K × (r × (1+r)ⁿ) ÷ ((1+r)ⁿ − 1)
The calculation still runs — these are programme-eligibility warnings only.
| Year | Principal | Interest | Remaining balance |
|---|
| Month | Payment | Principal | Interest | Remaining balance |
|---|
If you pay extra every month, how much sooner is the loan repaid?
If you make a lump-sum payment today, what is the new monthly payment?
If you pay extra every month and ask for a recalculation every 12 months:
| Period | New monthly payment | Remaining term (months) | Remaining balance |
|---|
| Condition | Ordinary mortgage | Subsidised mortgage |
|---|---|---|
| Max. amount | 150,000 AZN | 100,000 AZN |
| Max. term | 25 years | 30 years |
| Min. down payment | 15% | 10% |
| Rate (guaranteed) | 7% | 3.7% |
| Rate (non-guaranteed) | 8% | 4% |
These rates are set as ceilings. Some banks may offer lower rates in competitive market conditions, but doing so always requires the approval of the Mortgage and Credit Guarantee Fund.
The following people, as members of a young family:
Other eligible people:
Loan amount = Property price − Down paymentMonthly payment = K × (r × (1+r)ⁿ) ÷ ((1+r)ⁿ − 1)Mortgages in Azerbaijan:
The calculation uses the annuity formula and is for information only. Contact your bank and the Mortgage and Credit Guarantee Fund for exact terms.
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