Mortgage loan «Nirvana»

Purchase of an apartment in the "Nirvana luxury residence" residential complex based on an investment agreement

Sum

At least 25% of the total cost of the purchased apartment

Up to 84 months

Bank branch

Apartment purchased through credit;
prior to mortgaging the apartment, "Vinera Tower" LLC's guarantee in the amount of 125% 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)

1. Identity document (passport, ID card, etc.);
2. Investment agreement concluded with the contracting organization;
3. Information on the income of the borrower/co-borrower (s) (if any), which the bank independently receives in electronic form through special systems. In the event that it is impossible to determine income, supporting documents may be requested;
4. Self-employment certificate (if a loan is provided to self-employed persons);
5. Document confirming the payment of social tax (in the case of providing a loan to self-employed persons);
6. Document confirming the formation of the initial deposit by the borrower;
7. Documents ensuring loan repayment;
8. If necessary, additional documents may be requested.

Interest rate 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 interest rate applies throughout the entire loan term. Interest rate after refinancing using funds from 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 Central Bank of the Republic of Uzbekistan's policy rate + 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: no more than 240 months, with a 12-month grace period.
2. For the portion of the mortgage loan exceeding UZS 480.0 million in Tashkent and UZS 380.0 million in Bukhara: no more than 180 months, with no grace period.
The decision to grant the loan under these terms is made by the Credit Approval Department, Retail Underwriting Division. The borrower must be using a mortgage loan issued under this program for the first time. Loans obtained before May 1, 2024 are not taken into account. For individuals with permanent official income, when a mortgage loan is issued before December 1, 2026, there must be no credit debt with a delinquency of 90+ days during the preceding year. For self-employed individuals, over the preceding three years, the number of overdue payments must not exceed:
30+ days — no more than 10 cases;

60+ days — no more than 5 cases;

90+ days overdue — not permitted. There must be no current outstanding debt with the Bureau of Enforcement (BPI).

It can be performed at any time, either fully or partially, depending on the client's wishes.