Accredited new developments
List of new developments accredited by MKB, the state commission
Mortgage Tijorat
— Purchase any type of housing
Loan for apartment or house available to clients with official income and self-employed individuals, in primary or secondary markets
Apply
to 26.99% per annum
Interest rate
from 20%
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 “Tijorat” 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 housing on the primary or secondary market.
What you can buy
- An apartment on the primary or secondary market
- A parking space or storage unit that’s already on the bank’s balance sheet
- Property received by the bank as repayment of overdue loans (repossessed assets)
Who it’s for
- Citizens of the Republic of Uzbekistan with official income
- Self-employed citizens with a co-borrower
- Self-employed citizens without a co-borrower
Age
- From 21 years old
- By the date of the final payment — no older than 70
- After age 63, a life insurance policy (or a co-borrower with income) is required
Loan term
Up to 20 years (up to 240 months)
Loan amount
Up to 1.7 billion UZS
Minimum amount — 50,000,000 UZS
Down payment
- With official income — from 20%
- Self-employed — from 30%, if bank card turnover is at the required level (30% / 40% / 50%, depending on source of funds and how stable the self-employment income is)
- If the down payment comes from card turnover — from 50%
- If there’s an active existing mortgage for the last 3 months, that payment is added on top of the required down payment
Interest rate
- With official income — 22.5% per annum
- Self-employed with a co-borrower — 22.5% per annum
- Self-employed without a co-borrower — 26.99% per annum
Grace period
None
Co-borrowers
- You can add up to 3 co-borrowers with official income
- For self-employed borrowers with a co-borrower: co-borrowers are required
- For self-employed borrowers without a co-borrower: co-borrowers are not added
Income and debt load
For clients with official (permanent) income:
For self-employed borrowers without a co-borrower:
- You must confirm income for the last 6 months
- Minimum combined monthly income of 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
For self-employed borrowers without a co-borrower:
- Proof of income source is required (for example, bank card turnover)
- If there’s no confirmed income, the bank may assess income based on the tax declaration
Collateral
The purchased property is pledged as collateral.
Collateral requirements: at least 125% of the loan amount.
If the collateral is not registered yet, temporary coverage can be provided by an insurance policy or a guarantee until the final collateral is оформлено.
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 from the 4th to the 20th of each month.
Late payment
Overdue amounts may be debited automatically from the borrower’s / co-borrowers’ bank card without additional approval.
Documents
- Passport / ID
- Sale and purchase agreement
- Cadastral and collateral documents
For self-employed:
- Certificate of self-employment and client’s tax declaration
- Rental income is taken into account if there is a lease agreement registered with the tax authorities and payments for the last 6 months
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
‘TIJORAT’ MORTGAGE LOAN
2.Purpose of the loan
For the purchase of 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. Kreditdan5.The interest rate during the term of the loan (nominal amount) and the amount payable on this interest amount foydalanish muddati davomidagi foiz stavkasi (nominal miqdorda) va ushbu foiz miqdori bo‘yicha to‘lanishi lozim bo‘lgan summa
%
7,191,853,552 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
37,049,390 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)
14.Total cost of the loan (includes nominal interest rate and loan servicing costs)
8,891,853,552 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
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Last updated: 18.08.2026