Accredited new developments
List of new developments accredited by MKB, the state commission
Mortgage Maqul -
Purchase an apartment in the primary or secondary market
For clients with verified official income
from 672,394 soums
Monthly payment
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
What you can buy
- Apartment in a new building (primary market).
- Apartment on the secondary market from the individual.
Who can apply
Citizens of the Republic of Uzbekistan aged 21 to 70 at the time of loan maturity. After the age of 63, life insurance or a co-borrower with income is required. Employee with officially confirmed income for the past 6 months (certificate or statement) Up to three co-borrowers are allowed, each of whom shall also have an official income.
Required documents
- Identity document (passport of the Republic of Uzbekistan)
- Sale and purchase agreement
- Cadastral documents
- Proof of income for the past 6 months
- ESMS checklist (environmental and social questionnaire) — completed during the transaction
- Collateral — the purchased property (arranged during the transaction)
Calculate the Payment
1 млн
1 млрд
1 млн
1 млрд
1 years
1 year
Rates from: %
Monthly payment
1 489 200 cумов
Calculation is approximate. Exact terms apply upon application
Submit an application
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
About the program
A mortgage for purchasing housing on the primary or secondary market.
No grace period. Interest rate: 21,5% per annum.
What you can buy
An apartment on the primary or secondary market.
Who it’s for
Citizens of the Republic of Uzbekistan with verified (official) income.
Age
From 21 years old.
By the date of the final payment — no older than 70.
After age 63, a life insurance policy is required, or a co-borrower with income.
Loan term
From 10 to 20 years (up to 120–240 months).
Loan amount
Minimum — 50,000,000 UZS.
Maximum — up to 800,000,000 UZS (Tashkent) / up to 500,000,000 UZS (other regions and the Republic of Karakalpakstan).
Down payment
From 26% of the property value.
Interest rate
21,5% per annum.
Grace period
None.
Co-borrowers
Up to 3 co-borrowers with permanent income.
Their income is included in the calculation.
Income and debt load
Proven income for the last 6 months.
Minimum combined monthly income of the borrower / co-borrowers — from 1,050,000 UZS per month.
Maximum debt-to-income ratio (DTI) — up to 50%, meaning no more than 50% of income may already be going to loan payments.
Collateral
The purchased property is pledged as collateral.
Collateral requirements: the collateral’s value must not be lower than the property’s value.
Repayment
Monthly.
The repayment schedule can be annuity or differentiated (defined at signing).
Early repayment is allowed.
Payment date
You can choose a payment date between the 4th and 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
- Proof of down payment
- Documents confirming that the property is ready for transfer (cadastral documents and the handover act)
- ESMS checklist (environmental & social compliance)
Citizenship
Citizen of Uzbekistan
Age
Aged 21 to 70 years by the end of the loan term
Income
Income from UZS 1,050,000 per Month
Monthly Payments
Monthly Payments up to 50% of Income
Co-borrowers
Up to 3 Co-Borrowers
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
‘MA’QUL’ MORTGAGE LOAN
2.Purpose of the loan
For the purpose of purchasing residential property on the primary or secondary market
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
%
2,689,180,090 sum
6.Grace period for the loan (if exist)6.Grace period for the loan (if exist)
not exist
7.Periodic payments (monthly, quarterly and etc.)
each month
8.Loan repayment method (annuity method (equal amounts), differential method)
annuity method
9.The amount of a one-time payment during the payment period
14,538,250 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.)
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.)
not exist
12. Turla12.Bank commissions and fees by type (indicate separately)ri bo'yicha bankning komissiya va yig'imlari(alohida ko'rsatilsin)
not exist
13.Third party services (indicate separately)
not exist
14.Total cost of the loan (includes nominal interest rate and loan servicing costs)
3,489,180,090 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
Documents and Property Verification
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.
FAQs
The loan is provided for the purchase of residential property in the primary or secondary market. The property must be ready for occupancy.
The program is available in all regions of the Republic of Uzbekistan.
Maximum loan amount:
Up to UZS 800 million — in Tashkent;
Up to UZS 500 million — in the Republic of Karakalpakstan and other regions.
The minimum loan amount is UZS 50 million.
Up to UZS 800 million — in Tashkent;
Up to UZS 500 million — in the Republic of Karakalpakstan and other regions.
The minimum loan amount is UZS 50 million.
Citizens of the Republic of Uzbekistan with confirmed permanent income for the last 6 months.
Minimum age — 21 years.
Maximum age at the date of the final scheduled payment — 70 years.
The interest rate is 21.5% per annum.
The loan term ranges from 120 to 240 months.
No grace period is provided.
The loan term ranges from 120 to 240 months.
No grace period is provided.
The down payment is 26% of the property value.
The minimum monthly income of the borrower and/or co-borrowers must be at least UZS 1,050,000.
Total monthly payments on all loans must not exceed 50% of the confirmed income.
Total monthly payments on all loans must not exceed 50% of the confirmed income.
Yes, up to 3 co-borrowers with permanent income may be included.
Repayment is made monthly under an annuity schedule.
The payment date can be selected between the 4th and 20th of each month.
Early repayment is allowed without additional charges.
The payment date can be selected between the 4th and 20th of each month.
Early repayment is allowed without additional charges.
The purchased property serves as collateral.
The collateral requirement must not be less than the property value.
The collateral requirement must not be less than the property value.
Passport / ID card;
Sale and purchase agreement;
Cadastral and collateral documents;
ESMS (environmental) checklist.
Sale and purchase agreement;
Cadastral and collateral documents;
ESMS (environmental) checklist.
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.
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