“Oson” mortgage loan
Amount
420 mln. uzs
Loan purpose
For purchasing property
Credit term
till 240 month
Application for a loan
|
PRODUCT NAME |
“OSON” MORTGAGE LOAN |
|
|
Purpose |
buy a house on the primary market |
|
|
Client (physical person who is a citizen of the Republic of Uzbekistan) |
on a fixed income |
self-employed person |
|
Term |
Up to 240 months |
|
|
Initial payment is not less than |
15% |
30% |
|
Annual interest rate |
main interest rate of Central Bank + 3,5% |
|
|
Maximum loan amount |
up to 420 mln UZS – Tashkent city; up to 330 mln UZS – Republic of Karakalpakstan and regions |
|
|
Minimum loan amount |
50 mln UZS |
|
|
Grace period |
without grace period |
|
|
Co-borrower |
up to 3 co-borrowers with official income |
|
|
Collateral requirement |
117,5% (not less than from the value of the housing) |
|
|
Obligatory supply |
pledge of the house to be purchased |
|
|
Age (min./max.) |
21 years of age (not older than 70 years at the end of the loan term) (customer/co-borrower) |
|
|
Life insurance |
- clients over 63 years old must provide life insurance coverage from ages 63 to 70; - at age 63, clients must either present life insurance or bring a co-borrower with stable income |
|
|
Minimum work experience |
borrower/co-borrower with 6 months income |
obligatory co-borrower with 6 months income |
|
Minimum income requirement |
monthly income of the borrower and co-borrower should not be less than 1,050,000 UZS (except self-employed) |
|
|
Maximum debt load |
≤50% |
|
|
Documents to be provided |
passport (ID-card), sale and purchase agreement, document confirming the down payment, documents confirming the readiness of housing for living (cadastral documents, deed of transfer of housing), subsidy notice (for subsidy loan) |
|
|
Source of financing |
Funds of the Ministry of Economy and Finance |
|
|
Special conditions |
Ø determination of the client's(co-borrower) creditworthiness is determined on the basis of a scoring model, taking into account the requirements for debt load and credit history; Ø determining the client's ability to pay, the loan should be set up in the form of an annuity/differential, repayment schedule of 4-20 days; Ø on the overdue part of the loan, withdrawal of funds from the borrower's (co-borrowers') bank card is made without acceptance; Ø When the loan amount exceeds the maximum amount of the “Oson” mortgage loan, the customer can avail the “Tijorat” mortgage loan product for the remaining loan amount; Ø the client must be using the mortgage loans disbursed within the program for the first time (It will be applied to the loans disbursed starting from the 2024 program); Ø collateral insurance premium is paid by bank for the duration of loan; Ø this passport is also applied to subsidized mortgage loans |
||
|
Loan accounting |
14903000………520/521 (with a unique customer code) |
14903000………182 subsidy (with a unique customer code) |
14903000………525 self-employed person (with a unique customer code) |
Attention
| Name | Summ |
|---|---|
Monthly payment (if calculated in annuity) |
4 677 359 UZS |
The minimum monthly income required for obtaining a loan |
6 681 942 UZS |
Application-2
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 |
|---|---|
1-section. Loan information |
|
| 1. Type of the loan | Ипотечный кредит |
| 2. Purpose of the loan | For purchasing property |
| 3. Amount of the loan (in national currency) | |
| 4. Term of the loan (in month) | month |
| 5. The interest rate during the term of the loan (nominal amount) and the amount payable on this interest amount | % |
1,096,981,465 uzs |
|
| 7. Grace period for the loan (if exist) | not exist |
| 8. Periodic payments (monthly, quarterly and etc.) | Monthly |
| 9. Loan repayment method (annuity method (equal amounts), differential method) | Annuity method |
|
10. The amount of a one-time payment during the payment period: Annuity method In differential method |
6,320,756 uzs |
|
11. 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.) |
with method of transferring money to the account of the supplier of goods/services |
| 12. Additional expenses related to the loan (if any): | not exist |
| Bank commissions and fees by type (indicate separately) | not exist |
| Third party services (indicate separately) | not exist |
| 13. Total cost of the loan (includes nominal interest rate and loan servicing costs) |
1,516,981,465 uzs |
2-section. Important conditions related to other financial obligations
| 1. In connection with the late repayment of the loan debt, a penalty (fine, penalty) provided in the contract is imposed (if there is such a condition) | for each day of late payment in the amount of 0.1 percent of the late payment amount |
| 2. The amount of the increased interest rate paid on the loan amount due to late repayment of the loan debt (if such condition exists) | Pays interest in an amount 1.5 times higher than the interest specified in the agreement. |
| 3. Collateral of the loan (minimum requirements for the subject of collateral, minimum cost of collateral) |
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 (indicate the phone number) the digital phone number or (indicate the bank's postal address) the address or (indicate the bank's email address) 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) |
