Loans

  • Residential Mortgage Loans
    Residential Mortgage Loans

    Are you looking for your dream house? Apply for Residential Mortgage Loan!

    • up to 80 mln. ֏

      Amount

    • up to 180 months

      Loan term

    • from 14%

      Interest rate

  • Evoca online loan in our partner Wallets
    Evoca online loan in our partner Wallets

    To use an online loan, you only need to be an identified client of Wallets cooperating with the Bank and have an Evoca account. And if you don't have an Evoca account, you can open one directly in Wallet within seconds.

    • up to 500,000 ֏

      Amount

    • 12-36 months

      Loan term

    • 21.5 %

      Annual nominal interest rate

  • EvocaHOME
    EvocaHOME

    Want to renovate your apartment? or planning to buy new furniture? With the new overdraft offered by Evoca, you will create the apartment of your dreams with the most convenient conditions.

    • 16%

      Annual nominal interest rate

    • up to 10 mln ֏

      Amount

    • 60 months

      Loan term

  • Mortgage Loans with a Floating Interest Rate
    Mortgage Loans with a Floating Interest Rate

    Evocabank offers Mortgage Loans with a Floating Interest Rate for residential real estate purchase, construction or renovation.

    • up to 80 mln. ֏

      Amount

    • up to 240 months

      Loan term

    • For purchase or construction from 13.2%

      Interest rate

    • For renovation from 14.2%

      Interest rate

  • Personal loan secured by property collateral (with credit assessment)
    Personal loan secured by property collateral (with credit assessment)

    Do you need money to cover current financial needs? Are you looking for low interest loans? Then you are in the right place! Welcome to Evocabank!

    • up to 100 mln. ֏

      Amount

    • In case of pledging a real property 24-120 mon.

      Loan term

    • In case of pledging a movable property 60 mon.

      Loan term

    • from 15%

      Interest rate

  • Action
    Action

    Get Action online loan 24/7 with the help of EvocaTOUCH app.

    • up to 10 mln ֏

      Amount

    • up to 60 months

      Loan term

  • Property Secured Personal Loans (without income statements)
    Property Secured Personal Loans (without income statements)

    Property secured loans without income statements requirement.

    • up to 50 mln. ֏

      Amount

    • 24-120 months

      Loan term

    • from 16%

      Interest rate

    • up to 50%

      Loan/collateral ratio

  • Overdraft online
    Overdraft online

    Do you have unexpected expenses? Evocabank's Overdraft Online is the best short-term solution. 24/7 availibility and no document flow.

    • 36 months

      Loan term

    • up to 10 mln. ֏

      Amount

  • Guaranteed Loans
    Guaranteed Loans

    Do you need money to bring new ideas to life? Make them real with Evocabank!

    • up to 10 mln. ֏

      Amount

    • up to 60 months

      Loan term

    • up to 19%

      Interest rate

  • Housing mortgages for non-resident individuals
    Housing mortgages for non-resident individuals

    Get the apartment of your dreams through Evocabank mortgage lending.

    • up to 80 mln. ֏

      Amount

    • up to 180 months

      Loan term

    • fixed from 8.2%

      Interest rate

    • floating from 7.7%

      Interest rate

  • Gold Secured (Pawn) Loans
    Gold Secured (Pawn) Loans

    Apply for a gold secured loan at Evocabank’s branches within several minutes and get a loan up to 95 percentage points of the estimated value of the gold item.

    • up to 50 mln. ֏

      Amount

    • 3-36 mon.

      Loan term

    • from 15.5%

      Interest rate

    • up to 95%

      Loan/collateral ratio

  • Commercial mortgage loans
    Commercial mortgage loans

    Don’t you have enough funds for business growth? You are in the right place! Welcome to Evocabank!

    • up to 120 mln. ֏

      Amount

    • up to 240 months

      Loan term

    • from 7.2%

      Interest rate

  • Gold Secured (Pawn) Loans Based on Creditworthiness
    Gold Secured (Pawn) Loans Based on Creditworthiness

    Evocabank offers gold secured loans in cash and non-cash.

    • up to 50 mln. ֏

      Amount

    • 24-36 mon.

      Loan term

    • 19.5%

      Interest term

    • up to 150%

      Loan/collateral ratio

  • Mortgage Loans under the National Mortgage Company program
    Mortgage Loans under the National Mortgage Company program

    Evocabank offers mortgage loans under the National Mortgage Company Loan program.

