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Renovation

After some period of time every apartment or home requires renovation.

For these purposes Xalq Bank offers you a loan for amount up to 100 000 AZN. Loan for home renovation is issued for a period of 48 months, starting from 16% annual interest rate. Apply, take a loan and repair your apartment!

Having taken home renovation loan in Xalq Bank you will have the following advantages:

  • Low interest rate on the loan;
  • Access to receive money partially (in tranches); in this case interest rate is calculated only on the used part of the loan;
  • Low service fee.

We offer loans with tranche! For example, if you have been approved for 100 000 AZN amounted loan, you can partially wihdraw the amount and pay interest only for the used part of the loan.

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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

Annual interest rate

With the pledge of personal
property/real estate: 16 - 20%
With the guarantee of individuals:  16 - 20%

Service fee 

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

Collateral 

Guarantee of physical / legal persons
Pledge of personal property / real estate

 

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

500 - 10 000

Consumer loans issued with real estate collateral

Real estate

16 - 20

500 - 100 000

Consumer loans issued with automobile collateral

Automobile

16 - 20

500 - 100 000

 

Requirements to the Borrower and the Guarantor:

Age

Men: till 65 years

Women: till 65 years

Minimum length of service on the last job

6 months

Other requirements

Positive credit history of the Borrower

 

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

Required documents:

Documents submitted by the Borrower and Guarantor – an individual  

  • Application for a 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 - a 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 the 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.