Mcgf.gov.az May 2026

To support small and medium-sized enterprises (SMEs), the Fund provides guarantees and interest rate subsidies for business loans. This reduces risk for banks and allows entrepreneurs to access capital for non-oil sector projects. Total guaranteed loans have reached over ₼707 million . Digital Innovation and E-Services

The Fund refinances long-term mortgage loans issued by authorized banks. It offers both regular mortgages and preferential (subsidized) mortgages for specific social groups, such as young families and military personnel. As of May 2026, the Fund has provided over ₼3.92 billion in loans to approximately 58,451 borrowers . mcgf.gov.az

This mechanism allows citizens to acquire fully renovated residential properties through monthly rental payments with an eventual obligation to buy. More than 9,500 units have been provided to tenants through this scheme. To support small and medium-sized enterprises (SMEs), the

is the official digital portal of the Mortgage and Credit Guarantee Fund of the Republic of Azerbaijan (MCGF) . Established in late 2017 through the merger of the Azerbaijan Mortgage Fund and the Credit Guarantee Fund, this state agency serves as a primary driver of affordable housing and SME financing in the country. This mechanism allows citizens to acquire fully renovated

The portal is divided into several high-impact service areas designed to increase financial inclusion and improve living standards:

The website provides a centralized hub for citizens and entrepreneurs to access essential financial instruments, including mortgage loans, rent-to-own programs, and credit guarantees.