Mortgage Loan

Basic parameters and terms of lending

(The credit calculator is in the process of testing, and calculations may differ from the final repayment schedule)
1.1. Features of consumer credit Term loan
1.2. Name of loan product Mortgage loan
1.3. Citizenship requirement Residents and non-residents of the Republic of Uzbekistan
1.4 Purpose of the loan product • Birincil ve ikincil piyasadan konut satın almak için
• Yeni inşa edilen konut projelerinde pay almak amacıyla
1.5 Loan currency In national currency; sum (UZS)
1.6 Loan term The maximum period without a grace period is 120 (one hundred and twenty) months
1.7 Interest rate/ Down payment/Loan Term Interest rate / loan term 25-60 months 61-84 months 85-120 months
Down payment 25% 23,5 % 24 % 25 %
Interest rates for individuals without official income
Down payment (≥%25)*		 23,5 % 24 % 25 %
* Individuals without an official income must have regular inflows of funds to their bank accounts for at least the last six (6) months
Individuals without an official income are defined as persons who do not have a regular monthly salary (this includes individual entrepreneurs and freelancers).
1.8 Conditions for consideration of the loan application submitted by the borrower and decision making on this application Up to 10 (ten) working days (with the submission of a complete set of documents)
1.9 Maximum loan amount 2.000.000.000 (two billion UZS) som
1.10 A set of required documents
  • Original copy of the identity document of the borrower and co-borrower (passport, ID card, residence certificate, etc.);
  • Preliminary sales or equity participation agreement for the residential property to be purchased;
  • Report on the market value of the real estate to be purchased or pledged as collateral;
  • Cadastral (title) copy of the real estate to be purchased or pledged as collateral;
  • Document confirming the borrower’s income (salary, pension, rental income, or other official sources of income);
  • Bank account statement of the borrower, if the borrower does not have an official income.Original copy of the identity document of the borrower and co-borrower (passport, ID card, residence certificate, etc.)
1.11 Type of provision (collateral)
  • Collateral of real estate being purchased at a value of not less than 115% of the loan amount, third party guaranty;
  • For loans granted to persons related to the bank, collateral is accepted in accordance with the ratio stipulated by the legislation of the Republic of Uzbekistan;
  • In cases where the title documents for the property being purchased are still under preparation, another real estate property may be temporarily provided as collateral.
1.12 Requirements for borrower
  • Age from 21 to 60 years at the period of loan repayment;
  • No negative credit history;
  • Absence of overdue debts in banks and/or credit institutions;
  • The client’s average monthly income must be sufficient to cover the principal and interest payments, and it should not exceed 50% of the client’s average monthly income.
1.13 Requirements for co-borrower
  • Age from 21 to 60 years at the period of loan repayment;
  • No negative credit history
  • Absence of overdue debts in banks and/or credit institutions;
  • Fifty percent (50%) of the total net income of the borrower and co-borrower must be sufficient to cover the highest monthly installment of the loan as well as the monthly installments of existing loans.
1.14 Credit allocation form Non-cash transfer of funds to the seller’s account based on the sales contract
1.15 Validity of the loan decision 30 (thirty) days
1.16 Periodicity of interim payments Monthly
1.17 Form of payment Annuity or differentiated payment

0,00 UZS
11/13/2025