{"id":1844,"date":"2022-11-18T12:19:02","date_gmt":"2022-11-18T12:19:02","guid":{"rendered":"https:\/\/qafqazkredit.az\/?page_id=1844"},"modified":"2024-07-08T18:06:22","modified_gmt":"2024-07-08T14:06:22","slug":"umumi-istehlak-qrup-krediti-2","status":"publish","type":"page","link":"https:\/\/qafqazkredit.az\/en\/umumi-istehlak-qrup-krediti-2\/","title":{"rendered":"General consumer loan"},"content":{"rendered":"<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:42% 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\/Umumi-istehlak-3-u-bir-image-Eng-son.jpg\" alt=\"\" class=\"wp-image-7515 size-full\" srcset=\"https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-3-u-bir-image-Eng-son.jpg 948w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-3-u-bir-image-Eng-son-300x201.jpg 300w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-3-u-bir-image-Eng-son-768x514.jpg 768w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-3-u-bir-image-Eng-son-18x12.jpg 18w\" 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_82_2 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\/umumi-istehlak-qrup-krediti-2\/#Umumi_istehlak_kreditin_m%C9%99qs%C9%99di\" >Purpose of general consumer loan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/qafqazkredit.az\/en\/umumi-istehlak-qrup-krediti-2\/#Umumi_istehlak_f%C9%99rdi_kredit_s%C9%99rtl%C9%99ri\" >Terms of general consumer individual loan<\/a><\/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\/umumi-istehlak-qrup-krediti-2\/#Umumi_istehlak_qrup_kredit_s%C9%99rtl%C9%99ri\" >Terms of general consumer group 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\/umumi-istehlak-qrup-krediti-2\/#Qrup_kreditl%C9%99rin_%C9%99sas_qayda_v%C9%99_xarakterik_xususiyy%C9%99tl%C9%99ri\" >Basic rules and characteristics of group loans<\/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=\"Umumi_istehlak_kreditin_m%C9%99qs%C9%99di\"><\/span>Purpose of general consumer loan<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p class=\"has-text-align-left has-black-color has-white-background-color has-text-color has-background\" style=\"font-size:18px\"><strong>Meeting any unexpected costs and needs that are not prohibited by law, do not harm the environment, do not conflict with public order<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size is-style-outline is-style-outline--1\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-vivid-red-color has-text-color has-background wp-element-button\" href=\"https:\/\/qafqazkredit.az\/en\/https-qafqazkredit-az-kredit-kalkulyatoru\/\" style=\"background:linear-gradient(135deg,rgb(238,238,238) 66%,rgb(169,184,195) 100%)\"><strong>Loan calculator<\/strong><\/a><\/div>\n\n\n\n<div class=\"wp-block-button has-custom-font-size is-style-outline is-style-outline--2\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-vivid-red-color has-text-color has-background wp-element-button\" href=\"https:\/\/qafqazkredit.az\/en\/loan-order\/\" style=\"background:linear-gradient(135deg,rgb(238,238,238) 62%,rgb(169,184,195) 100%)\"><strong>Loan order<\/strong><\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p class=\"has-text-align-left has-black-color has-text-color has-background\" style=\"background:linear-gradient(135deg,rgb(238,238,238) 100%,rgb(169,184,195) 100%);font-size:18px\"><strong><strong><em>In order to benefit from General Consumer loan product, a minimum of 6 months of official work experience or, if you are an individual entrepreneur, the presence of an active TIN and sufficient income,  no delinquencies in your credit history, as collateral for a loan order of more than 500 manats  a guarantor or a pledge of property, a group guarantee for group loans, a valid ID card, proof of income, current bank account are required<\/em><\/strong> <\/strong><\/p>\n\n\n\n<p class=\"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\"><strong>Terms of general consumer loan