Mortgage loan «Bashkent»

Purchase of an apartment based on an investment agreement in residential complexes under construction by «Bashkent Development» in Tashkent and «Renaissance Export» in Bukhara

Sum

For individuals with official income:
- In the amount of at least 15% of the total cost of the apartment being purchased;

- In the amount of at least 25% of the total cost of the apartment being purchased if the maximum mortgage loan amount exceeds UZS 480.0 million in Tashkent and UZS 380.0 million in Bukhara.
For self-employed individuals:
- In the amount of at least 25% of the total cost of the apartment being purchased, regardless of the loan amount.

up to 240 months

Bank branch

An apartment in a multi-apartment residential building purchased with the loan funds, prior to registration in the Borrower’s name and its pledge as collateral: a guarantee from an organization with a liquid balance sheet.
After registration of the apartment in a multi-apartment residential building purchased with the loan funds in the Borrower’s name and its pledge as collateral: the apartment in the multi-apartment residential building purchased with the loan funds.
The specified apartment in the multi-apartment residential building being purchased shall be accepted as collateral in an amount of no less than 117.6% of the loan amount.
At the same time, for the portion of the mortgage loan exceeding UZS 480.0 million in the city of Tashkent and UZS 380.0 million in the city of Bukhara, the collateral must amount to no less than 125% of the loan amount.
For loans granted to persons affiliated with the bank, the collateral must amount to no less than 130% of the loan amount.

no

Differentiated, Annuity

Monthly

An individual who is a citizen of the Republic of Uzbekistan, has reached the age of 18, and is not older than 60 years (inclusive of 60 years of age)

Identity document (passport, ID card, etc.);
Investment agreement concluded with the contractor organization;
Information on the income of the borrower / co-borrower(s) (if any), which the bank independently obtains electronically through specialized systems. If it is impossible to determine the income, supporting documents may be requested;
Certificate of self-employment (in the case of granting a loan to self-employed individuals);
Document confirming payment of social tax (in the case of granting a loan to self-employed individuals);
Document confirming the borrower’s down payment contribution;
Documents securing repayment of the loan;
Additional documents may be requested if necessary.

Interest rate on the loan during the construction period:
1.For the portion of the mortgage loan up to UZS 480.0 million in Tashkent, and up to UZS 380.0 million in Bukhara: 20.0% per annum;

2.For the portion of the mortgage loan exceeding UZS 480.0 million in Tashkent, and UZS 380.0 million in Bukhara: 25.0% per annum.
This rate remains valid for the entire loan term.
Interest rate on the loan after refinancing through funds of the Ministry of Economy and Finance:
1.For the portion of the mortgage loan up to UZS 480.0 million in Tashkent, and up to UZS 380.0 million in Bukhara: the base rate of the Central Bank of the Republic of Uzbekistan + 3%.
Loan term:
1.For the portion of the mortgage loan up to UZS 480.0 million in Tashkent, and up to UZS 380.0 million in Bukhara: up to 240 months with a grace period of 12 months. 2. For the portion of the mortgage loan exceeding UZS 480.0 million in Tashkent, and UZS 380.0 million in Bukhara: up to 180 months without a grace period.
The decision to grant a loan based on these terms is made by the Credit Approval Department, Retail Underwriting Division.
The borrower must be a first-time user of a mortgage loan issued under this program. However, loans obtained before May 1, 2024, are not taken into account.
For individuals with a permanent official income, when issuing a mortgage loan before December 1, 2026, there must have been no credit debt overdue by 90+ days during the last year.
For self-employed individuals: during the last three years, the number of overdue debts must not exceed:
30+ days — no more than 10 cases;
60+ days — no more than 5 cases;
90+ days overdue — not permitted.
No current debt registered with the Bureau of Enforcement Proceedings (BEP).

May be carried out at any time, in full or in part, depending on the client’s preferences