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Mortgage loan

  • Conditions
  • Documents
  • Calculator
Terms of loan

1. 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 a home

  • Source of the loan: funds of the Ministry of 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;
    - 17.5% per annum with 40% down payment.

  • For individuals without official income
    - 18% per annum with 40% down payment.

  • Maximum loan amount
    - In regions - up to 330.0 million UZS;
    - In Tashkent - up to 420.0 million UZS.

  • Type of payment - annuity or differentiated

2. 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 – Bank’s own funds.
  • Requirements to the borrower - citizens of the Republic of Uzbekistan aged from 18 to 60.
  • Period – 10 years.
  • Grace period – 6 months.
  • If down payment is 25%, 25% per annum.
  • If down payment is 40%, 24% per annum
  • Maximum loan
    - Regions – up to UZS 600,0 mln.
    - Tashkent – up to UZS 800,0 mnl.
  • Type of payment - annuity or differentiated payment type.

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.

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

Mortgage loans for the purchase of housing

  • Loan period - 120 months (grace period 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 individuals without an official income - a down payment of at least 40% of the housing cost.

Мaximum loan amount:
- no limits for the purchase of housing.

Loan Arrangements

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;
Calculate the amount of credit you will be able to get
Select the area where you want to buy a home
Loan Period
Grace period
Down Payment
Calculation type
Commission for credit organization
Insurance payment
Other services(Notary, the evaluation of pledge property)

Payment schedule

Month Principal debt The interest on the loan Total repayment amount Balance
Total cost of the loan: %

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

The calculations are made on the basis of the data provided and may differ from the calculations made in the bank
Monthly income 0 sum
Expenses 0 sum
Monthly fee 0 sum
Available loan amount 0 sum
Maximum amount for a credit product 352000000 sum

Latest site update date: 06/18/2024 11:19:47 am

License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
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Правила выдачи кредитов частным лицам
Определение кредитоспособности заемщика
1.1. При выдаче кредита частному лицу банк проводит анализ кредитоспособности заемщика.
1.2. Кредитоспособность заемщика определяется на основании его финансовой и кредитной истории, а также текущей финансовой ситуации.
1.3. Для определения кредитоспособности могут быть использованы следующие критерии
Условия выдачи кредита
При выдаче кредита частному лицу банк устанавливает следующие условия:

  • сумма кредита;
  • процентная ставка;
  • срок погашения кредита;
  • график платежей

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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 photo_2023-04-28_11-16-22.jpg 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, Unistream, Swift, as well as Sberbank.
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
  • expected amount of money
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.

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