Accredited new developments
List of new developments accredited by MKB, the state commission
Mortgage Imkoniyat —
Apartment in a building under construction with the Bank’s partners
Loan for new housing through shared-equity participation. Grace period during the construction phase.
Apply
from 17% to 20% per annum
Interest rate
from 15%
Down payment
up to 20 years
Repayment term
up to 1.7 bln UZS
Maximum mortgage amount
Calculate Payment
1 млн
1 млрд
1 млн
1 млрд
1
1 Mo.
Monthly payment
Average monthly payment
9 847 366
Loan amount
525 000 000 cумов
Interest rate
18% годовых
* Calculation is approximate. Exact terms apply upon application
| № | Balance | Interest | Principal | Monthly payment |
|---|
Проценты
23 462
Основной долг
648 932
* Calculation is approximate. Exact terms apply upon application
Check if the “Imkoniyat” Mortgage Is Right for You
If most of these points apply to you, submit an application and the bank will review your eligibility for preliminary approval
Documents and Property Verification
The bank will advise you on the documents required for mortgage оформление and verify the property before loan disbursement
From the client
- Passport or ID card
- Proof of income
- Mortgage application
For the property
- Purchase agreement
- Cadastral documents
- Collateral documents
- ESMS environmental checklist
Important!
The apartment you are purchasing will serve as collateral. The bank will verify the cadastral records, collateral documents, and the property’s readiness for living.
Apply for a mortgage in 4 steps
Fill out the online mortgage application
Get the bank’s preliminary decision in 10 minutes
Get a consultation and prepare your documents
Sign the contract and receive your funds at the bank's office — within 5 business days
Fill out the form — and we’ll find the best solution for you
Detailed information
About the program
A mortgage for purchasing an apartment on the primary market.
Financing is issued for shared participation in construction with developers that have a Master Agreement with the bank.
After construction is completed and the property is formally pledged as collateral, it may be possible to refinance under the terms of the “Oson” program (if the refinancing program is active).
What you can buy
An apartment on the primary market within a shared-construction agreement from an accredited developer (under the Master Agreement).
Who it’s for
- Citizens of the Republic of Uzbekistan with official (permanent) income
- Self-employed citizens of the Republic of Uzbekistan — only together with a co-borrower
Age
- From 21 to 60 years old at the application date. By the date of the final payment you must be no older than 70.
- After age 63, a life insurance policy is required (or a co-borrower with income) through age 70 inclusive
Loan term
Up to 20 years (up to 240 months)
Loan amount
Minimum — 50 million UZS
Maximum — up to 1.7 billion UZS
Down payment
From 15% to 20%
Interest rate
From 17% to 20% per year
Special Conditions on Interest Rates from Developers
- Developer China House — 20% during construction, 18% after the cadastre is obtained.
- Developer Stroy Premium House — 20% during construction, 18% after the cadastre is obtained (the developer subsidizes the interest rate by 2 percentage points until the cadastre is obtained).
Grace period
From 6 to 12 months — for the construction period
Co-borrowers
Up to 3 co-borrowers with official income.
For a self-employed borrower, a co-borrower is mandatory.
Income and debt load
- Proven income for the last 6 months (for the borrower / co-borrower)
- Minimum combined monthly income — at least 1,050,000 UZS per month (except for self-employed cases)
- Maximum debt-to-income ratio (DTI) ≤ 50%, meaning no more than 50% of your income can already be going toward loans
Collateral
The purchased apartment becomes collateral after construction is completed.
For developers under the Master Agreement, a guarantee / insurance policy against default risk, or other legally acceptable collateral, may also be used.
Repayment
Monthly. The repayment schedule can be annuity or differentiated (defined at the time of signing).
Early repayment is allowed.
Payment date
You can choose a payment date from the 4th to the 20th of each month.
Late payment
Overdue amounts may be debited automatically from the borrower’s / co-borrowers’ card without additional approval.
