Preferential mortgage loans "MIDA" - Bank BTB
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Criteria Terms
Amount Max. 100000 AZN 
Period 3 -  30 years
Annual interest rate 4% per year
The initial payment Min. 10%
Payment Annuity




Documents required for acquiring a mortgage loan

  • Identity card of the borrower (joint borrower) and a copy thereof.
  • Copy of the certificate of marriage (or divorce).
  • Copy of identity cards of adult and juvenile family members living together with the borrower (joint borrower).
  • Reference about the family composition of the borrower (joint borrower)
  • The borrower’s (joint borrower’s) contract of employment or a copy of the employment record book verified by the relevant HR Department (each page shall be verified)
  • Documents confirming the borrower’s (joint borrower’s) incomes (references from the primary employer and additional employer if applicable, bank extractions from the salary cards etc.)
  • Mortgage property appraisal certificate
  • Copy of only cover part of the SSPF and salary card
  • In case the employer of the borrower (joint borrower) is a private institution, an extract from the individual personal account data within the last 12 months (B3 form verified by the private institution) and the tax statement of the private institution for the last one year (verified by the relevant tax authority)

Documents required if the borrower is an individual entrepreneur

  • Entrepreneur’s certificate of registration by the tax agencies (copy thereof).
  • Tax report or a simplified tax statement approved by the tax agencies.

Additional documents required in case the borrower belongs to a preferential category

  • A document stating that the borrower belongs to a preferential category. Note: Copies of the presented documents must be certified by a notary public.

Terms of use

The following persons have the right to use preferential mortgage loans:

1. Following members of young families:

  • Members of martyr’s family (spouse, children);
  • National Hero (themselves, spouse, children);
  • IDPs or persons with an equivalent status;
  • Person who was employed as a public servant for at least 3 years, as well as those who serve for a special type of public service;
  • Teacher working for a general education school for at least 5 years;
  • Person with PhD degree;
  • Persons with outstanding athletic accomplishments (honorary physical education and athletic trainers, winners of national competitions (I place), medalist of international competitions (I, II or III place)).

2. Person with the degree of doctor of sciences;

3. Person who was employed as a public servant for at least 15 years;

4. Military servicemen of the Republic of Azerbaijan employed in the military service for at least 3 years, including those who are in the reserve forces and those who are retired from military service (except for the active military servicemen), (except for the military servicemen who are in the reserve forces and those who are retired from military service in the cases specified by the clauses 41.0.6, 41.0.7, 41.0.8, 41.0.10, 42.0.3, 42.0.4 and 42.0.5 of the Law “on military title and military service” of the Republic of Azerbaijan);

5. Person with special title who served for the authorities of internal affairs for at least 3 years. Note: The family or person having right to use preferential mortgage loan, may use this right only once.





"Sənaye" Branch

A. Jamil, 51, Baku, Yasamal, Azerbaijan

Abdulrahman Adgozalov (Head of Branch) - (050) 300 78 78

Javid Gasimov (responsible person) - (050) 278 36 58



"Azadlıq" Branch

Bakikhanov str, Azadlıq ave 128P, Baku, Azerbaijan

Anar Huseynov (Head of Branch) - (050) 402 00 41

Rafat Ahmadov (responsible person) - (050) 286 85 34



"Həzi Aslanov" Branch

M.Hadi str 65, Khatai, Baku, Azerbaijan

Elnur Madatov (Head of Branch) - (050) 276 48 88

Elvin Abdullayev (responsible person) - (050) 278 36 55


"Əcəmi" Branch

Javadkhan str., 3005 sg 11, Nasimi, Baku, Azerbaijan

Famil İbrahimov (responsible person)  - (055) 268 89 35

Elvin Abdullayev (responsible person) - (050) 278 36 55


"Sumqayıt" Branch

3rd quard, Azadlıq str 7, 6/21 Sumqait, Azerbaijan

Asif Eminov  (responsible person) - (055)  205 77 56

Rustam Guliyev  (responsible person) -  (051) 270 28 68


"Gəncə" Branch

Ataturk ava 234, Ganja,  Azerbaijan

Urfan Mammadov (Head of Branch) - (050) 218 69 56

Marziya Haydarova  (responsible person)- (051) 240 45 01


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