Amount   300-20 000 AZN (or USD equivealent)  
Guaranty   Household supplies, business equipments, gold jewellery, real estate (house, apartment , non-residence area, land), transport means, third party’s guarantees 
 
Age limit   minimum 18 age  
Duration   maximum 36 months 
Interest rate   22% - 28%
Commission fee   0 %
Factual annual rate   21% - 29%

Grace period

  up to 6 months

Micro-business loans are designed for those who are engaged in the following sectors: 

 - Commercial (food, clothing, stationery, car spare parts, medicine, etc.);

- Production (doors and windows, furniture, etc.);

- Agriculture (dairy and butchery, cattle ranching, grain-growing, etc.);

- Services (barbershop and beauty salon, house and car repair, music, etc.);

- Transportation (cargo, passenger transportation and taxi, etc.);

- Rent (rent of houses and other premises)     

Advantages:
- The decision on granting the loan is issued within 1 day;
- Favorable interest rates;
- Daily calculation of interest (the interest calculated only for that day is paid while the loan is fully closed);
- Favorable collateral terms (the existence of any type of collateral);
- Grace period and payment plan in accordance with the business (anuitet or flexible schedule)
- Existence of the parallel loans.
 

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Hörmətli istifadəçi

Azərbaycan Respublikasında fiziki şəxslərin problemli kreditlərinin həlli ilə bağlı əlavə tədbirlər haqqında Azərbaycan Respublikası Prezidentinin Fərmanına uyğun olaraq, fiziki şəxslərin xarici valyutada əsas kredit borclarının devalvasiya ilə bağlı manatla artmış hissəsi ilə əlaqədar Maliyyə Bazarlarına Nəzarət Palatası tərəfindən hazırlanmış güzəşt kalkulyatoru