Azerbaijan 💰 AZN Last updated2026-05-28

Ipoteka Calculator Azerbaijan

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Quick answer (Azerbaijan)

A mortgage of 150,000 AZN at 8% over 25 years works out to a monthly payment of about 1.158 ₼, with total interest of 197.317 ₼ over the full term.

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Mortgage Calculator

USD

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$1,408

PITI

Principal + Interest

$1,158

57% goes to interest

Total Interest

$197,317

over 25 years

Monthly Breakdown

Principal & Interest$1,158

Property Tax (1.1%/yr)$172

Homeowner's Insurance (0.5%/yr)$78

Total Monthly$1,408

Principal vs Interest Split

43% principal

57% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Ipotekas in Azerbaijan

Typical loan

150.000 ₼

in Azerbaijan

Typical rate

8% p.a.

prime borrower, 2026

Typical term

25 years

most common

Market overview

Azerbaijan's mortgage market is led by Pasha Bank, Kapital Bank, and the International Bank of Azerbaijan (IBA), with the Central Bank of Azerbaijan (CBA) maintaining a tight de facto peg of the manat to the US dollar near 1.70 since the 2015 devaluations. The Azerbaijan Mortgage and Credit Guarantee Fund (AMCGF) runs subsidized mortgage programs — the standard "Güzəştli İpoteka" social mortgage at 4% over 30 years for eligible state employees, military personnel, and IDPs, alongside a market-rate "Adi İpoteka" product.

Why 8% is the typical rate

A rate near 8% reflects the CBA refinancing rate around 7.25%, the oil-revenue-supported AZN/USD peg, and the blended market resulting from social mortgage subsidies pulling down average effective rates.

Tax & regulatory notes

Property transfers carry a 0.3% state duty and 0.1% notary fee, with mortgages registered at the State Service on Property Issues. AMCGF refinances participating banks under Presidential Decree 89 (2018), capping subsidized loans at 150,000 AZN in Baku and 100,000 AZN elsewhere. Law on Mortgage of 2005 (No. 1057-IIQ) and Civil Code provisions govern foreclosure, with judicial procedures required for residential evictions.

🧮 Worked example

A mortgage of 150,000 AZN at 8% over 25 years

Loan amount

150.000 ₼

Annual interest rate

8%

Term

25 years (300 months)

Monthly payment

1.158 ₼

Total interest paid

197.317 ₼

Total paid (principal + interest)

347.317 ₼

❓ FAQ (Azerbaijan)

Common questions in Azerbaijan.

Güzəştli ipoteka kimə verilir?

Güzəştli ipoteka dövlət qulluqçuları, hərbçilər, müəllimlər, həkimlər və məcburi köçkünlər üçün AMCGF tərəfindən Pasha Bank, Kapital Bank və ABB vasitəsilə 4% illik faizlə təqdim edilir.

Adi ipoteka ilə güzəştli ipotekanın fərqi nədir?

Güzəştli ipoteka dövlət subsidiyalı 4% illik faizlə, maksimum 150 000 AZN Bakıda; adi ipoteka isə bazar faizi ilə (6-12%) və daha yüksək məbləğlər üçün verilir.

Minimum ilkin ödəniş nə qədərdir?

Güzəştli ipoteka üçün ilkin ödəniş 15%, adi ipoteka üçün isə adətən 20-25% təşkil edir; AMCGF zəmanəti ilkin ödənişi bəzən 10%-ə endirə bilər.

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