Residents and non-residents of the Azerbaijan Republic may file loan application. The Bank shall not assume any obligation by accepting a loan obligation. Loan amounts are not limited to minimum and maximum thresholds. Interest rates on loans shall vary depending on a number of factors.

Loans are issued in the national or freely convertible currencies (USD, EUR).

Customers' loan applications shall be reviewed on an individual basis. If the Bank decides to grant the loan, the loan proceeds shall be charged to the borrower's account in full or in parts, or to the account of the borrower's counterpart as specified in the appropriate agreement presented by the borrower. Loan applications shall be reviewed from 3 to 10 days depending on the characteristics of the borrower.

Loans may be secured or unsecured (blank loans). Unsecured loans are issued to persons with high credit rating, normal credit history, excellent financial and business performance indicators; strong domestic or foreign market position; engaged in prospective business; extensive experience and own capital. In any other case, no loan shall be issued with no collateral. Property, surety, guarantee, warranty and other assets and items in the borrower's or third person's ownership may serve as collateral.

Bank guarantees are issued to make customer's contractual payments; retrieve advance payments and make customs procedures-related payments.

If needed, guarantees issued may be confirmed by highly rated banks operating in Europe, America or other countries. For further information regarding loans please contact the TDB's Financial-Credit Department or to branches .

Final decision shall be issued concerning the loan requested only after preliminary negotiations with the customer and review/analysis of his/her financial and other documents.