Mortgage Tijorat
— Purchase any type of housing
Loan for apartment or house available to clients with official income and self-employed individuals, in primary or secondary markets
See Your Terms
24.99% per annum
Interest rate
from 20%
Down payment
up to 20 years
Repayment term
up to 1.7 bln UZS
Maximum mortgage amount
What you can buy
Apartments on the primary market
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
- Collateral — the purchased property (arranged during the transaction)
Calculate your mortgage terms
Mortgage type
Property value
Down payment from 20%
Loan term
938 321.37
UZSLoan amount
UZS
Interest rate
26,4%
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.
What you can buy
- An apartment on the primary or secondary market
- A parking space or storage unit that’s already on the bank’s balance sheet
- Property received by the bank as repayment of overdue loans (repossessed assets)
Who it’s for
- Citizens of the Republic of Uzbekistan with official income
- Self-employed citizens with a co-borrower
- Self-employed citizens without a co-borrower
Age
- From 21 years old
- By the date of the final payment — no older than 70
- After age 63, a life insurance policy (or a co-borrower with income) is required
Loan term
Up to 20 years (up to 240 months)
Loan amount
Up to 1.7 billion UZS
Minimum amount — 50,000,000 UZS
Down payment
- With official income — from 20%
- Self-employed — from 30%, if bank card turnover is at the required level (30% / 40% / 50%, depending on source of funds and how stable the self-employment income is)
- If the down payment comes from card turnover — from 50%
- If there’s an active existing mortgage for the last 3 months, that payment is added on top of the required down payment
Interest rate
- With official income — 24.99% per annum
- Self-employed with a co-borrower — 23.99% per annum
- Self-employed without a co-borrower — 26.99% per annum
Grace period
None
Co-borrowers
- You can add up to 3 co-borrowers with official income
- For self-employed borrowers with a co-borrower: co-borrowers are required
- For self-employed borrowers without a co-borrower: co-borrowers are not added
Income and debt load
For clients with official (permanent) income:
For self-employed borrowers without a co-borrower:
- You must confirm income for the last 6 months
- Minimum combined monthly income of 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
For self-employed borrowers without a co-borrower:
- Proof of income source is required (for example, bank card turnover)
- If there’s no confirmed income, the bank may assess income based on the tax declaration
Collateral
The purchased property is pledged as collateral.
Collateral requirements: at least 125% of the loan amount.
If the collateral is not registered yet, temporary coverage can be provided by an insurance policy or a guarantee until the final collateral is оформлено.
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 from the 4th to the 20th of each month.
Late payment
Overdue amounts may be debited automatically from the borrower’s / co-borrowers’ bank card without additional approval.
Documents
- Passport / ID
- Sale and purchase agreement
- Cadastral and collateral documents
For self-employed:
- Certificate of self-employment and client’s tax declaration
- Rental income is taken into account if there is a lease agreement registered with the tax authorities and payments for the last 6 months
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 | Tijorat |
| 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 | % |
| 248,814,836 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 |
162,401,236 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) | 1,948,814,836 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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