Credits

Mortgage loan «New house»

from 17% to 18% per annum

Interest rate

Up to 240 months

Credit term

Up to 480 mln soums for Tashkent, up to 380 mln soums for regions of Uzbekistan

Loan amount

General terms

Loan target

Purchase of apartments in a multi-story building using funds from the Ministry of Economy and Finance

Loan currency

Sum

Loan amount

Up to 480 mln soums for Tashkent, up to 380 mln soums for regions of Uzbekistan

Initial payment

At least 15 percent of the cost of the purchased apartment (including subsidies paid from the state budget if any)

Interest rate

from 17% to 18% per annum

Credit term

Up to 240 months

Loan processing method

Bank branch

Form of issue

Non-cash

Collateral

Collateral of the purchased property

Grace period

yes (6 months)

Repayment method

Differentiated, Annuity

Frequency of payments

Monthly

Borrower requirements

Residents of Uzbekistan, aged 18-60, officially employed or self-employed

Loan Provision Order

80 / 1000 By transferring the mortgage loan to the settlement account of the construction organization

Required Documents

1) Identity document (passport, ID card, etc.);
2) A purchase and sale agreement concluded with a contracting organization;
3) Documents ensuring the repayment of the loan (cadastral and other necessary documents for housing purchased through the loan);
4) documents confirming the presence of a permit from the authorized body for the multi-apartment building where the acquired facility is located (governor's decision, etc.);
5) An extract from the cadastral register for the purchased apartment;
6) Self-employment certificate (when providing loans to self-employed persons);
7) Document confirming the payment of social tax from April 1, 2026 (when providing a loan to self-employed persons);
8) Initial monitoring report of the property accepted as collateral, drawn up by the bank's responsible employees, with photographs;
9) Document confirming the formation of the initial contribution by the borrower (if the contribution is formed on a deposit account opened in the borrower's name, it can be obtained by the bank employee independently through ABT);
10) Documents certifying the identity of the co-borrower (s) (if any) (passport, ID card, residence permit, etc.). 11) The bank independently receives information on the income of the borrower/co-borrower (s) (if any) in electronic form through special systems. In the event that income cannot be determined, supporting documents may be requested.

Loan Service Fee

None

Additional Conditions

- For individuals with official income:
Central Bank main rate + 3%.
- For self-employed individuals:
With a 15% down payment, Central Bank base rate + 4%;

With a 20% down payment, the Central Bank's base rate is + 3.5%;

With a 25% down payment, the Central Bank's base rate is + 3%.
- In the event of a decrease in the main rate of the Central Bank of the Republic of Uzbekistan, the interest rate on the loan is reduced proportionally, and in the event of an increase, it remains unchanged.
At the same time, changes in interest payments are calculated from the date the Central Bank's decrease in the main rate takes effect.
- When allocating a mortgage loan to individuals with permanent official income until December 1, 2026, there must be no more than 90 overdue loan debts over the past year.
By self-employed, over the last three years:
30+ overdue credit arrears for 10,
60+ overdue credit debt must not exceed 5;

90+ is not allowed.

Insurance

When issuing a mortgage loan, an insurance policy and a mortgage insurance contract are not required.