Credits

Mortgage loan "New House"

The acquisition apartment in a multi-storey building in the primary market at the expense of the Ministry of Economy and Finance of the Republic of Uzbekistan.

17,5%

Interest rate

up to 240 months

Credit term

- For the purchase of an apartment in a multi-storey building in the city of Tashkent no more than 420,0 mln soum; - For the purchase of an apartment in a multi-storey building in the regions of the Republic of Uzbekistan no more than 330,0 mln soums.

Loan amount

MORTGAGE LOAN “NEW HOUSE”- the acquisition apartment in a multi-storey building in the primary market at the expense of the Ministry of Economy and Finance of the Republic of Uzbekistan.

The loan is provided to individuals aged 18 to 60 years (60 years is taken into account), having a permanent official income or self-employed persons, citizens of the Republic of Uzbekistan.

The maximum amount of a mortgage loan
- for the purchase of an apartment in a multi-storey building in the city of Tashkent - no more than 420,0 mln soum;
- for the purchase of an apartment in a multi-storey building in the regions of the Republic of Uzbekistan - no more than 330,0 mln soums.

The loan term is up to 240 months.

Grace period – 6 months.

The interest rate on the loan is 17.5% per annum.

The interest rate on a mortgage loan decreases proportionally when the main rate of the Central Bank of the Republic of Uzbekistan decreases, and remains unchanged when increased. In this case: changes in interest payments are accrued from the date of entry into force of the reduction in the main rate of the Central Bank.

Loan down payment amounts:

If the loan is provided to citizens with official income:
- The initial payment is from 15%;

At the same time, a fixed subsidy, paid from the state budget and at least 5% of the cost of housing, is formed by the borrower at his own expense.

If the loan is provided to self-employed persons:
- The initial payment is from 26%.

The bank provides an opportunity to choose the method by which the amount of the monthly payment on a car loan will be calculated. The first is when the payments are the same every month (annuity), and the second is when they decrease over time.

When applying for a mortgage loan, an insurance policy and a mortgage insurance contract are not required.

The following documents are submitted to the Bank for obtaining a loan:
1. Application for a loan;
2. Identity document (passport, ID card, residence certificate, etc.);
3. Contract of purchase and sale of housing concluded with the contracting organization-seller;
4. Loan security documents;
5. If necessary, documents confirming the availability of permission from the authorized body for the construction of a multi-storey building in which the loaned object is purchased, acquired through a loan (decision of the khokim, etc.);
6. Extract from the cadastral register of the purchased apartment;
7. Self-employment certificate. (when the loan is provided to self-employed persons).

The Bank reserves the right to request additional documents for the most complete analysis of the solvency of the Borrower/Co-Borrower.

Loan agreement

Size: 259.99 KB

Format: pdf

General terms

Interest rate

17,5%

Loan amount

Loan target

The acquisition apartment in a multi-storey building in the primary market at the expense of the Ministry of Economy and Finance of the Republic of Uzbekistan.

Frequency of payments

Monthly

Repayment method

Differentiated, Annuity

Credit term

up to 240 months

Loan processing method

bank branch

Grace period

Yes (6 months)