Accredited new developments
List of new developments accredited by MKB, the state commission
Mortgage Oson —
Loan for New Buildings from Verified Developers
Government support, transparent terms, interest rate from 16,99% per annum, and minimal documentation required.
Apply
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
Calculate Payment
1 млн
1 млрд
15%
90%
1
1 Mo.
we'll show how comfortable the payment is
% of income - High debt burden, the bank will consider all your loans A good target for your new payment Acceptable, but the bank will consider all your loans
The bank considers all active loans
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
How to Make Your Monthly Payment More Affordable
The bank will take each of these factors into account when reviewing your application
Extend the Loan Term
Increase the Down Payment
Add Co-Borrowers
Check if the “Oson” 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
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
About this mortgage
About the program
A mortgage to purchase an apartment on the primary market.
Financing starts from 16,99% per annum.
The program is available in all regions; for self-employed borrowers it’s only available in Tashkent city, Samarkand, Bukhara, Kashkadarya, Fergana, Namangan, Andijan, Sirdarya and Jizzakh regions.
You can also finance part of the commercial space of the property under the “Tijorat” terms.
What you can buy
An apartment in a new building (primary market).
Who it’s for
- Citizens of the Republic of Uzbekistan with official (permanent) income
- Self-employed citizens of the Republic of Uzbekistan with a co-borrower
- Self-employed citizens of the Republic of Uzbekistan without a co-borrower
Age
- From 18 years old.
- By the date of final payment — no older than 70.
- After 63 years old, a life insurance policy is mandatory, unless there is a co-borrower with income. Insurance (or co-borrower) must cover up to 70 years inclusive.
Loan term
Up to 20 years (up to 240 months).
Loan amount
Maximum — up to 480,000,000 UZS in Tashkent and Tashkent region,
up to 380,000,000 UZS in other regions and the Republic of Karakalpakstan.
Minimum — 50,000,000 UZS.
Down payment
- With official income — from 15%.
- For self-employed: 30–50%, depending on the source of funds for the down payment (for example, savings / deposit / cashflow from self-employment).
- If the down payment is provided from a bank card statement (card turnover) — from 50%.
- If you have an active mortgage for the last 3 months, that payment amount is added on top of the required down payment.
Interest rate
16,99% per annum.
Grace period
None.
Co-borrowers
Up to 3 co-borrowers with official income.
For self-employed borrowers, co-borrowers are allowed but not always required (the bank decides based on incoming documents).
Income and debt load
For clients with official income, stable income for the last 6 months must be confirmed for the borrower / co-borrowers.
Minimum combined monthly income — from 1,050,000 UZS.
For self-employed borrowers without a co-borrower, the minimum income requirement does not apply.
Maximum debt-to-income ratio (DTI) — up to 50%, meaning no more than 50% of total income may already be going to loan payments.
If there is no official income / payslip, the source of funds may be confirmed via a bank statement or tax declaration.
Minimum combined monthly income — from 1,050,000 UZS.
For self-employed borrowers without a co-borrower, the minimum income requirement does not apply.
Maximum debt-to-income ratio (DTI) — up to 50%, meaning no more than 50% of total income may already be going to loan payments.
If there is no official income / payslip, the source of funds may be confirmed via a bank statement or tax declaration.
Collateral
The purchased property is used as collateral.
Collateral requirements: the collateral’s value must be at least 117.5% of the loan amount (not lower than that).
Repayment
Monthly.
The repayment schedule can be annuity or differentiated (chosen at 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 automatically debited from the borrower’s / co-borrowers’ bank card without additional approval.
Documents
Base package:
For self-employed:
- Passport / ID
- Sale and purchase agreement
- Proof of down payment
- Cadastral documents and acceptance / transfer act
- Property valuation report from an appraiser (if required by the bank)
- ESMS checklist (environmental & social compliance checklist — the bank usually requires this in a regulatory manner)
For self-employed:
- Bank statement that confirms regular income from self-employment
- Tax declaration or proof of tax payments for the last 3 months
- Documents confirming the source of the down payment
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
Identification Document
Passport or ID card
Income Verification
Salary certificate for the last 6 months
Transaction Documents
Apartment purchase agreement
Property Documents
Cadastral and collateral-related documents
Collateral
The purchased property serves as collateral
Environmental Questionnaire
Completed ESMS (Environmental and Social Management System) checklist
Repayment Schedule
Annuity schedule — equal monthly payments throughout the loan term
Payment Date
From the 4th to the 20th day of each month
In Case of Overdue Payment
The overdue amount may be debited from the borrower's card without additional authorization, as permitted by the loan agreement
Primary Market Housing
The insurance premium is covered by the bank
Secondary Market Housing
Notary and insurance expenses are paid by the client
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
‘OSON’ MORTGAGE LOAN
2.Purpose of the loan
For the purchase of apartments in multi-storey residential buildings on the primary 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
%
1,208,878,241 sum
6.Grace period for the loan (if exist)6.Grace period for the loan (if exist)
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
7,036,993 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.)
kredit mablag‘lari sotuvchining hisobvarag‘iga o‘tkazish yo‘li bilan
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)
1,688,878,241 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 residential property in the primary market (apartments in newly constructed buildings).