Documents
- Passport / ID
- Sale and purchase agreement
- Collateral documents (pledge documentation)
from 20%
Jomiy, Stroy premium house
Purchase of an apartment in the primary market at the construction stage
from 20%
Botanika saroyi, BI NRG
Purchase of an apartment in the primary market at the construction stage
Tashkent, Mirzo Ulugbek District, 53 Shakhriobod Street
from 17,8%
Sharq bahori, Yangi Toshkent DUK
Purchase of an apartment in the primary market at the construction stage
Tashkent Region Yukori Chirchik District
from 20%
O'rikzor, Land House Company
Purchase of an apartment in the primary market at the construction stage
Tashkent, Uchtepa District, Yusuf Sakkoki MSG
from 20%
Bashkent, Stroy premium house
Purchase of an apartment in the primary market at the construction stage
Tashkent, Yashnabad District, Dzharkurgon Street, 47
from 20%
Sokin makon, Land House Company
Purchase of an apartment in the primary market at the construction stage
Tashkent Region, Zangiata District, Bogzor MSA
All properties
from 20%
Jomiy, Stroy premium house
Purchase of an apartment in the primary market at the construction stage
from 20%
Botanika saroyi, BI NRG
Purchase of an apartment in the primary market at the construction stage
Tashkent, Mirzo Ulugbek District, 53 Shakhriobod Street
from 17,8%
Sharq bahori, Yangi Toshkent DUK
Purchase of an apartment in the primary market at the construction stage
Tashkent Region Yukori Chirchik District
from 20%
O'rikzor, Land House Company
Purchase of an apartment in the primary market at the construction stage
Tashkent, Uchtepa District, Yusuf Sakkoki MSG
from 20%
Bashkent, Stroy premium house
Purchase of an apartment in the primary market at the construction stage
Tashkent, Yashnabad District, Dzharkurgon Street, 47
from 20%
Sokin makon, Land House Company
Purchase of an apartment in the primary market at the construction stage
Tashkent Region, Zangiata District, Bogzor MSA
from 20%
Kelajak residence, O'zshahar qurilish invest
Purchase of an apartment in the primary market at the construction stage
Tashkent Region Yukori Chirchik District Istickbol MSG (New Tashkent 5 B Lot)
from 20%
Regnum plaza, Murad buildings
Tashkent, Shaykhatakhtakhur District, Zhurzhoniy MSH, 3a Y.Sakkoki Street
from 20%
Soon
Assalom Bog’lar, Golden house
Purchase of an apartment in the primary market at the construction stage
Tashkent, Mirzo-Ulugbek District, Navnihol MFY, 53 Shakhriobod Street
from 20%
Soon
Uz Makon, Golden house
Purchase of an apartment in the primary market at the construction stage
Tashkent, Yashnabad District, Tong Yulduzi MFY, Fargona Yuli Street, 50
from 20%
Soon
Greenpark Boz-suv, Greenpark development
Purchase of an apartment in the primary market at the construction stage
Tashkent, Yunusabad District, Chinabad Street
from 20%
Soon
Assalom Sohil, Golden house
Purchasing an apartment in the primary market during the construction phase
Tashkent, Yashnabad District, Zhurabek MFY, 27 Fargona Yuli Street.
from 20%
Soon
Assalom Havo, Golden house
Purchasing an apartment in the primary market during the construction phase
Tashkent, Yashnabad District, Itifok Street, 29
from 20%
4U, BI NRG
Purchase of an apartment in the primary market at the construction stage
Tashkent, Mirzo Ulugbek District, intersection of Sairam 5 and 7 streets
from 20%
Flagman, BI NRG
Purchase of an apartment in the primary market at the construction stage
Tashkent, Muhammad Yusuf Street 54
from 20%
Soon
Sad'o, BI NRG
Purchase of an apartment in the primary market at the construction stage
Tashkent, Yashnabad District, Amir Temur Mahallinsky Committee, 323 A Parkentskaya Street
from 20%
San'at, BI NRG
Purchase of an apartment in the primary market at the construction stage
Tashkent, Yashnabad District, Dzhurabek MF, 27/3 Fargona Yuli Street
from 20%
Soy boyi, Murad buildings
Purchase of an apartment in the primary market at the construction stage
Tashkent, Shaykhatakhtakhur District, Zhurzhoniy MSH, 3a Y.Sakkoki Street
from 20%
Soon
Harizma, Golden house
Purchase of an apartment in the primary market at the construction stage
Tashkent, Yashnabad District, Dustobod MFY, Sultonali Mashkhadiy Street, 210
from 17%
Soon
Dreamland Parkent, The new city group (Dreamland development)
Purchase of an apartment in the primary market at the construction stage
Tashkent, Yashnabad District, Parkent Street
To the regulation on the minimum requirements for the activities of
commercial banks in the implementation of
relations with consumers of banking services
Information sheet about main terms of the loan
The name of commercial bank, Official website, phone numbers
JSCMB "Ipoteka-bank",
www.ipotekabank.uz
Phone:(78) 150-11-22,
Contact center:1233
www.ipotekabank.uz
Phone:(78) 150-11-22,
Contact center:1233
Section 1. Credit Information
1.Type of the loan
‘IMKONIYAT’ MORTGAGE LOAN
2.Purpose of the loan
Purchase of an apartment on the primary market (financing housing construction through equity participation, provided that a General Agreement on financing under this framework has been concluded with JSCB ‘Ipoteka-Bank’)
3.Amount of the loan (in national currency)
4.Term of the loan (in month)
Months
5.The interest rate during the term of the loan (nominal amount) and the amount payable on this interest amount
%
5,040,642,637 sum
6.Grace period for the loan (if exist)6.Grace period for the loan (if exist)
Only under the Classic-5 program, without a grace period
7.Periodic payments (monthly, quarterly and etc.)
