Credits

Mortgage loan «Nirvana»

From 0% to 17.3% per annum

Interest rate

Up to 84 months

Credit term

Up to 75% of the housing cost

Loan amount

General terms

Loan target

Purchase of an apartment in the "Nirvana luxury residence" residential complex under construction by "Vinera Tower" LLC based on an investment agreement

Loan currency

Sum

Loan amount

Up to 75% of the housing cost

Initial payment

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

Interest rate

From 0% to 17.3% per annum

Credit term

Up to 84 months

Loan processing method

Bank branch

Collateral

- The apartment purchased using credit funds shall be accepted as collateral at a value equivalent to 125% of the loan amount. - Until the apartment purchased using credit funds under an investment agreement has been registered in the Borrower’s name and pledged as collateral, a guarantee provided by LLC “Vinera Tower” in an amount equivalent to 125% of the loan amount shall be accepted as temporary security for the loan. - For loans granted to persons affiliated with the Bank, the value of the collateral shall be no less than 130% of the loan amount.

Grace period

Repayment method

Differentiated, Annuity

Frequency of payments

Monthly

Borrower requirements

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)

Required Documents

An identity document (passport, ID card, etc.);
An investment agreement concluded with the contracting organization;
Information on the income of the Borrower and Co-borrower(s);
A certificate confirming registration as a self-employed person (if the loan is granted to a self-employed individual);
A document confirming payment of the initial down payment by the Borrower;
Documents confirming the security for repayment of the loan;
Additional documents may be requested, where necessary.

Additional Conditions

- The authority to decide on the allocation of a loan based on these conditions is transferred to the Individual Underwriting Department of the Credit Approval Department. - When allocating mortgage loans to individuals with permanent official income until December 1, 2026, there must be no more than 90 overdue loan debts over the past year. - For self-employed persons over the last three years: 30+ overdue credit debts - 10 each;
60+ overdue credit debt must not exceed 5;
90+ is not allowed. - Absence of current debt at BPI.

Early repayment

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