A mortgage loan from the primary market - from the funds of the Ministry of Economy and Finance.

For citizens of the Republic of Uzbekistan who has reached 18 years of age and not more than 60 years of age on the day of applying for a mortgage loan.

up to 18%

Interest rate

up to 20 years

Credit term

420 mln. soums

Loan amount

About loan

Borrower: A citizen of the Republic of Uzbekistan. The borrower must have a stable income, may not have an official income, or be an individual registered on the labor migration platform and engaged in employment abroad.

Terms of loan:

Conditions for providing a mortgage loan in accordance with the Decree of the President of the Republic of Uzbekistan dated April 30, 2024 No. UP-70 “On additional measures to improve the mechanisms for issuing mortgage loans and improving the living conditions of the population in 2024:

The purpose of the loan is to purchase an apartment in an apartment building on the primary housing market.
Source of the loan: funds of the Ministry of Economy and Finance of the Republic of Uzbekistan.
Requirement for the borrower: citizens of the Republic of Uzbekistan from 18 to 60 years old.
Period: 20 years.
Grace period: 6 months.
For individuals with official income:
18% per annum with 15% down payment;

Maximum loan amount:

In the Republic of Karakalpakstan and regions - up to 330 million UZS;
In Tashkent city – up to 420 million UZS.
Type of payment - annuity or differentiated

Documents:

a) ID-card or passport and a document replacing the passport. A copy of the passport is also required if the client presents a military ID;
b) documents on income (except for persons without official income)/electronic data;
d) the original purchase and sale agreement;
e) document on the transfer of housing for use;
f) other relevant documents required by law may be required.
g) A borrower working abroad must provide a bank-certified statement from a commercial bank confirming regular money transfers from abroad to the Republic of Uzbekistan for a period of 6 months.

In case of an increase in the volume of problem loans, restrictions may be introduced at individual Banking Service Centers and Banking Service Offices.

Tariffs and conditions

Interest rate

up to 18%

Loan amount

420 mln. soums

Loan target

the purchase of an apartment in an apartment building in the primary housing market

Submission form

Transfer to the seller's bank account

Frequency of payments

Monthly

Repayment method

Annuity

Credit term

up to 20 years

Loan processing method

Bank branch

Grace period

Yes (6 months)

Calculate your loan

Loan amount

220 000 000

soum

from 50 million soum

to 1.4 billion soum

Loan term

140

months

from 120 month

to 240 month

Interest rate

from 10 %

to 50 %

Repayment order

Method of payment of monthly loan

* The calculation is preliminary. The exact amount of the monthly payment will be determined by the bank based on the results of consideration of the application.

Interest rate:

...%

Average monthly payment*

... soum

Full cost of the loan:

...%

Information sheet

* The calculation is preliminary. The exact amount of the monthly payment will be determined by the bank based on the results of consideration of the application.

Terms and Conditions

ID card or passport and a document replacing the passport. A copy of the passport is not required even if the customer presents a military ID for military personnel;
Income documents (excluding persons without income) / electronic data;
Initial contract of sale;
document on putting the house into operation;
Other relevant documents specified by law may be required.