AZE.US
A new round of mortgage lending is set to begin in Azerbaijan this week, with the Mortgage and Credit Guarantee Fund allocating fresh limits to authorized banks for 2026.
According to official information, applications will open in two stages:
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Standard mortgages – starting March 5
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Concessional (preferential) mortgages – starting March 6 at 11:00 a.m.
Applications must be submitted electronically through the “Electronic Mortgage and Credit Guarantee” system using a verified digital signature.
Loan Amounts and Key Differences
The maximum loan amounts remain:
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Up to 100,000 AZN for concessional mortgages
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Up to 150,000 AZN for standard mortgages
Concessional loans typically offer lower interest rates and are aimed at specific social categories, while standard mortgages are available to a broader group of applicants.
Which Properties Qualify
Eligible properties generally include:
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Apartments in older residential buildings
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Units in multi-story residential complexes
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Private houses with proper ownership documentation
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Properties with fully registered land and construction documents
Real estate analysts note that the launch of new mortgage limits often triggers a short-term increase in demand – particularly in Baku and other major cities – which can place upward pressure on prices.
What Applicants Should Do Now
Prospective borrowers are advised to create or update their electronic accounts before the launch date to avoid technical delays once the system opens.
User guidelines and detailed instructions are available on:
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The official website of the Mortgage and Credit Guarantee Fund
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Azerbaijan’s e-government portal
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The MyGov digital services platform
Mortgage launches in Azerbaijan typically attract strong demand within the first hours of opening. Preparation, experts say, is essential.