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High-quality education undoubtedly is the base  of successful career! 

If you want to study in a local or foreign university, Xalq Bank will help you.  Loan for study, for amount up to 150 000 AZN, issued for 5 years at annual rate 11% 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 - 20 000 AZN

With the pledge of personal property: 500 - 150 000 AZN
With the pledge of real estate: 500 - 150 000 AZN


1 - 60 months

Annual interest rate 

With the guarantee of an
individual/ legal entity:  60 month - 11%
With the pledge of a car: 48 month - 11%
With the pledge of real estate: 60 month - 11%

Service fee  

0.2% of the loan amount (min.20 AZN,
max.1 000 AZN)


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



Education loans in the regions have following conditions:



Interest rate

Amount AZN (max.)

Consumer loans issued under the guarantee of physical and legal persons






10 000

Consumer loans covered by collateral on immovable property


Immovable property






Requirements to Borrower and Guarantor:


20 - 70 (by the end of credit payment period)

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?


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.