Mortgage loan

A loan for the purchase of a home

From 17% per annum

Loan rate

Up to 5 billion soums

Loan amount

Up to 15 years

Loan term

Calculate the loan amount
?
22%
Property price
600000000 sum
On term
60 month
Interest rate
17
Initial payment
200000000 %
Type of payments
Аннуитетный
Grace period
6 month
Monthly payment
sum
Loan amount
500000000 sum
Total payment
sum
Month Monthly payment Interest Main debt Balance
Show details

Data Sheet

on Main Terms of the Loan

 

Bank name, official website, contact phone number

National Bank for Foreign Economic Activity of the Republic of Uzbekistan

nbu.uz

78 148 00 10

 

Part 1. Credit information

 

1. Name of the loan

Mortage loan

2. Purpose of the loan (type)

Mortgage loans for construction, reconstruction and purchase of housing

3. Loan amount

75 000.00

4. Term of use of the loan

240

5. Fixed interest rate for using the loan (nominal amount) and the interest amount payable

24%

288 112,00

6. Total amount payable over the entire term of the loan

75 000,00 + 288 112,00 = 363 112,00

7. Grace period of the loan

0 months

8. Payment frequency

Every month

9. Method of loan repayment

Аннуитетный

10. Lump sum amount during the payment period

1 513,06 sum (Аннуитетный)

11. Type of loan disbursement

-

12. Additional costs associated with the loan Including,

0,00

- Types of bank charges and fees

0,00

- Third-party services

0,00

13. Full loan value

24.0%

14. Period for consideration of loan request

3 banking work days

 

 

 

Part 2. Other important conditions related to financial liabilities

 

Penalties (fines, costs) specified in the agreement for late repayment of the loan

0.1% sum of late payment

2. The amount of the increased interest rate paid on the loan amount for late repayment of the loan

28.8%

3. Pledge of the Loan

Sum of pledge should be at least 125% of required bank loan

 

You can find out from the bank the terms and cost of the loan, the procedure for payments and settlements (interest, fines and penalties), your rights and obligations under the loan agreement, the risks and responsibilities under the loan agreement, as well as other matters that you want to discuss. You are entitled to get complete and detailed information.

 

 

If you have any complaints, call to phone number 78 148 00 10 or send them to the address: Tashkent, Amir Temur Avenue, 101 or email: support@nbu.uz..

We confirm the reliability and authenticity of the Data Sheet.

 

05.12.2024

Document date

 

*This form does not replace a loan agreement or a loan request, but rather helps to compare loan terms of different banks and choose the best one

Loan terms
Required documents
Requirements

Mortgage loan provided at the expense of own funds of NBU JSC of the Republic of Uzbekistan

Loan term

  • 120 months with a grace period of up to 24 months

  • 180 months with a grace period of 36 months

  • 180 months with a grace period of 18 months

  • 180 months with a grace period of 12 months

Interest rate

With a period of 120 months with a grace period of up to 24 months:

Standard
- 26% per annum with 25% down payment
- 24% per annum with 40% down payment

Participants in the Bank's salary project:
- 25% per annum with 25% down payment
- 23% per annum with 40% down payment

Under the Bank at Workplace project
- 24% per annum with 25% down payment
- 22% per annum with 40% down payment

For the purchase of houses and apartments included in the balance sheet of NBU
- 180 months with a grace period of 36 months
- 25% per annum with Central bank prime rate+2% down payment

Mortgage loans within the framework of a cooperation project for the purchase of apartments in high-rise buildings on the primary market
- 180 months with a grace period of 18 months
- 25% per annum with 17% down payment

For the purchase of cottage-type residential buildings and apartments in multi-storey buildings from the primary and secondary market (loan amount up to 5.0 billion soums)
- 180 months with a grace period of 12 months
- 20% per annum with 17% down payment

For individuals without an official income - a down payment of at least 40% of the housing cost

Loan amount

No limits

Provision

The housing to be purchased is accepted as collateral

Required documents

  • Passport/ID card

  • Income Certificate of the borrower and co-borrower (if necessary)

  • Contract signed with a construction contractor for the purchase of housing on the primary market

  • A copy of the document confirming the ownership of private housing or an apartment in a multi-storey building on the secondary market

  • Certificate of Down Payment transferred to the deposit account, which is issued for the borrower

  • Design & Estimate Documentation and Expert Opinion prepared by a design organization that has a special license for the construction and reconstruction of private property

  • The loan is issued to citizens of the Republic of Uzbekistan, from 18 to 60 years old

For individuals who have received notices of subsidies:

  • Subsidies of 30 million UZS are available to cover part of the down payment, irrespective of the housing cost

  • Subsidies are allocated from the state budget to cover part of the interest rate that has exceeded 12 percentage points in the last 5 years

  • The down payment and subsidies allocated to cover part of the interest payments are paid when the area and price of the housing to be purchased do not exceed the limit and the calculated cost of housing

How to apply for a loan?

