Amount     20 000 -1 000 000 AZN (or USD equivalent)  
Guaranty   real estate (house, apartment ,  non-residence area , land), transport means, third party’s guarantees
Age limit   minimum 18 age   
Duration    up to 48 months
Interest rate   18 - 22 % (USD 10-15%)
Comission rate   1 %
Factual Annual Rate    18% - 23% 
Grace period       up to 12 months


- The decision on granting the loan is issued within 3-4 days;
- Favorable interest rates;

- Evaluation of the collaterals by professional companies (real market value at the collaterals);
- 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.


Current account services
   Consumer loans
   Business loans
Plastic cards
   VISA Infinite
   "Yubiley" cards
   Mobil banking
   Cash by Code
   PIN Change
   MasterCard Money Send
   3D Secure service
   POS Credit service
   Lider deposits
   Guven deposits
   Avans deposits
Urgent money transfers
Deposit cell lease