Deposit Secured Loan

A profitable opportunity for Kapital Bank/Birbank deposit holders! Starting from just 500 AZN/USD, you can receive a cash loan or a credit line on your card for up to 90% of your Kapital Bank/Birbank deposit amount. Apply now to meet your financial needs quickly and at a low interest rate!

Need to know

Minimum loan amount:

500 AZN/USD

Maximum loan amount:

Up to 90% of the deposit amount

Credit line term:

Until one month before the deposit expiration date

Loan term:

Until one business day prior to the deposit expiration date

Annual interest rate:

– For AZN deposits: +5% – For USD deposits: +4%

Deposit Secured Loan

What is a deposit secured loan and how much can I borrow?

A deposit secured loan is a type of low-interest, collateral-based loan offered based on your existing deposit at Kapital Bank/Birbank. With this product, you can receive fast and convenient financial support without the need to submit any additional income documentation—only your deposit amount is taken into account. You may obtain a cash loan or a credit line on your card for up to 90% of your deposit. These conditions apply to deposits placed in both AZN and USD.

What is the minimum and maximum amount for a deposit secured loan?

Our customers can apply for a deposit secured loan starting from as little as 500 AZN/USD, with the maximum amount being up to 90% of their total deposit. This means that based on the value of the deposit placed at the bank, the customer can receive a specific loan or credit line within the allowable limit. This model minimizes customer risk and provides favorable financial support secured by their deposit.

What documents are required to apply, and what are the conditions for foreign nationals?

The application process for a deposit secured loan at Kapital Bank/Birbank is simple and requires minimal documentation. In most cases, only a valid national ID card is needed. If an applicant is a member of the military, a military service ID must be presented in addition to the national ID. In such cases, two documents are required: a national ID and a military ID.

Foreign nationals can also apply under the same simplified procedure. They only need to provide a valid identification document such as passport. No registration documents or proof of income are required from foreign nationals. This approach makes the loan more accessible and convenient for both local and foreign customers.

Additionally, it's important to note that no income statement, employment verification, or proof of residence is required for a deposit secured loan. Acustomer can obtain the loan quickly and easily based solely on their deposit account at Kapital Bank/Birbank—making the process highly efficient in terms of time and documentation.

Are employment and residency registration required?

No. To apply for a deposit secured loan at Kapital Bank/Birbank, there is no requirement for proof of employment or residency. The only conditions are that the customer must be at least 18 years old and must hold an active deposit at our bank.

How is the loan term determined?

The loan term is directly linked to the expirationdate of the deposit. For a cash loan, the term extends up to the last business day before the deposit expires. For a credit line on a card, the term is set up to one month before the deposit’s expiration date.