Mortgage loan «Mubaarak»

Purchase of an apartment in a residential complex under construction by Mezon Construction 2 LLC, located at 43D Karasuv Street, Dustobod MFY, Tashkent, pursuant to an investment agreement.

Sum

For individuals with official income: • If the maximum loan amount is up to 480.0 million soums - at least 15% of the cost of the purchased apartment;
• If the maximum loan amount exceeds 480.0 million soums - at least 20% of the cost of the purchased apartment.

up to 240 months

Bank branch

Non-cash

- Until the apartment purchased through the loan is registered in the Borrower's name and provided as collateral, a guarantee from "Superlative" LLC in an amount of at least 125% of the loan amount;
- After registering the apartment in the Borrower's name and providing it as collateral - an apartment purchased through credit funds. At the same time, if the maximum loan amount is up to 480.0 million soums inclusive, the purchased apartment is accepted as collateral in the amount of 117.6% of the loan amount, and if the maximum loan amount exceeds 480.0 million soums, in the amount of 125% of the loan amount. For loans provided to persons related to the Bank, the security amount must be at least 130% of the loan amount.

no

Differentiated, Annuity

Monthly

An individual who is a citizen of the Republic of Uzbekistan, aged 18 to 60 years inclusive.

Identity document (passport, ID card, etc.);
• Investment agreement concluded with the contracting organization;
• Certificate of income of the Borrower/Co-borrower;
• Certificate of registration as a self-employed person (when providing loans to self-employed persons);
• Document confirming the payment of social tax (when providing a loan to self-employed persons);
• A document confirming that the Borrower has made the initial payment;
• Documents ensuring the repayment of the loan;
• Additional documents may be requested if necessary.

Loan interest rate during the construction period:
1. For a portion of the mortgage loan up to 480.0 million soums in Tashkent city and up to 380.0 million soums in Bukhara city: 20.0% per annum;
• For the portion of the mortgage loan exceeding 480.0 million soums in the city of Tashkent and 380.0 million soums in the city of Bukhara: 25.0% per annum.
This rate is valid throughout the entire term of the loan.
Interest rate on the loan after refinancing through the funds of the Ministry of Economy and Finance:
1. For the portion of the mortgage loan up to 480.0 million soums in the city of Tashkent and up to 380.0 million soums in the city of Bukhara - the main rate of the Central Bank of the Republic of Uzbekistan + 3%.
Loan term:
1. For a portion of the mortgage loan up to 480.0 million soums inclusive: for a term of no more than 240 months, with a 12-month grace period;
2. For the portion of the mortgage loan exceeding 480.0 million soums: for a term of no more than 180 months, without a grace period.
The authority to make a decision on granting a loan on the specified terms is vested in the Individual Underwriting Department of the Credit Approval Department. The borrower must utilize the mortgage loan provided under this program for the first time. At the same time, loans received by the Borrower before May 1, 2024, are not taken into account. When providing a mortgage loan to individuals with permanent official income until December 1, 2026, the borrower must not have a overdue 90+ category credit debt within the last year. When providing loans to self-employed persons over the last three years, the number of overdue loan debts for categories 30+ must not exceed 10 cases, and for categories 60+ — 5 cases;
category 90+ is not permitted. There must be no current debt to the Bureau of Compulsory Enforcement (BPI).

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

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