"Oson" Mortgage
up to 17.5%*
Annual
up to 420 million UZS
Maximum amount
up to 240 months
Loan term
Calculate Estimated Payment
Calculation is for informational purposes only
Loan Parameters
Loan Amount
255,000,000 UZS
Down Payment (15%)
Minimum down payment - 15% of loan amount
Loan Term
15 years
Your Calculations
Monthly Payment
Total Loan Cost
Interest Rate
17.5%
* Calculator provides an initial estimate and does not guarantee absolute accuracy
Fill out the application
Partner Construction Organizations
List of completed and ongoing residential buildings
Check eligibility for a mortgage loan
Key product terms
Name
"Oson" Mortgage loan
Purpose
Purchase of housing in the primary market
Client (citizen of the Republic of Uzbekistan)
Individual with permanent income, including self-employed
Term
up to 240 months
Down Payment (minimum)
15%
30%
Annual Interest Rate
17.5% (Central Bank base rate + 4%)
*Reduction based on Central Bank's main rate
*Reduction based on Central Bank's main rate
Maximum Loan Amount
Up to 420 million UZS (Tashkent City)
Up to 330 million UZS - Karakalpakstan and regions
Up to 330 million UZS - Karakalpakstan and regions
Minimum Loan Amount
50 million UZS
Grace Period
No grace period
Co-borrower
Up to 3 individuals with permanent income
Collateral Requirement
117.5% (at least equal to housing cost)
Mandatory Provision
Collateral of the purchased property
Age (min./max.)
21 years (no older than 70 at end of loan term)
Life Insurance
For clients over 63, optional insurance coverage from 63 to 70 years
Minimum Work Experience
Permanent income for the last 6 months
Minimum Monthly Income Requirement
At least 1,050,000 UZS for client and co-borrower (excludes self-employed)
Debt-to-Income Ratio
≤50%
Required Documents
Passport, purchase agreement, down payment proof, housing registration
Funding Source
Funded by Ministry of Economy and Finance
Special Terms
- • Loan eligibility is determined based on credit history
- • Overdue payments can be debited automatically from the borrower’s credit card
- • Monthly repayments scheduled between the 4th and 20th of each month
- • Annuity/differential payment schedules based on client’s repayment capacity
- • Co-borrowers may be required to meet income criteria
- • The loan is available only for first-time users within the program
- • Loan insurance payment is reimbursed by the bank
- • Commercial mortgage terms apply if the credit amount exceeds state limits
- • The loan document applies to both subsidized and regular mortgages
- • Subsidized mortgages have special conditions on maximum amounts
Install Ipoteka Retail App
Refill your account for free. Pay for phone, utilities, and more.