    • up to 35 mln. ֏

      Amount

    • up to 240 months

      Loan term

    • For purchase from 12․5%

      Interest rate

  • Building Loans by NMC
    Building Loans by NMC

    Invest in the energy-efficient construction of your apartment and get the opportunity to pay less for your electricity and gas.

    • up to 45 mln. ֏

      Amount

    • maximum 240 months

      Loan term

    • from 12.5%

      Interest rate

  • Renovation loans under National Mortgage Company
    Renovation loans under National Mortgage Company

    Make your house more energy efficient with Evocabank!

    • up to 15 min. ֏

      Amount

    • up to 84 months

      Loan term

    • starting from 12%

      Interest rate

  • Mortgage loan "Affordable Housing for Young Families"
    Mortgage loan "Affordable Housing for Young Families"

    Buy your dream house with us. It is easy, fast and simple.

    • up to 27 mln. ֏

      Amount

    • up to 180 months

      Loan term

    • 2-4%

      Subsidized interest rate

    • 6.9%

      Interest rate

  • Deposit secured loan / credit limit
    Deposit secured loan / credit limit

    Don’t spend your savings! We have a profitable offer to cover your financial needs!

    • of the deposit amount up to 95%

      Amount

    • of the bond amount up to 80%

      Amount

  • Overdrafts
    Overdrafts

    Today overdraft is one of the best and the fastest ways to handle the unforeseen financial needs. Evocabank offers overdrafts with the minimum monthly prepayment.

    • up to 10 mln. ֏

      Amount

    • up to 36 months

      Loan term

    • from 16%

      Interest rate

  • Credit Line with Visa Infinite Card
    Credit Line with Visa Infinite Card

    Get credit line from Evocabank with Visa premium class Infinite card and you’ll have lots of benefits.

    • up to 10 mln. ֏

      Amount

    • 12-36 months

      Loan term

    • 15%

      Interest rate

    • Up to 45 days

      Grace period

  • Mortgage loan to displaced families from Artsakh regions
    Mortgage loan to displaced families from Artsakh regions

    Evocabank is always by your side. We offer mortgage loans on special terms to families displaced by the war unleashed by Azerbaijan on September 27, 2020.

  • Home renovation mortgage loans from families displaced from Artsakh
    Home renovation mortgage loans from families displaced from Artsakh

    Evocabank provides a mortgage loan for the renovation of an apartment or residential house.

    • up to 5 mln ֏

      Amount

    • 60 months

      Loan term

    • 13%

      Interest rate

  • Student Loans
    Student Loans

    Do you want to acquire new skills and qualifications, but you don’t have enough funds? No worries, Evocabank will pay for you, just realize your dreams!

    • up to 4 mln. ֏

      Amount

    • up to 120 months

      Loan term

    • 9%

      Interest rate

    • 2-3%

      Subsidized interest rate

  • Evolution
    Evolution

    It's time for new qualifications and specializations, but there are obstacles with tuition fees payment! Evocabank will pay for you.

    • up to 1 mln. ֏

      Amount

    • up to 18 months

      Loan term

    • from 18%

      Interest rate

  • Mortgage loan to servicemen by NMC program
    Mortgage loan to servicemen by NMC program

    Evocabank offers a mortgage loan for the purpose of purchasing real estate from the secondary market or construction of a residential house.

    • up to 26,65 mln ֏

      Amount

    • up to 240 months

      Loan term

    • 13%

      Annual nominal interest rate

    • 5%

      Subsidized interest rate

  • Affordable housing for a serviceman
    Affordable housing for a serviceman

    Get your new apartment with the most convenient conditions. The mortgage loan is provided within the framework of the state-targeted program.

    • up to 25,65 mln ֏

      Amount

    • 120-180 months

      Loan term

    • 11%

      Annual nominal interest rate

    • 5%

      Subsidized interest rate

  • Online and Point of Sale Loans
    Online and Point of Sale Loans

    Do you want to obtain your desired goods or services, but don’t have enough funds? Apply for Evocabank’s Online and Point of Sale Loans!

    • up to 3 mln. ֏

      Amount 

    • 36 months

      Loan term

    • up to 21.5%

      Interest rate

    • maximum 5 minutes

      Loan approval period

  • Car Loans
    Car Loans

    Are you going to buy a new car? Have you already decided the brand, model and color? Evocabank will make your driving dream a reality!

    • up to 50 mln. ֏

      Amount

    • up to 84 months

      Loan term

    • from 13%

      Interest Rate

    • from 10%

      Prepayment

  • Salary Overdrafts
    Salary Overdrafts

    Are you Evoca salaried card holder and do you have problems with current expenses? Evocabank will provide favorable Salary Overdrafts.