Education loan

Type of loan to cover educational expenses for educational institutions.

Lending conditions:

  • Amount: min. 1 000 - max. 20,000 AZN
  • Term: min. 3 months - max. 12 months
  • Annual interest rate: 19 %
  • Lending fee: 1%
  • Loan currency: Azerbaijani manat (AZN)
  • Type of payment: Annuity (in equal monthly parts)

Required documents:

  • Document confirming official income (digital certificate, etc.)
  • Identity card and contract signed with the educational institution

Car loan

You can benefit from car loan on favourable terms offered by Private Banking.

Lending conditions:

  • Term and annual interest rate:
    1. 12 months – 15,5%;
    2. 18 months – 16%;
    3. 24 months –16,5%;
    4. 36 months – 17%;
    5. 48 months – 17,5% 
  • Lending fee - 0.5%
  • The initial payment :
    1. for cars worth up to 30,000 AZN (including 30,000): min 50%;
    2. for cars worth more than 30,000 AZN: min 40%
  • Loan currency - Azerbaijani manat (AZN)
  • Type of payment - Annuity (equal monthly parts)

Required documents:

  • Document confirming officially income (digital certificate, etc.)
  • Identity card and technical passport of the car

Property-secured loan

Cover your expenses with a property-secured loan on special terms.

Lending conditions

  • Amount: Possibility to get a loan up to 65% of the value of real estate pledged as collateral
  • Loan term - min. 3 months - max. 84 months
  • Annual interest rate - starting at 18%
  • Lending fee - 1%
  • Loan currency - Azerbaijani manat (AZN)
  • Type of payment - annuity (equal monthly parts)

Required documents

  • Document confirming official income (digital certificate, etc.)
  • Identity card and Extract from the State Register

Premium Instalment card

BirKart allows its holder to use the credit line and benefit from an interest-free INSTALMENTS for up to 18 months, a grace period of up to 40 days and cash withdrawal at any time.

  • Interest-free payments (grace period) for non-cash transactions for up to 40 days
  • More than 3,000 partner stores for installment payments
  • Ability to pay in installments for up to 18 months
  • Possibility of withdrawing cash with an annual interest rate starting at 22%