“IMKONIYAT” MORTGAGE LOAN
Amount
420,0 mln. uzs
Loan purpose
Credit term
till 240 month
| Product Name |
“Imkoniyat” Mortgage Loan |
|
|---|---|---|
| Purpose | Buy a house on the primary market (Financing house building through share participation, in cases where a General Agreement for financing of housing construction on the basis of share participation has been concluded with the Ipoteka-Bank) | |
| Partner organization (building address) and projects | 1) “O’zshahar qurilish invest” Engineering company LLC - Tashkent city, Yangi Hayot district, Yangi Darkhon and Tashkent city, Yangi Hayot district, 5-territory; - Tashkent city, Bektemir district, Iyk ota | |
| Client (individual 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 |
26% |
30% |
| Annual interest rate |
25,99% |
26,99% |
| 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 on a fixed income | |
| Obligatory supply | An apartment built on loan after the completion of housing construction (clients who have signed a general agreement with Ipoteka-Bank: a guarantee from the building company, investors, and contractors in an amount equal to the cost of housing or an insurance policy against the risk of loan non-repayment or other types of supplies provided for by law) | |
| 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 | ≤ 60% | |
| Documents to be provided | The clauses "Passport (ID card)" in the "Documents to be submitted" section of the Retail Credit Product Passports approved by Decisions | |
| Source of financing | Bank's own funds, as well as the Ministry of Economics and Finance’s funds | |
| Special conditions |
|
|
Attention
| Name | Summ |
|---|---|
Monthly payment (if calculated in annuity) |
9 UZS |
The minimum monthly income required for obtaining a loan |
13 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 | |
| 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 | % |
1,776 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 |
9 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) |
2,196 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) |
