Preferential mortgage loan

Mortgage loan with favorable conditions

From 17% per annum

Loan rate

Up to 800 million soums

Loan amount

Up to 20 years old

Loan term

Calculate the loan amount
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22%
Property price
600000000 sum
On term
120 month
Interest rate
17.5
Initial payment
20000000 %
Type of payments
Аннуитетный
Grace period
6 month
Monthly payment
sum
Loan amount
50000000 sum
Total payment
sum
Month Monthly payment Interest Main debt Balance
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* If the mortgage loan required to purchase the apartment on the housing market exceeds the amount established by the ‘Yangi Tartib’ program, the missing part shall be allocated from the bank's own funds as follows:

Term

10 years with a grace period of 6 months

Interest rate

If down payment is 25%,

25% per annum

If down payment is 40%,

24% per annum

Loan amount

Regions – up to UZS 600,0 mln

Tashkent – up to UZS 800,0 mnl

Loan terms
Required documents
Requirements

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»

Purpose of the loan

Housing purchase

Source of the loan

Funds of the Ministry of Finance of the Republic of Uzbekistan.

Loan term

20 years with a grace period of 6 months

Interest rate

For individuals with official income:

17.5% per annum with 15% down payment
17% per annum with 40% down payment

For individuals without official income
17.5% per annum with 40% down payment

Loan amount

In regions - up to 330.0 million UZS
In Tashkent - up to 420.0 million UZS

Type of payment

Annuity or differentiated

Provision

The purchased housing is accepted as security

If the mortgage loan required to purchase the apartment on the housing market exceeds the amount established by the «Yangi Tartib» program, the missing part shall be allocated from the bank's own funds as follows:

Purpose of the loan

Housing purchase

Loan facilities

At the expense of the Bank's own funds

Term

10 years with a grace period of 6 months

Interest rate

If down payment is 25%,

25% per annum.

If down payment is 40%,

24% per annum

Loan amount

Regions – up to UZS 600,0 mln
Tashkent – up to UZS 800,0 mnl

Payment type

Annuity or differentiated

Provision

The purchased housing is accepted as security

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

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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.