“DemirBank” offers standard and social mortgage loans to population at the expense of the bank’s capital and the Azerbaijan Mortgage Fund within the appropriate state program.

According to the terms and conditions of mortgage loans, disbursed within the state program, standard mortgage loans are issued for the period of 25 years at 8% annual interest rate, while social mortgage loans are issued for the period of 30 years with annual interest rate of 4%. Social mortgage loans are available only to certain social groups, including members of martyrs' families, national heroes (including family members), internally displaced persons, civil servants with work experience of at least 3 years, holders of Ph.D degree and persons with extraordinary sport achievements. Besides, social mortgage is available to servants of the Defense Ministry, National Security Ministry, Interior troops of the Interior Ministry, State Border Service and Special State Defense Service of the Republic of Azerbaijan (except for persons in military conscription).

It should be noted that mortgage loan privileges can only be applied one time to an eligible family (person).

“DemirBank” offers a number of consumer products to population within various programs. This includes car loan, loans for employees of educational and public health sectors, loans to state officers, furniture and consumer equipment loans and other types of consumer loans.