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.
See Your Terms
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
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.
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:
Co-borrowers:
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.
Calculate your mortgage terms
Mortgage type
Property value
Down payment from 25%
Loan term
800 804.24
UZSLoan amount
UZS
Interest rate
23%
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 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)
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 | Imkoniyat |
| 2. Purpose of the loan | For personal needs |
| 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 | % |
| 219,156,955 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 |
159,929,746 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.) |
By transferring funds to the client’s account |
| 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) | 1,919,156,955 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) | In the event of a delay in the repayment of the principal amount of the microloan, the borrower shall pay a penalty amounting to 180% of the overdue principal amount for the entire period of delay. |
| 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) | If the borrower fails to pay the interest within the specified period, the borrower shall pay the bank a late payment fee of 2% of the overdue payment amount for each day of delay, but not exceeding 50% of the overdue payment amount. |
| 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) |
Accredited new developments
List of new developments accredited by MKB
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Mortgage insurance
Here, we explain everything you need to know about insurance.
