Good day. We would like to know about your mortagage conditions. If possible about these informations^ Credit term - Primary payment - Maximal value of loan - Maximal nad minimal interest rate - Annuity payment to income ratio - Type of insuarance - Default period - With best regards, Ramil Hajiyev Leading economist of Azerbaijan Mortgage Fund

Hi~! We higly appreciate your interest in our mortgage loan. And we hope our reply would be helpful for you. * Maturity - 10, 15, 20, 30 years * Mortgage Rate - Fixed Rate Base Mortgage Rate · 6.15%(10yr), 6.25%(15yr), 6.35%(20yr), 6.4%(30yr) · 0.2%p discounted available through e-mortgage system * Repayment Terms - Monthly P&I level payment Maximum 3 years of Grace(Interest only) Period available Partial Amortization(25%(10yr), 40%(15yr), 50%(20yr), 70%(30yr) available * Max. DTI1)(Debt to Income) Ratio - DTI1:33%, DTI2:40% * Max. Loan Amount - KRW 300million * Type of insurance - No Insurance * Collateral - Residential properties * Mortgage Lien - First(Second lien is only allowed for limited cases) * Default period - 3~6 months 1) DTI1 = {(Monthly P&I Payment Amt) / (Monthly Income) } DTI2 = {(Montly P&I Payment Amt + Estimated* Interest Payment Amt of Other Debts) / (Monthly Income) } * Estimated Interest Rate = Weighted Avg. Loan Interest Rate published by Bank of Korea