{"id":1840,"date":"2022-11-18T12:16:17","date_gmt":"2022-11-18T12:16:17","guid":{"rendered":"https:\/\/qafqazkredit.az\/?page_id=1840"},"modified":"2025-12-05T12:47:11","modified_gmt":"2025-12-05T08:47:11","slug":"mikro-biznes-qrup-krediti-2","status":"publish","type":"page","link":"https:\/\/qafqazkredit.az\/en\/mikro-biznes-qrup-krediti-2\/","title":{"rendered":"Micro-business loan"},"content":{"rendered":"<div class=\"wp-block-group alignwide\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-top has-background\" style=\"background:linear-gradient(135deg,rgb(238,238,238) 100%,rgb(169,184,195) 100%);grid-template-columns:44% auto\"><figure class=\"wp-block-media-text__media\"><img fetchpriority=\"high\" decoding=\"async\" width=\"869\" height=\"635\" src=\"https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Mikro-biznes-3-u-birge-Eng-son.jpg\" alt=\"\" class=\"wp-image-7398 size-full\" srcset=\"https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Mikro-biznes-3-u-birge-Eng-son.jpg 869w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Mikro-biznes-3-u-birge-Eng-son-300x219.jpg 300w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Mikro-biznes-3-u-birge-Eng-son-768x561.jpg 768w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Mikro-biznes-3-u-birge-Eng-son-16x12.jpg 16w\" sizes=\"(max-width: 869px) 100vw, 869px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Table of Content<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/qafqazkredit.az\/en\/mikro-biznes-qrup-krediti-2\/#Mikro-biznes_kreditin_m%C9%99qs%C9%99di\" >Purpose of micro-business loan<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/qafqazkredit.az\/en\/mikro-biznes-qrup-krediti-2\/#Mikro_biznes_kredit_m%C9%99hsulundan_yararlanmaq_ucun_t%C9%99l%C9%99bl%C9%99r\" >Requirements for taking advantage of the micro business loan product<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/qafqazkredit.az\/en\/mikro-biznes-qrup-krediti-2\/#Mikro-biznes_f%C9%99rdi_kredit_s%C9%99rtl%C9%99ri\" >Terms of micro-business individual loan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/qafqazkredit.az\/en\/mikro-biznes-qrup-krediti-2\/#Mikro-biznes_qrup_krediti_s%C9%99rtl%C9%99ri\" >Terms of micro-business group loan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/qafqazkredit.az\/en\/mikro-biznes-qrup-krediti-2\/#Qrup_kreditl%C9%99rinin_%C9%99sas_qayda_v%C9%99_xarakterik_xususiyy%C9%99tl%C9%99ri\" >Basic rules and characteristics of group loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/qafqazkredit.az\/en\/mikro-biznes-qrup-krediti-2\/#Kredit_sifarisi_v%C9%99_kalkulyatoru_duym%C9%99si\" >Loan order and calculator button<\/a><\/li><\/ul><\/nav><\/div>\n<h1 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-white-background-color has-text-color has-background\" style=\"font-size:26px;font-style:normal;font-weight:800\"><span class=\"ez-toc-section\" id=\"Mikro-biznes_kreditin_m%C9%99qs%C9%99di\"><\/span>Purpose of micro-business loan<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p class=\"has-text-align-left has-white-background-color has-background wp-block-paragraph\" style=\"font-size:18px\"><strong>Financing of working capital, equipment, repair\/construction of business facility and other business needs related to business activities that are not prohibited by law, do not harm the environment and do not conflict with public order<\/strong><\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-text-color has-link-color wp-elements-780ad31ab7f1b5215c2121455ba9b6f4\" style=\"font-size:26px\"><span class=\"ez-toc-section\" id=\"Mikro_biznes_kredit_m%C9%99hsulundan_yararlanmaq_ucun_t%C9%99l%C9%99bl%C9%99r\"><\/span>Requirements for taking advantage of the micro business loan product<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"font-size:18px\">Active TIN and sufficient income<\/li>\n\n\n\n<li style=\"font-size:18px\">There is no delay in the credit history<\/li>\n\n\n\n<li style=\"font-size:18px\">Guarantor or property pledge, group guarantee for group loans<\/li>\n\n\n\n<li style=\"font-size:18px\">Valid ID<\/li>\n\n\n\n<li style=\"font-size:18px\">Vergil\u0259r, sosial s\u0131\u011forta v\u0259 i\u015fsizlikd\u0259n s\u0131\u011forta haqlar\u0131 \u00fczr\u0259 son 12 ay \u00fc\u00e7\u00fcn \u015f\u0259xsi v\u0259r\u0259q\u0259d\u0259n \u00e7\u0131xar\u0131\u015f<\/li>\n\n\n\n<li style=\"font-size:18px\"> Other documents confirming payments to the state budget<\/li>\n\n\n\n<li