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Commercial Mortgage


Commercial mortgages are intended for the obtaining office, trade industrial and other commercial real estate and non-residental premises.


Commercial mortgages are offered to individuals and legal entities for a period of 15 years, with an interest rate starting from 10% per annum. The minimum loan amount is AZN 50,000, and there is no limit on the maximum amount based on agreement. The advance payment is composed 30% of the value of commercial real estate purchased under the terms of the loan. The loan can be issued in the names of the three joint borrowers.

By obtaining a mortgage from Xalq Bank, you will receive the following advantages:

  • Higher amount - more than 50 000 AZN;
  • Low interest rate - starting from 10%;
  • Loan term - up to 15 years;
  • The number of co-borrowers – up to 3 individuals/legal entities;
  • Lower fee (0.2% of the loan amount); 

Loan amount

Starting-from 50 000 USD

Term of loan

Up to 180 months

Interest rate

Starting from 10%

Advance fee

30% of the value of commercial real estate


Real estate


0,2% from loan amount (min 20 AZN, max 1 000 AZN)

The borrower and the guarantor requirements:


Legal entities


The period of entrepneurial activity

min 24 months

min 6 months

Financial status of the client's business

The positive result of the financial-economic analysis

Other requirements

The lack of negative credit history

Here is the list of documents required for the commercial mortgage.


The Bank has the right to request additional information, as well as the necessary documents confirming this information to make a decision for issuing of the loan.


For further information on commercial mortgage please call to 138 Information center and visit our branch offices in order to get a loan.




Do you want to get a loan?

Loan amount

15 Months

15 %

Can i get a loan?


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.