1
Calculate the loan amount on the website
2
Prepare the necessary documents
3
Visit the bank's office and apply for a loan
Transparent conditions

No hidden fees and penalties for early repayment. You know all the conditions in advance

Customer Support

Our support team is ready to answer any of your questions

NBU technical support

online

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To unblock the card, you must contact the bank branch where the card was opened  with your identity document.

SMS notification for the Uzcard card can be activated through an ATM. SMS notification for the Humo card is activated through the bank branch where the card was opened.

You can order all cards in national and foreign currency remotely using the Milliy App.

If you have forgotten your card PIN, please come with your identity document to the bank where the card was opened.

If you the card (UzCard/HUMO) is lost, you can block it yourself using the Milliy Bank App or call (78) 148-00 10 and ask the operators to block the card.

The identification procedure is carried out remotely, directly in the Milliy application itself. To do this, on the main screen in the application, click on the icon in the upper left corner, and then select the “Identification” option from the menu and go through all its stages.

To change the phone number registered in the Milliy App, please come to the NBU branch which is convenient for you with your identity document.

An e-wallet is a system to store funds, as well as transfer money through an app to an account or bank card.

When you reset your password, you enter the "secret question answer"

Currently, the NBU offers the following international money transfers: Western Union, MoneyGram, KoronaPay, Asia Express, Contact, Swift.

Users of the Milliy Mobile App can receive transfers from Russia using the Sberbank Online service to an electronic wallet in national currency, to an UzCard or HUMO card of the NBU.

The transfer is made in rubles. Upon receipt on an electronic wallet or card, it is automatically converted into UZS. No additional fees are charged.

Visa Direct is a service for money transfer using the Milliy Mobile App to more than 50 countries of the world, including Visa cards of Uzbekistan banks.

identity document

MTCN or the tracking number

full name of remitter

country of remitter

NBFAUZ2X

It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.

If you want to transfer the right to dispose of your deposit to a third party, you must execute a power of attorney certified through a notary office.

No, you don't. The online deposit can be closed through the app.

Capitalization is the addition of accrued interest to the principal amount of the deposit.

This is the deposit with no fixed withdrawal period and the depositor can withdraw the funds at any time.

- Passports of founders, director, chief accountant;

- Order for Director’s appointment;

- Certificate of state registration;

- Decision of founders;

- Licenses;

- Cadastre file/ data sheet for the collateral;

- Photo of the collateral;

- Contract with the supplier;

- Copy of the rental agreement/ certificate

- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.

How long does it take for the application to be processed?Time for processing takes 1-3 days depending on the completeness of the documents submitted.

Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.

Penalty-free early repayment of the loan is permitted

The period of registration of the company at the time of filing the application must be more than 6 months.

It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.

- Constituent documents of the company (charter, registration certificate)
- Documents confirming the authority of the company's representatives
- Vehicle Purchase Agreement
- Documents confirming ownership of the collateral property (if a collateral is required)

- Professional Consultation and Support: Our specialists are always ready to provide professional consultation and support at all stages of the process, helping clients maximize the benefits of the offered loan products.
- Flexible Terms: Option to choose the optimal term and loan amount.
- Ease of Application: Minimal document requirements and a quick application review process.
- Business support: Financing that helps to renew the car fleet

The NBU aims to ensure a fast and efficient application review process. The average review period for an auto loan application for legal entities is 3 to 5 working days

The collateral can be the new car being purchased

The option to purchase new vehicles from official dealers

Time for processing takes 1-3 days depending on the completeness of the documents submitted.

Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.

Penalty-free early repayment of the loan is permitted

The period of registration of the company at the time of filing the application must be more than 6 months

It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs

Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.