12:17 - 14.10.2026

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October 14, Fineko/abc.az. the mortgage affordability index in Azerbaijan was 121% for June 2026, according to the CBA Financial Stability Report for the 1st half of 2026.

After the growth in the spring, the indicator decreased slightly, but it still significantly exceeds the level of the beginning of 2025, when it was near 100%.

The index of 121% means that disposable monthly income per capita is 21% higher than the average monthly mortgage payment.

During the analyzed period, the average interest rate on newly issued mortgage loans grew by 0.3 p.p., reaching 10.72%. The interest rate on loans provided at the expense of banks' own resources grew up to 12.76%.

At that, the rate on mortgage loans financed by the Azerbaijan Mortgage & Credit Guarantee Fund remained unchanged at 7.04%.

Despite the annual increase in housing prices by 8.4%, the disposable incomes of the population increased by 10.5%. Thus, for the first time since the end of 2023, the growth rate of incomes exceeded the growth rate of housing prices.