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Consumer

To meet our customers’ demands in consumer goods, Xalq Bank offers wide spectrum of loan products on different terms that can satisfy requirements of every customer.

Our experts will select for you the most favorable conditions. You can use our credit products for the purchase of various consumer goods, organization of celebrations and solving of other priority tasks. Consumer lending program with Xalq Bank provided for 4 years will be a great help in solving problems.

Having taken consumer credit in the Xalq Bank you will have the following advantages:

  • Wide range of the pledge items (real estate, cars, guarantee, deposit);
  • Favourable interest rate;
  • 4-year term of the loan;
  • Low commission.

Personal employed in science, education and medical organizations, executive power, judicial authority and law-enforcement bodies can get consumer loans in Xalq Bank at a lower rate.

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Loan amount 

With the guarantee of individuals:  500 - 10 000 AZN
With the pledge of personal property: 500 - 30 000 AZN
With the pledge of real estate: 500 - 100 000 AZN

With the pledge of deposit: 60 - 80% of deposit amount 

Term

With the pledge of vehicle and real estate - 1 - 48 months
With the guarantee of individuals – 1 - 24 months
With the pledge of deposit – depends on deposit term 

Annual interest rate

With the pledge of real estate: 16 - 20%

With the pledge of car: 16 - 20%

With the guarantee of
individuals/legal entities: 
16 - 20%

With the pledge of deposit:  deposit rate+  2 or 4% in case of deposit security in foreingn currency 10% per annum)

Collateral 

The guarantee of individual/legal entity

 

Repair loans conditions are as following:

Collateral

          Guarantee

Interest rate

Amount AZN (max.)

Consumer loans issued under the guarantee of physical and legal persons

 

Guarantee

 

16-20

 

10 000

Consumer loans issued with real estate collateral

 

Real estate

 

16-20

 

100 000

Deposit

+2% or 4%

in case of deposit security in foreign currency 10% per annum

Consumer loans issued  with automobile collateral

Automobile

16-20

30 000

 

Service fee

0.1% of the loan amount (min. 10 AZN,
max. 1 000 AZN)

Requirements to Borrower:

Age

Men: till 65 years

Women: till 65 years

Minimum length of service on the last job

6 months (the loan can be issued in the name of the student or his/her parents) 

Other requirements

Positive credit history of the Borrowe

 

Whenever guarantor is a legal entity, money turnover on all current accounts of the guarantor for the last 12 months must not be less than 15 000 AZN in a quarter.

 

Consumer loan with the guarantee of individual/legal entity

Documents submitted by the Borrower and Guarantor – individual:  

  • Application for loan (in a form approved by the Bank);
  • ID of the Borrower and Guarantor;
  • Certificate of earnings (for the Borrower and Guarantor):
     - reference from the employer, with the indication of position and salary for the last  6 months (month-by-month)  
     - for entrepreneurs:  copy of certificate of registration in the State bodies and tax declaration for the last 2 quarters;
  • Document about military service (or exemption from military service) (if the Borrower is a man).

Documents submitted by the Guarantor - legal entity  

  • Certificate of State registration of legal entity;
  • Account statement for the last 12 months ( month-by-month)
  • Decision of the Superior body (Minutes of the Board meeting) about the provision of guarantee and authorization of representative of legal entity to sign the Contract of guarantee (if such authority is not specified in the By-laws of the organization).

Consumer loan upon security of real estate

Documents submitted by the Borrower 

  • Application for loan (in a form approved by the Bank);
  • ID of the Borrower and Guarantor;
  • Certificate of earnings (for the Borrower and Guarantor):
     - reference from the employer, with the indication of position and salary for the last  6 months (month-by-month)  
     - for entrepreneurs:  copy of certificate of registration in the State bodies and tax declaration for the last 2 quarters;
  • Document about military service (or exemption from military service) (if the Borrower is a man).
  • Documents for the pledged real estate :
     - document confirming the right of property for pledged property (deed of ownership and if necessary, technical passport)
     - statement from the State Service for Registration of Real Estate  (Form № 1)
     - statement from the place of residence (composition of family) (Form № 2)
     - written permission  for the pledge of property from all other owners and also persons registered at this real estate
     - payment receipt (for the input of information regarding pledge into the real estate register)  

Consumer  loan  upon  security  of  vehicle

Documents  submitted  by  the Borrower 

  • Application for loan (in a form approved by the Bank);
  • ID of the Borrower and Guarantor;
  • Certificate of earnings (for the Borrower and Guarantor):
     - reference from the employer, with the indication of position and salary for the last  6 months (month-by-month)  
     - for entrepreneurs:  copy of certificate of registration in the State bodies and tax declaration for the last 2 quarters;
  • Document about military service (or exemption from military service) (if the Borrower is a man).
  • Documents for pledged vehicle:
    -technical passport, before and after (with the indication of information that the car is an object of pledge) conclusion of the Contract with the Bank.      

Consumer credit upon security of deposits  placed in Xalq Bank 

  • Application for loan (in a form approved by the Bank);
  • ID of the Borrower;
  • Document about military service (or exemption from military service) (if the Borrower is a man);
  • Documents required in a case if deposit belongs to a third person:

For individuals:

  • ID of the Borrower

For legal entity:

  • Certificate of  State registration of legal entity;
  • The Charter of the entity
  • Decision of the founders about use of deposit as a pledge (if not envisaged otherwise in By-laws)

 

To make decision about the issuance of the loan the Bank has right to request additional information, as well as the documents necessary for the confirmation of submitted information.

 

 

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Loan amount

15 Months

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15 Months

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