“Maqul” mortgage loan
Amount
800 mln. uzs
Loan purpose
purchase of housing on the primary/secondary market
Credit term
till 240 month
Application for a loan
|
PRODUCT NAME |
“MAQUL” MORTGAGE LOAN |
|
Purpose |
purchase of housing on the primary/secondary market |
|
Client (physical person who is a citizen of the Republic of Uzbekistan) |
on a fixed income |
|
Term |
from 120 to 240 months |
|
Initial payment is not less than |
26% |
|
Annual interest rate |
21.99% |
|
Maximum loan amount |
- up to 800 mln UZS in Tashkent - up to 800 mln UZS in Tashkent |
|
Minimum loan amount |
50 mln UZS |
|
Grace period |
without grace period |
|
Co-borrower |
up to 3 co-borrowers with official income |
|
Collateral requirement |
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 |
|
Minimum income requirement |
monthly income of the borrower and co-borrower should not be less than 1,050,000 UZS |
|
Maximum debt load |
≤50% |
|
Documents to be provided |
identification document, sales contract, supply and cadastral documents, ESMS checklist (ecology) |
|
Source of financing |
from the Uzbekistan Mortgage Refinancing Company funds |
|
Special conditions |
Ø determining the creditworthiness of the client (co-borrower) is determined taking into account the requirements of debt load and credit history; Ø determining the solvency of the client, it is necessary to establish a loan in the form of annuity, repayment schedule of 4-20 days; Ø withdrawal of funds from the borrower's (co-borrowers') credit card in commercial banks on an acceptance-free basis; - the average monthly income of the borrower (co-borrower) should not exceed 17 million UZS; - there must not be a mortgage loan in the client's name; Ø collateral insurance (primary) premium is paid by bank for the duration of loan |
|
Loan accounting |
14901000………868 (with a unique customer code) |
Attention
| Name | Summ |
|---|---|
Monthly payment (if calculated in annuity) |
11 943 056 UZS |
The minimum monthly income required for obtaining a loan |
17 061 508 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 | Mortgage loan |
| 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 | % |
3,073,423,642 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 |
16,139,265 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) |
3,873,423,642 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) |
