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Update: 6 June 2024, 11:31

Loan "Affordable Mortgage"

A citizen of the Republic of Uzbekistan included in the anti-poverty program on the recommendation of the Mahalla Ettiliga and in need of improved housing conditions

18%
Interest rate
20 years
Credit term
120 mln. soums
Loan amount

About loan

The minimum amount of the initial payment 
The amount of at least 15% of the cost of construction (repair/reconstruction) of an individual house is formed at the expense of the client's own funds. 

The interest rate 
The rate is four percentage points higher than the Central Bank's main rate.

 The documents
  • are an identity card or passport and a document replacing the passport. Upon presentation by the customer of the military personnel's military ID, a copy of the identity card or passport is also required.;
  • income documents (except for persons without income)/electronic data;
  • a document confirming the right to a land plot for the construction of an individual house (permanent use, lifelong inherited ownership);
  • design and estimate documentation approved in accordance with the procedure established by the legislation on housing construction;
  • an agreement concluded with a contractor for the performance of construction works /purchase of construction products/employees registered as self-employed persons (in an amount not exceeding the cost specified in the design and estimate documentation);
  • Other relevant documents provided for by law may be required.
Requirements
  • be a citizen of the Republic of Uzbekistan who has reached the age of 18 and is not older than 60 years on the day of applying for a mortgage loan;
  • the debt burden indicator (taking into account this subsidy in cases where a subsidy is considered to cover part of the interest costs on a mortgage loan) should not exceed 70 percent (with the exception of persons without income);
  • at the time of consideration of the issue of granting a loan, there is no overdue debt on previously received loans from banks and other credit organizations;
  • have the right of lifelong ownership of a land plot for the construction (reconstruction) of an individual house and have design and estimate documentation agreed upon in accordance with the established procedure.
  •  A mortgage loan is issued to citizens who have a land plot or cadastral documents, that is, the person who wants to get a loan must be the same person as the owner of the land plot (with the exception of a married couple).
  • The borrower is using a mortgage loan for the first time. At the same time, loans received by the borrower before May 1, 2024, are not taken into account.
Additional conditions
  • A citizen of the Republic of Uzbekistan included in the anti-poverty program on the recommendation of the Mahalla Ettiliga and in need of improved housing conditions
  • At the same time, the borrower may or may not have a permanent income.


Apply for a loan online

You can apply for a loan by visiting the Bank's subdivisions (branches, offices of banking services) or on the Bank's website. Online applications are accepted 24 hours a day and processed quickly.

Fill out an online application form. Our employee will contact you and tell you about the terms of registration and issuance.

Tariffs and conditions

Interest rate
18%
Loan amount
120 mln. soums
Loan target
A citizen of the Republic of Uzbekistan included in the anti-poverty program on the recommendation of the Mahalla Ettiliga and in need of improved housing conditions
Submission form
Transfer to the seller's bank account
Frequency of payments
-
Repayment method
Differentiated, Annuity
Credit term
20 years
Loan processing method
Bank branch
Grace period
Yes (6 months)

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Exchange Rates
  • At the exchange office
  • At an ATM
  • In the application
  • Transfers abroad
CurrencyPurchaseSaleRate of the Central Bank
USD125801264012625.04
EUR130001390013686.81
GBP155001650016298.93
JPY709081.57
CHF135001450014223.79
As of 24.07.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD125001264012625.04
EUR130001390013686.81
GBP155001650016298.93
JPY709081.57
CHF135001450014223.79
As of 24.07.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD125801264012625.04
EUR130001390013686.81
GBP155001650016298.93
JPY709081.57
CHF135001450014223.79
As of 24.07.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD125801264012625.04
As of 24.07.2024 09:00:00

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