Credits

Mortgage loan «New house»

17% 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

From 15% (with official income, also taking into account subsidy funds paid from the state budget), from 26% (for self-employed individuals)

Interest rate

17% 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

Non-cash

Required Documents

1. Application for a loan;
2. Identity document (passport, ID card, residence certificate, etc.);
3. Contract of purchase and sale of housing concluded with the contracting organization-seller;
4. Loan security documents;
5. If necessary, documents confirming the availability of permission from the authorized body for the construction of a multi-storey building in which the loaned object is purchased, acquired through a loan (decision of the khokim, etc.);
6. Extract from the cadastral register of the purchased apartment;
7. Self-employment certificate (when allocating a loan to self-employed individuals);
8. Document confirming payment of social tax from April 1, 2026 (when allocating a loan to self-employed persons).

Loan Service Fee

None

Additional Conditions

When allocating to individuals with a permanent official income, there must be no overdue credit debt of 90+ within the last year. * By self-employed over the last three years: 30+ overdue loan debts for 10;
60+ overdue loan debts must not exceed 5.

Insurance

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