Preferential mortgage loan
Mortgage loan with favorable conditions
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Terms for Granting Mortgage Loans in Accordance with the Presidential Decree of the Republic of Uzbekistan No. UP-26 dated February 21, 2025, 'On Additional Measures for the Further Development of the Housing and Mortgage Market
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: 18% per annum with 15% down payment For individuals without official income |
Loan amount | In regions - up to 330.0 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 |
Payment type | Annuity or differentiated |
Provision | The purchased housing is accepted as security |
Procedure for Providing Mortgage Loans to Citizens Holding a Subsidy Notification in Accordance with the Decree of the President of the Republic of Uzbekistan No. UP-26 Dated February 21, 2025
Purpose of the loan | For the purchase of apartments in multi-storey buildings |
Loan facilities | Funds of the Ministry of Economy and Finance of the Republic of Uzbekistan |
Term | 20 years |
Interest rate | 18% per annum with 15% down payment |
Loan amount | In other regions - up to 330.0 million UZS |
Payment type | Annuity or differentiated |
Provision | The purchased housing is accepted as security |
Important | Subsidies to cover part of the down payment on mortgage loans issued for the purchase of apartments on the primary housing market are provided in a fixed amount of 30 million UZS, as well as to cover part of the interest payments for the first 5 years in the portion exceeding the base rate of the Central Bank |
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
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?
Calculate the loan amount on the website
Prepare the necessary documents
Visit the bank's office and apply for a loan
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No hidden fees and penalties for early repayment. You know all the conditions in advance
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