Ipoteka Bank OTP Group Launches “Makul” Mortgage: Move-In Ready Homes Without Construction Wait Times

Ipoteka Bank OTP Group announces the launch of its new mortgage product “Makul,” designed for customers who want to quickly and conveniently purchase ready-to-move-in housing on the secondary market under transparent and favorable terms.

“Makul” is a solution for those who prefer not to wait for construction to be completed and want to select and purchase an apartment immediately—whether for living or investment. The product combines a competitive interest rate, clear terms, and flexible loan tenors, making home ownership more accessible to a wide range of customers.

Today, more families are choosing completed apartments in order to move into their own homes right away. The bank’s new product responds to this market demand by offering a mortgage solution without waiting periods and without the additional risks associated with construction projects.

Key terms of the “Makul” mortgage:

• Interest rate: from 21.5% per annum

• Down payment: from 26%

Maximum loan amount: 

• up to UZS 800 million — in Tashkent

• up to UZS 500 million — in other regions 

Loan tenor: 10 to 20 years

The launch of “Makul” marks another step by Ipoteka Bank OTP Group in developing accessible mortgage solutions and expanding opportunities for customers to purchase their own homes on attractive terms.

The new product is already available at all bank branches.
Customers can apply for a loan online or at the nearest Ipoteka Bank OTP Group branch.
Contact center: (78) 150-89-13