“Maqsadli Ipoteka” Deposit
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“Maqsadli Ipoteka” Deposit
1. GENERAL TERMS
| Type | Savings |
| Currency | National currency (UZS) |
| How to open | At bank branches |
| Minimum amount | 0 UZS |
| Term | 12 months |
| Top-up | Crediting of the subsidy of the Ministry of Economy and Finance of the Republic of Uzbekistan upon opening of the special account; subsequent top-ups by the customer to the personal account — without restrictions |
| Partial withdrawal | Partial withdrawal of funds from the account shall not be permitted until the completion of the loan transaction or its termination (recognition as unsuccessful) |
| Interest capitalization | Not available |
| Auto-renewal | Not available |
2. INTEREST ACCRUAL AND PAYMENT
Interest shall accrue from the day following the crediting of funds to the deposit until the day preceding their return to the depositor. Interest is accrued separately on the Customer’s funds and on the subsidy funds
- At maturity: Interest on both accounts is paid in a single instalment upon closure of the accounts: where the transaction is successful — to the developer together with the principal amount; where the transaction is unsuccessful — from the personal account to the customer, and from the special account to the Ministry of Economy and Finance of the Republic of Uzbekistan.
3. INTEREST RATES (PER ANNUM)
UZS deposits opened at bank branches - 14%
4. EARLY WITHDRAWAL TERMS
Possible solely through the procedure of unilateral withdrawal from the transaction, subject to the simultaneous return of the subsidy to the Ministry of Economy and Finance of the Republic of Uzbekistan. The customer’s own funds are returned together with the accrued interest; the established interest rate is not reduced upon early return
5. INSURANCE
Deposits are guaranteed under the Law of the Republic of Uzbekistan “On guarantees of protection of citizens’ deposits in banks” up to 200 million UZS.
The Fund for Guaranteeing Citizens' Deposits in Banks of the Republic of Uzbekistan ensures the stability of the banking system, and also serves as a guarantee for the return of up to 200 million soums in deposits of the population. Repayment deadlines in case of an insured event: from January 1, 2026 — within 15 working days; from January 1, 2027 — within 7 working days.