style=\"font-size:18px\">Business or current bank account<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-vivid-red-color has-text-color has-background wp-block-paragraph\" style=\"background:linear-gradient(135deg,rgb(238,238,238) 99%,rgb(169,184,195) 100%);font-size:30px\"><strong>Micro-business loan products and terms<\/strong><\/p>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-top has-background\" style=\"background:linear-gradient(135deg,rgb(238,238,238) 100%,rgb(169,184,195) 100%);grid-template-columns:39% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"780\" height=\"535\" src=\"https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Micro-business-ferdi-Eng.jpg\" alt=\"\" class=\"wp-image-7374 size-full\" srcset=\"https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Micro-business-ferdi-Eng.jpg 780w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Micro-business-ferdi-Eng-300x206.jpg 300w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Micro-business-ferdi-Eng-768x527.jpg 768w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Micro-business-ferdi-Eng-18x12.jpg 18w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h1 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-white-background-color has-text-color has-background\" style=\"font-size:26px;font-style:normal;font-weight:800\"><span class=\"ez-toc-section\" id=\"Mikro-biznes_f%C9%99rdi_kredit_s%C9%99rtl%C9%99ri\"><\/span>Terms of micro-business individual loan<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\" style=\"font-size:18px\"><table class=\"has-white-background-color has-background\"><tbody><tr><td><strong>Loan security:<\/strong><\/td><td>Guarantee, jewelry, movable\/immovable property pledge<\/td><\/tr><tr><td><strong>Commission fee:<\/strong><\/td><td>There is no<\/td><\/tr><tr><td><strong>Loan amount:<\/strong><\/td><td>AZN 600-20000<\/td><\/tr><tr><td><strong>Annual interest rate:<\/strong><\/td><td>19,96-24,70%<\/td><\/tr><tr><td><strong>Effective annual interest rate (APR):<\/strong><\/td><td>25%<\/td><\/tr><tr><td><strong>Loan term:<\/strong><\/td><td>8-48 months<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-top has-background\" style=\"background:linear-gradient(135deg,rgb(238,238,238) 100%,rgb(169,184,195) 100%);grid-template-columns:39% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"778\" height=\"545\" src=\"https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Micro-business-gr-Eng.jpg\" alt=\"\" class=\"wp-image-7379 size-full\" srcset=\"https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Micro-business-gr-Eng.jpg 778w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Micro-business-gr-Eng-300x210.jpg 300w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Micro-business-gr-Eng-768x538.jpg 768w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Micro-business-gr-Eng-18x12.jpg 18w\" sizes=\"(max-width: 778px) 100vw, 778px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h1 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-white-background-color has-text-color has-background\" style=\"font-size:26px;font-style:normal;font-weight:800\"><span class=\"ez-toc-section\" id=\"Mikro-biznes_qrup_krediti_s%C9%99rtl%C9%99ri\"><\/span>Terms of micro-business group loan<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\" style=\"font-size:18px\"><table class=\"has-black-color has-white-background-color has-text-color has-background\"><tbody><tr><td><strong>Loan security:<\/strong><\/td><td>Social security, group guarantee<\/td><\/tr><tr><td><strong>Commission fee:<\/strong><\/td><td>There is no<\/td><\/tr><tr><td><strong>Loan amount:<\/strong><\/td><td>AZN 600-2000<\/td><\/tr><tr><td><strong>Annual interest rate:<\/strong><\/td><td>19,96-24,47%<\/td><\/tr><tr><td><strong>Effective annual interest rate (APR):<\/strong><\/td><td>25%<\/td><\/tr><tr><td><strong>Loan term:<\/strong><\/td><td>8-24 months<\/td><\/tr><tr><td><strong>Group size:<\/strong><\/td><td>3-7 people<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<h1 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-text-color has-background\" style=\"background:linear-gradient(135deg,rgb(238,238,238) 100%,rgb(169,184,195) 100%);font-size:26px;font-style:normal;font-weight:800\"><span class=\"ez-toc-section\" id=\"Qrup_kreditl%C9%99rinin_%C9%99sas_qayda_v%C9%99_xarakterik_xususiyy%C9%99tl%C9%99ri\"><\/span>Basic rules and characteristics of group loans<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Creation of solidarity groups consisting of a minimum of three and a maximum of seven people.