Mortgage Maqul -
Purchase an apartment in the primary or secondary market
For clients with verified official income
Apply
22,4% per annum
Interest rate
from 26%
Down payment
from 10 to 20 years
Repayment term
up to 800 mln UZS
Maximum mortgage amount
What you can buy
- Apartment in a new building (primary market).
- Apartment on the secondary market from the individual.
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. Employee with officially confirmed income for the past 6 months (certificate or statement) Up to three co-borrowers are allowed, each of whom shall also have an official income.
Required documents
- Identity document (passport of the Republic of Uzbekistan)
- Sale and purchase agreement
- Cadastral documents
- Proof of income for the past 6 months
- ESMS checklist (environmental and social questionnaire) — completed during the transaction
- Collateral — the purchased property (arranged during the transaction)
Calculate your mortgage terms
Mortgage type
Property value
Down payment from 26%
Loan term
764 778.45
UZSLoan amount
UZS
Interest rate
22,4%
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 housing on the primary or secondary market.
No grace period. Interest rate: 22,4% per annum.
What you can buy
An apartment on the primary or secondary market.
Who it’s for
Citizens of the Republic of Uzbekistan with verified (official) income.
Age
From 21 years old.
By the date of the final payment — no older than 70.
After age 63, a life insurance policy is required, or a co-borrower with income.
Loan term
From 10 to 20 years (up to 120–240 months).
Loan amount
Minimum — 50,000,000 UZS.
Maximum — up to 800,000,000 UZS (Tashkent) / up to 500,000,000 UZS (other regions and the Republic of Karakalpakstan).
Down payment
From 26% of the property value.
Interest rate
22,4% per annum.
Grace period
None.
Co-borrowers
Up to 3 co-borrowers with permanent income.
Their income is included in the calculation.
Income and debt load
Proven income for the last 6 months.
Minimum combined monthly income of the borrower / co-borrowers — from 1,050,000 UZS per month.
Maximum debt-to-income ratio (DTI) — up to 50%, meaning no more than 50% of income may already be going to loan payments.
Collateral
The purchased property is pledged as collateral.
Collateral requirements: the collateral’s value must not be lower than the property’s value.
Repayment
Monthly.
The repayment schedule can be annuity or differentiated (defined at signing).
Early repayment is allowed.
Payment date
You can choose a payment date between the 4th and 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
- Proof of down payment
- Documents confirming that the property is ready for transfer (cadastral documents and the handover act)
- ESMS checklist (environmental & social compliance)
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
www.ipotekabank.uz
Phone:(78) 150-11-22,
Contact center:1233
Section 1. Loan information
1. Type of the loan
Maqul
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
%
98,506,045 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
74,875,504 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)
898,506,045 uzs
Section 2. 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)
not exist
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
You may also be interested in
Accredited new developments
List of new developments accredited by MKB
Become a partner
Work with us — we will support you every step of the way. A personal manager will be available to assist you at any time.
Mortgage insurance
Here, we explain everything you need to know about insurance.
