19,5% per annum
Interest rate
from 26%
Down payment
up to 20 years
Repayment term
up to 800 mln UZS
Maximum mortgage amount
What you can buy
Primary market only — apartments in buildings commissioned no more than 3 years ago.
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.
Salaried employee with officially verified 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
- Proof of down payment
- Documents confirming property readiness (cadastral documents and handover act)
- 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
690 687.71
UZSLoan amount
UZS
Interest rate
19,5%
Fill out the form — and we’ll find the best solution for you
About the program
A mortgage to purchase an apartment on the primary market.
Repayments: annuity or differentiated. No grace period.
What you can buy
An apartment on the primary market in a multi-unit building that was commissioned no more than 3 years ago; title must be formalized via an acceptance/transfer act.
Who it’s for
Citizens of the Republic of Uzbekistan with official (permanent) income.
Age
- From 21. 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) up to age 70 inclusive.
Loan term
Up to 20 years (up to 240 months).
Loan amount
Minimum — 50,000,000 UZS.
Maximum — up to 800,000,000 UZS (Tashkent) / up to 500,000,000 UZS (regions and the Republic of Karakalpakstan).
Down payment
From 26% of the property value.
Interest rate
19.5% per annum (floating rate; the current level depends on the Central Bank’s base rate).
Grace period
None.
Co-borrowers
Up to 3 co-borrowers with verifiable official income.
Income and debt load
- Proven income for the last 6 months (for the borrower / co-borrowers).
- Minimum combined monthly income — at least 1,050,000 UZS per month.
- Maximum debt-to-income ratio (DTI) ≤ 50% (no more than 50% of income can go to loan payments).
Collateral
The purchased property becomes the collateral.
Collateral requirements — value not lower than the property’s value.
Repayment
Monthly. The schedule may be annuity or differentiated (defined at signing).
Early repayment is allowed.
Payment date
Any 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 authorization.
Documents
- Passport / ID
- Sale and purchase agreement
- Down-payment confirmation
- Cadastral documents and acceptance/transfer act
- ESMS checklist
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 | Qulay |
| 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 | % |
| 84,703,151 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 |
73,725,263 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) | 884,703,151 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) |
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