family member as a co-borrower.
A family or person entitled to a preferential mortgage can use that right only once in a lifetime.
Applications go through the 'Electronic mortgage and credit guarantee' system on the e-gov.az portal using ASAN İmza (or SİMA İmza). The annual limit opens on a set date and can run out quickly, so it's worth setting up your electronic account in advance.