Mortgage Oson —
Loan for New Buildings from Verified Developers
Government support, transparent terms, interest rate from 17.0% per annum, and minimal documentation required.
See Your Terms
from 17% per annum
Interest rate
from 15%
Down payment
up to 20 years
Repayment term
up to 420 mln UZS
Maximum mortgage amount
What you can buy
- Apartment in a new building (primary market)
- Apartment from a trusted developer with whom Ipoteka-Bank has an agreement
- Apartment with government support: part of the payment is compensated by the Ministry of Finance
Who can apply
Citizens of the Republic of Uzbekistan aged 18 to 60 (up to 70 at the loan maturity date).
After the age 63, life insurance or a co-borrower with income is required.
Minimum income: from 1,050,000 UZS/month for clients with official income; not required for self-employed.
Income proof for the last 6 months is required for clients with official income; not required for self-employed without co-borrower.
After the age 63, life insurance or a co-borrower with income is required.
- For clients with official income: Mortgage loans are available in all regions; minimum down payment from 15%.
- For self-employed individuals: Mortgage loans are available in Tashkent, Samarkand, Fergana, Khorezm, Navoi, Kashkadarya, and Bukhara; down payment ranges from 30% to 50% (depending on card turnover and asset availability).
Minimum income: from 1,050,000 UZS/month for clients with official income; not required for self-employed.
Income proof for the last 6 months is required for clients with official income; not required for self-employed without co-borrower.
Required Documents
- Identity document (Uzbek passport)
- For employed — income proof for the last 6 months
- For self-employed — income proof is not required (minimum down payment from 30%)
- Loan collateral — the purchased property (secured at the time of the transaction)
Calculate your mortgage terms
Mortgage type
Property value
Down payment from 15%
Loan term
738 640.02
UZSLoan amount
UZS
Interest rate
17%
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 to purchase an apartment on the primary market.
Financing starts from 17% per annum.
The program is available in all regions; for self-employed borrowers it’s only available in Tashkent, Samarkand, Bukhara, Jizzakh, Navoi, Kashkadarya, Surkhandarya and Ferghana.
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 420,000,000 UZS in Tashkent and Tashkent region,
up to 300,000,000 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
17% 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
You must confirm stable income for the last 6 months (for the borrower / co-borrowers).
For self-employed borrowers without a co-borrower:
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 is confirmed via a bank statement or tax declaration.
For self-employed borrowers without a co-borrower:
- minimum declared monthly income — from 1,050,000 UZS;
- the bank may request proof of income source.
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 is 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
You may also be interested in:
Accredited new developments
List of new developments accredited by MKB
Become a partner
Work with us — we will support you every step of the way. A personal manager will be available to assist you at any time.
Mortgage insurance
Here, we explain everything you need to know about insurance.
