Mortgage calculator
Work out your monthly payment and pick the term that's optimal for your income. The calculator is framed around the buyer, not the bank: it recommends the shortest term that fits your budget, because the shorter the term, the less total interest you pay.
Mortgage calculator
- Mortgage amount
- 0 ₼
- Total interest (20 yrs)
- 0 ₼
- Left for living
- 0 ₼
| Term | Monthly, ₼ | Total interest, ₼ |
|---|---|---|
| 5 yrs | 0 | 0 |
| 10 yrs | 0 | 0 |
| 15 yrs | 0 | 0 |
| 20 yrs | 0 | 0 |
| 25 yrs | 0 | 0 |
| 30 yrs | 0 | 0 |
An estimate; a bank's actual terms (fees, insurance) may differ.
How it works
The monthly payment is computed with the standard amortization formula: from the loan amount (property price minus the down payment), the annual rate and the term, you pay the same amount every month. A longer term lowers the payment but raises the total interest.
Enter your income and the calculator recommends the shortest term that meets two conditions: the payment stays under 70% of income, and at least the living minimum (317 AZN for the working-age population in 2026) is left after the payment. That keeps the choice both economical and safe.
Every term is shown side by side so you can see the trade-off between the monthly payment and the total interest. This is an estimate only; a bank's actual terms (fees, insurance, variable rates) may differ.