Mortgage loan «Mubaarak»

Purchase of an apartment in a residential complex under construction by Mezon Construction 2 LLC, located at 43D Karasuv Street, Dustobod MFY, Tashkent, pursuant to an investment agreement.

Sum

For individuals with official income: • If the maximum loan amount is up to 480.0 million soums - at least 15% of the cost of the purchased apartment;
• If the maximum loan amount exceeds 480.0 million soums - at least 20% of the cost of the purchased apartment.

up to 240 months

Bank branch

Non-cash

- Until the apartment purchased through the loan is registered in the Borrower's name and provided as collateral, a guarantee from "Superlative" LLC in an amount of at least 125% of the loan amount;
- After registering the apartment in the Borrower's name and providing it as collateral - an apartment purchased through credit funds. At the same time, if the maximum loan amount is up to 480.0 million soums inclusive, the purchased apartment is accepted as collateral in the amount of 117.6% of the loan amount, and if the maximum loan amount exceeds 480.0 million soums, in the amount of 125% of the loan amount. For loans provided to persons related to the Bank, the security amount must be at least 130% of the loan amount.

no

Differentiated, Annuity

Monthly

An individual who is a citizen of the Republic of Uzbekistan, aged 18 or older and not exceeding 58 years of age (inclusive).

Identity document (passport, ID card, etc.);
• Investment agreement concluded with the contracting organization;
• Certificate of income of the Borrower/Co-borrower;
• Certificate of registration as a self-employed person (when providing loans to self-employed persons);
• Document confirming the payment of social tax (when providing a loan to self-employed persons);
• A document confirming that the Borrower has made the initial payment;
• Documents ensuring the repayment of the loan;
• Additional documents may be requested if necessary.

Interest Rate on the Mortgage Loan During the Construction Period:
1. For the portion of the loan amount up to and including UZS 480.0 million - 20.0% per annum. 2. For the portion of the loan amount exceeding UZS 480.0 million - the Central Bank of the Republic of Uzbekistan’s key rate + 11% per annum.* * The above interest rate shall apply throughout the entire loan term.
Mortgage Loan Repayment Terms:
1. For the portion of the mortgage loan amount up to and including UZS 480.0 million - a term of up to 240 months, including a 12-month grace period. 2. For the portion of the mortgage loan amount exceeding UZS 480.0 million - a term of up to 180 months, with no grace period.
Additional Mortgage Loan Eligibility Requirements:
1. The authority to make decisions on granting loans under the above terms shall be vested in the Retail Underwriting Division of the Credit Approval Department. 2. The borrower must be a first-time beneficiary of a mortgage loan granted under this programme. Loans obtained by the borrower before 1 May 2024 shall not be taken into account for this purpose. 3. For mortgage loans granted to individuals with a regular official income on or before 1 December 2026, the borrower must not have any outstanding loan obligations overdue by more than 90 days (90+) during the preceding 12 months. 4. For mortgage loans granted to self-employed individuals, the following credit history requirements must be met for the preceding three years: the number of instances of overdue payments exceeding 30 days (30+) must not exceed 10;
the number of instances of overdue payments exceeding 60 days (60+) must not exceed 5;
any instances of overdue payments exceeding 90 days (90+) are not permitted. 5. The borrower must have no outstanding arrears under enforcement proceedings administered by the Bureau of Compulsory Enforcement (BCE).

May be carried out at any time, in full or in part, depending on the client’s preferences

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