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Construction and real estate · Azerbaijan
Mortgages: the state channel grows, banks pull back
Rate on new loans: MCGF funds7.04%■ 0 ppH1 2026; unchanged
Rate on new loans: banks' own funds12.76%▲ +0.4 ppH1 2026
Share of MCGF-funded loans in the portfolio58%end of June 2026
Mortgages issued by banks, January–August262.9 mn ₼▼ −13.7%versus the same period last year
Budget funds for social mortgages, January–August63.75 mn ₼▲ +33.5%versus the same period last year
| Category | ||
|---|---|---|
| Rate on new loans: MCGF funds | 7 | H1 2026; unchanged |
| Rate on new loans: banks' own funds | 13 | H1 2026 |
| Share of MCGF-funded loans in the portfolio | 58 | end of June 2026 |
| Mortgages issued by banks, January–August | 263 | versus the same period last year |
| Budget funds for social mortgages, January–August | 64 | versus the same period last year |