products<\/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:36% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"772\" height=\"417\" src=\"https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-ferdi-image-son-Eng.jpg\" alt=\"\" class=\"wp-image-7517 size-full\" srcset=\"https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-ferdi-image-son-Eng.jpg 792w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-ferdi-image-son-Eng-300x158.jpg 300w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-ferdi-image-son-Eng-768x404.jpg 768w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-ferdi-image-son-Eng-18x9.jpg 18w\" sizes=\"(max-width: 772px) 100vw, 772px\" \/><\/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=\"Umumi_istehlak_f%C9%99rdi_kredit_s%C9%99rtl%C9%99ri\"><\/span>Terms of general consumer 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, pledge of jewelry, movable property<\/td><\/tr><tr><td><strong>Commission fee:<\/strong><\/td><td>There is no<\/td><\/tr><tr><td><strong>Loan amount:<\/strong><\/td><td>AZN 600-4000<\/td><\/tr><tr><td><strong>Annual interest rate:<\/strong><\/td><td>26,75-28,61%<\/td><\/tr><tr><td><strong>Effective annual interest rate (APR):<\/strong><\/td><td>29%<\/td><\/tr><tr><td><strong>Loan term:<\/strong><\/td><td>8-36 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:36% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"772\" height=\"417\" src=\"https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-qrup-image-son-Eng.jpg\" alt=\"\" class=\"wp-image-7518 size-full\" srcset=\"https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-qrup-image-son-Eng.jpg 792w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-qrup-image-son-Eng-300x158.jpg 300w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-qrup-image-son-Eng-768x404.jpg 768w, https:\/\/qafqazkredit.az\/wp-content\/uploads\/2023\/07\/Umumi-istehlak-qrup-image-son-Eng-18x9.jpg 18w\" sizes=\"(max-width: 772px) 100vw, 772px\" \/><\/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=\"Umumi_istehlak_qrup_kredit_s%C9%99rtl%C9%99ri\"><\/span>Terms of general consumer 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-white-background-color has-background\"><tbody><tr><td><strong>Loan security:<\/strong><\/td><td>Social security, group guarantee<\/td><\/tr><tr><td>Commission fee:<\/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>26,75-28,46%<\/td><\/tr><tr><td><strong>Effective annual interest rate (APR):<\/strong><\/td><td>29%<\/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\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%99rin_%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>","protected":false},"excerpt":{"rendered":"<p>\u00dcmumi istehlak kredit m\u0259hsulundan fayadalanmaq \u00fc\u00e7\u00fcn minimum 6 ay r\u0259smi i\u015f staj\u0131 v\u0259 ya f\u0259rdi sahibkars\u0131n\u0131zsa aktiv V\u00d6EN-nin v\u0259 yet\u0259rli g\u0259lirin olmas\u0131, kredit tarix\u00e7\u0259nizd\u0259 gecikm\u0259nin olmamas\u0131, Zamin v\u0259 ya \u0259mlak girovu kimi t\u0259minat, qrup kreditl\u0259ri \u00fczr\u0259 qrup zaminliyi, etibarl\u0131 \u015f\u0259xsiyy\u0259t v\u0259siq\u0259si, g\u0259liri t\u0259sdiq ed\u0259n s\u0259n\u0259d, cari bank hesab\u0131 t\u0259l\u0259b edilir. \u00dcmumi istehlak kredit m\u0259hsullar\u0131 \u015f\u0259rtl\u0259ri [&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-1844","page","type-page","status-publish","hentry"],"featured_image_src":null,"_links":{"self":[{"href":"https:\/\/qafqazkredit.az\/en\/wp-json\/wp\/v2\/pages\/1844","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=1844"}],"version-history":[{"count":47,"href":"https:\/\/qafqazkredit.az\/en\/wp-json\/wp\/v2\/pages\/1844\/revisions"}],"predecessor-version":[{"id":10713,"href":"https:\/\/qafqazkredit.az\/en\/wp-json\/wp\/v2\/pages\/1844\/revisions\/10713"}],"wp:attachment":[{"href":"https:\/\/qafqazkredit.az\/en\/wp-json\/wp\/v2\/media?parent=1844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}