Daily annuity payment is much higher - According to the mortgage conditions, the monthly fee of a person receiving ordinary mortgage loans for a period of 25 years is 386 manats and the monthly payment of a 30-year mortgage is 188 manats. The loan amount in the amount of 386 manats per month does not correspond to the real incomes of the country's population. Of course, at this point, the other thing that complicates the situation is the length of time. That is, the citizen must pay this amount for a period of 25 years. In short, a citizen who wants to solve a housing problem is rolled into a long-term problem. This contradicts the idea of improving the social conditions of low-income families, which constitutes the main philosophy of mortgages.
