Mortgage Imkoniyat — <br/> Apartment in a building under construction with the Bank’s partners

Mortgage Imkoniyat —
Apartment in a building under construction with the Bank’s partners

Loan for new housing through shared-equity participation. Grace period during the construction phase.

from 0% to 23% per annum

Interest rate

from 20%

Down payment

up to 20 years

Repayment term

up to 1.7 bln UZS

Maximum mortgage amount

See Your Terms

What you can buy

Apartment on the primary market under a shared mortgage scheme — from developers who have a General Agreement with the bank for this type of financing.
List of new buildings

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.
Income requirements:

Salaried employee or self-employed.
Self-employed shall have a co-borrower with a stable income.
Verified income for the past 6 months (certificate or statement).
Minimum income level: the monthly income of the borrower and co-borrower shall be not less than 1,050,000 UZS (excluding self-employed).

Co-borrowers:

Up to three co-borrowers are allowed, each shall have an official income.

Required documents

Identity document (passport of the Republic of Uzbekistan)
Sale and purchase (investment/shared participation) agreement with the developer
Collateral documents: during the construction period — guarantee, insurance policy, or other forms; after the building is commissioned — the purchased apartment is pledged as collateral.

About the mortgage

Calculate the Payment

Property value

1 млн 1 млрд

Down payment

1 млн 1 млрд

Loan term

10 years

15 years

20 years

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

Consent to the processing of personal data

About the program

A mortgage for purchasing an apartment on the primary market. Financing is issued for shared participation in construction with developers that have a Master Agreement with the bank. After construction is completed and the property is formally pledged as collateral, it may be possible to refinance under the terms of the “Oson” program (if the refinancing program is active).

What you can buy

An apartment on the primary market within a shared-construction agreement from an accredited developer (under the Master Agreement).

Who it’s for

Citizens of the Republic of Uzbekistan with official (permanent) income
Self-employed citizens of the Republic of Uzbekistan — only together with a co-borrower

Age

From 21 years old. By the date of the final payment you must be no older than 70
After age 63, a life insurance policy is required (or a co-borrower with income) through age 70 inclusive

Loan term

Up to 20 years (up to 240 months)

Loan amount

Minimum — 50 million UZS Maximum — up to 1.7 billion UZS

Down payment

With fixed (official) income — from 20%
Self-employed with a co-borrower — 30%

Interest rate

With fixed (official) income — from 0% to 20% per year
Self-employed with a co-borrower — 23% per year

Special Conditions on Interest Rates from Developers

Developer China House — 20% during construction, 18% after receiving the cadastre.
Developer Stroy Premium House — 20% during construction, 18% after receiving the cadastre (subsidized interest rate from the developer — 2% per month, until the cadastre is received).

Grace period

From 6 to 12 months — for the construction period

Co-borrowers

Up to 3 co-borrowers with official income. For a self-employed borrower, a co-borrower is mandatory.

Income and debt load

Proven income for the last 6 months (for the borrower / co-borrower)
Minimum combined monthly income — at least 1,050,000 UZS per month (except for self-employed cases)
Maximum debt-to-income ratio (DTI) ≤ 50%, meaning no more than 50% of your income can already be going toward loans

Collateral

The purchased apartment becomes collateral after construction is completed. For developers under the Master Agreement, a guarantee / insurance policy against default risk, or other legally acceptable collateral, may also be used.

Repayment

Monthly. The repayment schedule can be annuity or differentiated (defined at the time of 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’ card without additional approval.

Documents

Passport / ID
Sale and purchase agreement
Collateral documents (pledge documentation)

Sample Mortgage Agreement (Primary Market)

PDF 3113.53 Кб

Sample Mortgage Agreement (Secondary Market)

PDF 3117.45 Кб

Public offer to join the universal service agreement for individuals

PDF 522.98 Кб

Universal service agreement for individuals

PDF 1508.39 Кб

Passport

PDF 75.52 Кб

Procedure for Releasing Collateral Assets or Substituting Collateral Items (Excerpt from the CMR)

PDF 4841.31 Кб

from 20%

Jomiy, Story premium house

Purchase of an apartment in the primary market at the construction stage

from 20% Soon

Harizma, Golden house

Purchase of an apartment in the primary market at the construction stage

Tashkent, Yashnabad District, Dustobod MFY, Sultonali Mashkhadiy Street, 210

from 20% Soon

San'at, BI NRG

Purchase of an apartment in the primary market at the construction stage

Tashkent, Yashnabad District, Dzhurabek MF, 27/3 Fargona Yuli Street

from 20% Soon

Assalom Sohil, Golden house

Purchasing an apartment in the primary market during the construction phase

Tashkent, Yashnabad District, Zhurabek MFY, 27 Fargona Yuli Street.

from 20% Soon

Botanika saroyi, BI NRG

Purchase of an apartment in the primary market at the construction stage

Tashkent, Mirzo Ulugbek District, 53 Shakhriobod Street

from 20%

O'rikzor, Land House Company

Purchase of an apartment in the primary market at the construction stage

Tashkent, Uchtepa District, Yusuf Sakkoki MSG

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

Section 1. Credit Information

1.Type of the loan

‘IMKONIYAT’ MORTGAGE LOAN

2.Purpose of the loan

Purchase of an apartment on the primary market (financing housing construction through equity participation, provided that a General Agreement on financing under this framework has been concluded with JSCB ‘Ipoteka-Bank’)

3.Amount of the loan (in national currency)

4.Term of the loan (in month)

Месяц

5.The interest rate during the term of the loan (nominal amount) and the amount payable on this interest amount

6,202,973,592 сум

6.Grace period for the loan (if exist)6.Grace period for the loan (if exist)

Only under the Classic-5 program, 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

32,929,057 сум

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)

not exist

13. Полная стоимость кредита (включает номинальную процентную ставку и расходы на обслуживание кредита)

7,902,973,592 Сум

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

Apply Now