Family mortgage
Everything for a confident home purchase
For teachers with experience
A special program for highly qualified education specialists
Buying a home in a new building
The loan is provided for the purchase of an apartment on the primary market in commissioned buildings.
State support
Part of the down payment can be covered by funds from the State Budget.
Calculate the cost of the loan
Calculation Results
* Preliminary settlement is informational and is not considered a public offer. The final conditions for issuing a loan, including the interest rate, are determined individually by the Bank after consideration of the application.
| Month | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| Total | — |
| Insurance Costs | |
| Collateral Appraisal Costs | |
| Notary Costs | |
| Other Costs | |
* Preliminary settlement is informational and is not considered a public offer. The final conditions for issuing a loan, including the interest rate, are determined individually by the Bank after consideration of the application.
Information Sheet
on the terms of the loan -
1. Type of loan | Mortgage |
2. Purpose of loan | Purchase of apartments on the primary market in new buildings in Tashkent and regions of the Republic of Uzbekistan. |
3. Loan amount | loan_amount |
4. Loan term | loan_term |
5. Interest rate | interest_rate |
6. Total amount payable | total_payment |
7. Grace period | grace_period |
8. Payment frequency | Monthly |
9. Repayment method | payment_type |
10. Monthly payment amount | monthly_payment |
11. Insurance amount | insurance_sum |
12. Additional services amount | services_sum |
13. APR (amount) | psk_sum |
14. APR (%) | psk_percent |
The accuracy and reliability of this information sheet are confirmed.
Completed electronically: | current_date |
* This information sheet does not replace a loan agreement or a loan application, but helps to compare lending conditions of different banks and make an informed decision.
How to apply for a loan
Fill out the application on the website
Specify the loan parameters and basic details — it will take a few minutes.
Wait for the bank’s decision
The bank will review the application and send an SMS with the decision and terms.
Complete the process
Sign the agreement and complete the mortgage for the selected apartment.
Fill out the form and get a response
|
Purpose |
Buying an apartment in a new building. |
|
Loan object |
Apartments on the primary market in newly constructed and commissioned apartment buildings. |
|
Borrower / co-borrower |
The borrower must be a citizen of the Republic of Uzbekistan, under 60 years of age, a teacher with the highest qualification category, and at least 15 years of experience. The co-borrower must be a citizen with a permanent job or a stable income sufficient to repay the loan. |
|
Income requirements |
The debt burden, taking into account all monthly obligations, should not exceed 50%. |
|
Amount |
In Tashkent, the loan amount is up to 480 million soums; in other cities and rural areas, it is up to 380 million soums. The loan amount must not exceed 85% of the market value of the property. |
|
Term |
Up to 240 months |
|
Grace period |
Up to 6 months for principal repayment. |
|
Interest rate |
17% per annum |
|
Down payment |
From 15% of the property's value. Part of the down payment may be covered by state budget funds. |
|
Repayment |
Monthly |
|
Schedule |
Annuity or differentiated |
|
Collateral |
Acquired real estate. When purchasing an apartment on the new market, the requirement to insure the mortgaged property against insurance risks is waived. |
|
For the purchase of an apartment in a new building: |
According to the Bank's approved list; Resolution No. 182 of the Cabinet of Ministers of the Republic of Uzbekistan dated March 25, 2020, "On Approval of the Regulation on the Procedure for Paying Subsidies to Citizens for the Purchase of Housing"; |
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