each month
8.Loan repayment method (annuity method (equal amounts), differential method)
Using the annuity method or the differential method
9.The amount of a one-time payment during the payment period
29,336,011 sum
10.The form of provision of the loan (transfer of money to the account of the supplier of goods/services, in cash, transfer to a bank card, etc.)
By transferring funds to the client’s account
11.Additional expenses related to the loan (if any):
not exist
12.Bank commissions and fees by type (indicate separately)
not exist
13.Third party services (indicate separately)
not exist
14.Total cost of the loan (includes nominal interest rate and loan servicing costs)
7,040,642,637 sum
Read carefully before agreeing to take out a loan!
You have the right to receive complete and detailed information from the bank about the terms and amount of the loan, about the procedure for payment and settlement (interest, fines and penalties), about Your rights and obligations under the loan agreement, about the loan agreement about possible risks and responsibilities, as well as other issues that are unclear to you.
If you have complaints, you can send your appeal to +998 78 150 11 22 the digital phone number or 100000, Tashkent, 30 Shakhrisabz Street the address or info@ipotekabank.uz the email address.
ACCURACY OF THE INFORMATION SHEET AND THE AUTHENTICITY IS CONFIRMED.
Position and full name of the bank's specialist
Date of completion
FAQs
The loan is provided for the purchase of an apartment in the primary market — in a residential building under construction, within a shared construction agreement with developers that have a General Financing Agreement with the Bank.
Citizens of the Republic of Uzbekistan:
with official (permanent) income;
self-employed individuals — only with a co-borrower.
Age requirements: from 21 to 60 years old at the application date and not older than 70 years at the loan maturity date.
with official (permanent) income;
self-employed individuals — only with a co-borrower.
Age requirements: from 21 to 60 years old at the application date and not older than 70 years at the loan maturity date.
For clients with fixed income — from 20%;
For self-employed clients with a co-borrower — from 30%, depending on card turnover, credit history, assets, and the self-employment registration period.
For self-employed clients with a co-borrower — from 30%, depending on card turnover, credit history, assets, and the self-employment registration period.
Loan term — up to 240 months (20 years).
Interest rate:
For clients with fixed income — from 0% to 20% per annum, depending on the developer’s terms and selected option.
For self-employed clients with a co-borrower — 23% per annum.
Interest rate:
For clients with fixed income — from 0% to 20% per annum, depending on the developer’s terms and selected option.
For self-employed clients with a co-borrower — 23% per annum.
Yes. A grace period of 6 to 12 months is available during the construction period (depending on program terms and related agreements).
Maximum loan amount — up to UZS 1.7 billion.
Minimum loan amount — UZS 50 million.
Minimum loan amount — UZS 50 million.
Yes, up to 3 co-borrowers with fixed income may be included.
For self-employed applicants, a co-borrower is mandatory.
For self-employed applicants, a co-borrower is mandatory.
Identity document (passport / ID card);
Investment sale and purchase agreement / shared construction agreement documents;
Collateral documents (in accordance with Bank requirements and project/developer terms).
The primary collateral is the purchased apartment after construction is completed and the property is registered as pledge.
For projects under a General Agreement, during the construction period a bank guarantee, insurance policy against non-repayment risk, or other types of security provided for by law may apply.
For projects under a General Agreement, during the construction period a bank guarantee, insurance policy against non-repayment risk, or other types of security provided for by law may apply.
Full and partial early repayment is available in accordance with the product terms and the loan agreement.
Use the mortgage calculator: enter the property price, down payment, and loan term — the system will display an indicative monthly payment and calculation details.
The calculation is preliminary. Final terms are determined after application review and specified in the loan agreement.
The calculation is preliminary. Final terms are determined after application review and specified in the loan agreement.
Become a partner
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Mortgage insurance
Here, we explain everything you need to know about insurance.
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Last updated: 02.10.2026