• The client's workplace must be in the region.

• The client must have an official income under the employment contract.

• The annual interest rate is set at 6%.

• Baku, Absheron and Sumgayit territorial units are excluded in the mortgage zone.

• The loan is intended for customers with a minimum of 18 and a maximum of 35 years.

• The cost of the apartment should be a maximum of 60,000 AZN.

• The area of the apartment is maximum 100 sq.m. (the total area of the extract is taken into account).

• The subsistence minimum is 50 AZN for each family member.

• There should be no delay in the current date and no delay of more than 90 one-time (90+ in CCR) on any loan obligation (closed or active) for the last year.

• The monthly payment on a mortgage loan is calculated up to 70% of the monthly net income.

• The total amount of loan payments and other expenses is calculated up to 100% of monthly net income.

• The appraisal of the apartment is carried out by Kapital Bank OJSC with an internal appraisal.

• Deductions from basic and additional income (income tax, social insurance, etc.);

• Mortgage insurance payments;

• Borrower's life insurance payments;

• Expenses related to the / will be owned residential area (maintenance, utilities, etc.);

• Maintenance costs for family members and dependents (when referring to family members, the client must also be taken into account)

• Payments on other obligations, alimony, surety obligation, etc.