<\/li>\n\n\n\n<li>Providing a group guarantee for repayment of the loan and the use of the loan according to the initial purpose specified in the loan application form.<\/li>\n\n\n\n<li>The purpose of using the loan may be different for each group member.<\/li>\n\n\n\n<li>The same loan product, the same loan period and the same interest rate is applied on the group.<\/li>\n\n\n\n<li>The loan agreement is signed by all group members.<\/li>\n\n\n\n<li>The loan is given individually to each group member.<\/li>\n\n\n\n<li>Loan repayment can be done both individually and in groups.<\/li>\n\n\n\n<li>For each group, the members of one family can make up a maximum of 33.3% of the group that each group member from the same family should have a separate business and\/or address.<\/li>\n\n\n\n<li>Group members should not have any unfulfilled obligations.<\/li>\n\n\n\n<li>Membership must be accepted by all other group members.<\/li>\n\n\n\n<li>Group members must be willing to repay the loan on the basis of joint guarantee (joint and mutual responsibility).<\/li>\n\n\n\n<li>A member cannot be a member of more than one group.<\/li>\n\n\n\n<li>Each group member must convey information to the group correctly and be willing to follow all the rules of the group.<strong>.<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<h1 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-text-color has-background\" style=\"background:linear-gradient(135deg,rgb(238,238,238) 100%,rgb(169,184,195) 100%);font-size:26px;font-style:normal;font-weight:800\"><span class=\"ez-toc-section\" id=\"Kredit_sifarisi_v%C9%99_kalkulyatoru_duym%C9%99si\"><\/span>Loan order and calculator button<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button alignright is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-vivid-red-color has-text-color has-background has-text-align-center has-custom-font-size wp-element-button\" href=\"https:\/\/qafqazkredit.az\/en\/loan-order\/\" style=\"background:linear-gradient(135deg,rgb(238,238,238) 100%,rgb(169,184,195) 100%);font-size:18px\"><strong>Loan order<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link has-vivid-red-color has-text-color has-background has-text-align-left has-custom-font-size wp-element-button\" href=\"https:\/\/qafqazkredit.az\/en\/https-qafqazkredit-az-kredit-kalkulyatoru\/\" style=\"background:linear-gradient(135deg,rgb(238,238,238) 100%,rgb(169,184,195) 100%);font-size:18px\"><strong>Loan calculator<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>","protected":false},"excerpt":{"rendered":"<p>Mikro-biznes kreditin m\u0259qs\u0259di Maliyy\u0259l\u0259\u015fdirilm\u0259si qanunla qada\u011fan olunmayan, \u0259traf m\u00fchit\u0259 z\u0259r\u0259r verm\u0259y\u0259n, ictimai asayi\u015f\u0259 zidd olmayan sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 ba\u011fl\u0131 d\u00f6vriyy\u0259 kapital\u0131, avadanl\u0131q, biznes obyektinin t\u0259mir \/tikintisi v\u0259 sair biznes ehtiyaclar\u0131n\u0131n qar\u015f\u0131lanmas\u0131 Mikro biznes kredit m\u0259hsulundan yararlanmaq \u00fc\u00e7\u00fcn t\u0259l\u0259bl\u0259r Mikro-biznes kredit m\u0259hsullar\u0131 v\u0259 \u015f\u0259rtl\u0259ri Mikro-biznes f\u0259rdi kredit \u015f\u0259rtl\u0259ri Kreditin t\u0259minat\u0131:Zaminlik, q\u0131z\u0131l-zin\u0259t \u0259\u015fyalar\u0131, da\u015f\u0131nar\/da\u015f\u0131nmaz \u0259mlak girovuKomissiya haqq\u0131:YoxdurKredit [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-1840","page","type-page","status-publish","hentry"],"featured_image_src":null,"_links":{"self":[{"href":"https:\/\/qafqazkredit.az\/en\/wp-json\/wp\/v2\/pages\/1840","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/qafqazkredit.az\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/qafqazkredit.az\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/qafqazkredit.az\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/qafqazkredit.az\/en\/wp-json\/wp\/v2\/comments?post=1840"}],"version-history":[{"count":89,"href":"https:\/\/qafqazkredit.az\/en\/wp-json\/wp\/v2\/pages\/1840\/revisions"}],"predecessor-version":[{"id":11416,"href":"https:\/\/qafqazkredit.az\/en\/wp-json\/wp\/v2\/pages\/1840\/revisions\/11416"}],"wp:attachment":[{"href":"https:\/\/qafqazkredit.az\/en\/wp-json\/wp\/v2\/media?parent=1840"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}