The maximum loan amount is up to UZS 1.7 billion.
The minimum loan amount is UZS 50 million.
The minimum loan amount is UZS 50 million.
The program operates in all regions of the Republic of Uzbekistan.
For self-employed applicants, the loan is available in Tashkent city and Samarkand, Bukhara, Kashkadarya, Fergana, Namangan, Andijan, Sirdarya and Jizzakh regions.
For self-employed applicants, the loan is available in Tashkent city and Samarkand, Bukhara, Kashkadarya, Fergana, Namangan, Andijan, Sirdarya and Jizzakh regions.
Up to UZS 480 million — for property purchases in Tashkent and Tashkent region.
Up to UZS 380 million — in other regions and the Republic of Karakalpakstan.
The minimum loan amount is UZS 50 million.
Up to UZS 380 million — in other regions and the Republic of Karakalpakstan.
The minimum loan amount is UZS 50 million.
Citizens of the Republic of Uzbekistan with a permanent income, as well as self-employed individuals.
The loan is provided to clients applying for a mortgage for the first time under this program.
The loan is provided to clients applying for a mortgage for the first time under this program.
Minimum age — 18 years.
Maximum age at the date of the final scheduled payment — 70 years.
Maximum age at the date of the final scheduled payment — 70 years.
The interest rate is fixed at 16.99% per annum.
The loan term is up to 240 months (20 years).
There is no grace period.
The loan term is up to 240 months (20 years).
There is no grace period.
For individuals with permanent income — from 15%.
For self-employed applicants — from 30% to 50%, depending on card turnover, length of self-employment, credit history, and/or available assets.
If the down payment is confirmed through a bank card statement / card turnover only, the down payment is from 50%.
For self-employed applicants — from 30% to 50%, depending on card turnover, length of self-employment, credit history, and/or available assets.
If the down payment is confirmed through a bank card statement / card turnover only, the down payment is from 50%.
For applicants with confirmed income, the combined monthly income of the borrower and co-borrowers must be at least UZS 1,050,000.
For a self-employed applicant without a co-borrower, the minimum income requirement does not apply.
The maximum debt burden must not exceed 50%.
For a self-employed applicant without a co-borrower, the minimum income requirement does not apply.
The maximum debt burden must not exceed 50%.
Passport or ID card;
Sale and purchase agreement;
Confirmation of down payment;
Cadastral documents and property handover certificate;
For self-employed applicants: registration certificate;
For subsidy cases: subsidy allocation notice (PKM-182, PKM-749).
Sale and purchase agreement;
Confirmation of down payment;
Cadastral documents and property handover certificate;
For self-employed applicants: registration certificate;
For subsidy cases: subsidy allocation notice (PKM-182, PKM-749).
Up to 3 co-borrowers with permanent income may be included.
For borrowers over 63 years old, either life insurance is required or a co-borrower with permanent income must be added.
For borrowers over 63 years old, either life insurance is required or a co-borrower with permanent income must be added.
The purchased property serves as collateral.
The collateral value must be at least 117.5% of the loan amount.
The collateral value must be at least 117.5% of the loan amount.
If the required amount exceeds the established limits (UZS 480 / 380 million), the amount above the limit may be financed under the commercial mortgage program “Tijorat.”
If the borrower is older than 63, either life insurance valid until age 70 must be arranged, or a co-borrower with permanent official income must be added.
The required down payment depends on card turnover, length of self-employment, credit history, and/or available assets:
30% — if there is a positive credit history or confirmed assets (real estate or a car up to 3 years old);
40% — if there is no credit history or assets, but self-employment experience exceeds 2 years;
50% — if self-employment experience is less than 2 years and there is no credit history/assets;
If there is no card turnover — the down payment is 50%.
30% — if there is a positive credit history or confirmed assets (real estate or a car up to 3 years old);
40% — if there is no credit history or assets, but self-employment experience exceeds 2 years;
50% — if self-employment experience is less than 2 years and there is no credit history/assets;
If there is no card turnover — the down payment is 50%.
Use the mortgage calculator: enter the property price, down payment, and loan term — the system will display an indicative monthly payment and calculation parameters.
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.
Repayment is made monthly.
The repayment schedule may be annuity or differentiated (determined at the time of approval).
The payment date can be selected between the 4th and 20th of each month.
In case of overdue payments, the Bank may perform direct debit of the outstanding amount from the borrower’s/co-borrowers’ cards.
The repayment schedule may be annuity or differentiated (determined at the time of approval).
The payment date can be selected between the 4th and 20th of each month.
In case of overdue payments, the Bank may perform direct debit of the outstanding amount from the borrower’s/co-borrowers’ cards.
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Last updated: 03.06.2026