Business loans

 

Target audience

Individuals and legal entities engaged in business

Areas

Trade, Manufacturing, Industry, Services, Agriculture

Experience

At least 6 months

Loan purpose


1. Purchase or construction of fixed assets

2. Increase of turnover funds

Amount

More than 20 000 AZN, USD

Value

AZN, USD

Period

to 36 months

Grace period

Depending on the project

Method of payment Annuity
Interest rate

Manat loans - starting from 16%

US dollar loans - starting at 6%

AAIR

AZN  -  from 16.43%

USD  -  from 6.40%

Comission 

up to 50.000 AZN - 1% 

more than 50.001 AZN - 0.6%

Guarantee
  •   Property (land, property, apartment)

  •    Machine and equipment

Documentation

List of the documents specified in the rules of documentation

 

An example of a loan (AZN)

                   Amount (AZN)

 Interest rate up to 24 month

Interest rate from 25 to 36 month 

      20 001 – 50 000 AZN      20-22%    21-23%
       50 001 – 100 000 AZN      18-20%    18-21%
     100 001 – 500 000 AZN       17-18%

   18-19%

               500 001 AZN - >                                            16-17%    17-18%

An example of a loan (USD)

         Amount (USD)

   Interest rate up to 24 month

 Interest rate from 25 to 36 month
    12 000 – 50 000 USD       10-11%
   11-12%
       50 001 – 100 000 USD       9-10%    10-11%
     100 001 – 500 000 USD       7-8%

   8-9%

              500 001 USD- >              6-7%    7-8%

 

 

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