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Student

High-quality education undoubtedly is the base  of successful career! Xalq Bank will change your future!   

If you want to study in a local or foreign university, Xalq Bank will help you.  Loan for study, for amount up to 100 000 AZN, issued for 4 years at annual rate 15% will be a solid support to your future. 

If you want to get a long term Student loan on a favorable interest rate, please provide real estate for collateral.

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Loan amount 

With the guarantee of individuals:  500 - 10 000 AZN

With the pledge of personal property: 500 - 100 000 AZN
With the pledge of real estate: 500 - 100 000 AZN

Term

1 - 48 months

Annual interest rate 

With the guarantee of an
individual/ legal entity: 15%
With the pledge of a car: 15%
With the pledge of real estate: 15%

Service fee  

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

Collateral 

Guarantee of individual/ legal entity
Pledge of personal property/ real estate

 

 

Education loans in the regions have following conditions:

Collateral

 Guarantee

Interest rate

Amount AZN (max.)

Consumer loans issued under the guarantee of physical and legal persons

 

Guarantee

 

15

 

50000

Consumer loans covered by collateral on immovable property

 

Immovable property

 

15

 

20000

 

Requirements to Borrower and Guarantor:

Age

Over 23 years

Minimum length of service on the last job

6 months (the loan may be issued on the student name as well as on parents name)

Other requirements

Positive credit history of the Borrower

 
 

* Valid maximum term of the car release date at the end of the loan period:

Cars produced in Iran, China and CIS - 5 years;
Cars produced in Germany, Japan and the United States - 15 years;
Cars produced in other countries - 10 years

 

 

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 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);
  • The Agreement with the University and invoice;
  • Documents related to the collateral.  

Documents submitted by the Guarantor - legal entity: 

  • Certificate of state registration of legal entity in the State bodies;
  • Charter of the legal entity;
  • Statement of accounts for the last 12 months (month-by-month).

 

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

 

 

 

Do you want to get a loan?

Loan amount

15 Months

15 %

Can i get a loan?

Back

15 Months

15 %

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Dear customer, you are eligible to apply for the loan. For more information please visit our branches.
Dear customer, you can not eligible to apply for the loan with current conditions. For more information please visit our branches.