Mortgages for Every Dream

Choose the property you need - new developments or secondary housing. Simple application process, competitive rates and reliable support at every step.

Mortgages for Every Dream
Oson
Oson

Mortgage for a new build with a reduced interest rate

Suitable for self-employed
No co-borrower required
from 16,99% per annum
Interest rate
from 15%
Down payment
up to 20 years
Repayment term
up to 480 mln UZS
Maximum mortgage amount
Maqul
Maqul

Buy a ready-made apartment from an individual entity. Fast approval 
and a favorable mortgage for secondary housing.

Up to 3 co-borrowers
For secondary housing
21,5% per annum
Interest rate
from 26%
Down payment
from 10 to 20 years
Repayment term
up to 800 mln UZS
Maximum mortgage amount
Tijorat
Tijorat

Loan for residential property on the primary and secondary market with an increased loan amount

Suitable for self-employed
22.5% per annum
Interest rate
from 20%
Down payment
up to 20 years
Repayment term
up to 1.7 bln UZS
Maximum mortgage amount
Imkoniyat
Imkoniyat

The Imkoniyat program offers mortgages for new buildings from partner developers at the construction stage

from 0% to 23% per annum
Interest rate
from 20%
Down payment
up to 20 years
Repayment term
up to 1.7 bln UZS
Maximum mortgage amount
Oson
Oson

Mortgage for a new build with a reduced interest rate

Suitable for self-employed
No co-borrower required
from 16,99% per annum
Interest rate
from 15%
Down payment
up to 20 years
Repayment term
up to 480 mln UZS
Maximum mortgage amount
Maqul
Maqul

Buy a ready-made apartment from an individual entity. Fast approval 
and a favorable mortgage for secondary housing.

Up to 3 co-borrowers
For secondary housing
21,5% per annum
Interest rate
from 26%
Down payment
from 10 to 20 years
Repayment term
up to 800 mln UZS
Maximum mortgage amount
Tijorat
Tijorat

Loan for residential property on the primary and secondary market with an increased loan amount

Suitable for self-employed
22.5% per annum
Interest rate
from 20%
Down payment
up to 20 years
Repayment term
up to 1.7 bln UZS
Maximum mortgage amount
Imkoniyat
Imkoniyat

The Imkoniyat program offers mortgages for new buildings from partner developers at the construction stage

from 0% to 23% per annum
Interest rate
from 20%
Down payment
up to 20 years
Repayment term
up to 1.7 bln UZS
Maximum mortgage amount
Maqul
Maqul

Buy a ready-made apartment from an individual entity. Fast approval 
and a favorable mortgage for secondary housing.

Up to 3 co-borrowers
For secondary housing
21,5% per annum
Interest rate
from 26%
Down payment
from 10 to 20 years
Repayment term
up to 800 mln UZS
Maximum mortgage amount
Tijorat
Tijorat

Loan for residential property on the primary and secondary market with an increased loan amount

Suitable for self-employed
22.5% per annum
Interest rate
from 20%
Down payment
up to 20 years
Repayment term
up to 1.7 bln UZS
Maximum mortgage amount
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Sell your property faster
with Ipoteka bank OTP Group

We invite developers and real estate professionals:
together we will help people find and buy their dream home

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Download the Ipoteka Mobile app and manage your finances without visiting a bank

Paychecks, money transfers, and other services from Ipoteka bank OTP Group are always at your fingertips

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