Loans for specially designated young people

Mortgage loan

The loan to newly married couples of families included into the "Iron Book", the "Women’s Book" and to newly married couples included into the "Youth Book".

From 17%

Interest rate

20 years

Credit term

33 mln. sums

Loan amount

About loan

Terms and condition of the loans to newly married couples of families included into the “Temir daftar” (Iron Book), “Ayollar daftari” (Women’s Book) and to newly married couples included into the “Yoshlar daftari” (Youth Book) for additional dwelling construction in their individual homes at the expense of the Ministry of Finance funds.

Down payment amount	At least 15 percent of the cost of additional dwelling construction in an individual home
Annual interest rate on loan*	18% - in urban settlements, 17% - in rural settlements

* If the rate of the Central Bank (the CBR) of Uzbekistan decreases, the interest rate on the loan will reduce proportionately, and if the CBR increases, the loan rate will remain unchanged.

Potential borrowers (individuals) must meet the following criteria:

Citizens of the Republic of Uzbekistan reached the age of 18 years but not older than 30 (thirty) years on the loan application date;
newly married couples of families included into the Iron Book, Women’s Book and newly married couples included into the Youth Book (this must be the first marriage for both spouses registered not later than 3 years ago);
persons having a permanent job, permanent income from a private ancillary plot, farming or sole proprietorship, as well as another documented source of income, not prohibited by law, sufficient for monthly payment of the mortgage interest and principal in accordance with the payment schedule;
individuals with a Leverage Ratio not exceeding 80 (eighty) percent;
persons able to form a down payment of at least 15 (fifteen) percent of the cost of additional dwelling construction in an individual home;
persons previously not assisted with preferential mortgages and mortgage subsidies for acquiring a flat or individual home within affordable housing programmes;
have a lifetime ownership to the land plot for additional dwelling construction in an individual home and the duly approved design and estimate documentation;
persons having no overdue debts on previous loans at the time of the mortgage lending consideration.

*Lending operations are temporarily suspended*

Take out a loan online

You can get online microloan via the Zoomrad mobile application!

Calculate your loan

Interest rate

from 10 %

to 50 %

Loan amount

15 000 000

soum

from 10 million soum

to 33 million soum

Loan term

180

months

from 1 month

to 240 month

Repayment type:

Annuity Differential

Insurance expenses:

Notary expenses:

Collateral assessment costs:

Other:

Average monthly payment*

... soum

Annual interest rate:

...%

Full cost of the loan:

...%

Issue a loan

Information sheet

* The calculation is preliminary. The exact amount of the monthly payment will be determined by the bank based on the results of consideration of the application.

Loan terms

Annual interest rate

From 17%

Maximum loan amount

33 mln. sums

Credit term

20 years

Loan target

На покупку жилья

Submission form

Transfer to the seller's bank account

Principal and interest repayment

Monthly

Repayment method

Differentiated, Annuity

A taking out method

Bank branch

Grace period

Yes (Up to 6 months (at the wish of the client)

Terms and Conditions

Required documents

an original of the customer’s (co-borrower, individual guarantor) identity document. In this case, the bank officer takes a copy of the original identity document;
building materials sales contract(s) and/or contract(s) for additional dwelling construction in an individual home;
a certificate of the client's inclusion into the Iron Book, Women's Book and Youth Book;
a certificate of the first marriage of the client and their spouse;
a copy of the document(s) confirming a right of ownership to the land plot allocated for additional dwelling construction;
a copy of the cadastral document for the individual home with additional dwelling construction;
design and estimate documentation for additional dwelling construction and an expert opinion on the estimate;
collateral documents.

Requirements

Information on the borrower’s income (co-borrower, individual guarantor) is looked up by the bank online from external sources.

When the information on the borrower's income cannot be looked up online from external sources, the Borrower (co-borrower, individual guarantor) provides a statement of income.

When finding the Leverage Ratio, the average monthly income of the Client and the Co-borrowers is calculated as the arithmetic average of the income they have received in the last 12 months (when the employment period is less than 12 months - for the employment period).

The Borrower must have earned income for at least 6 months over the last 12 months.

The loan and relevant interest repayment shall be made commensurate with the loan agreement the Bank and the Borrower entered into and the annuity or differentiated payment schedule at the customer’s option.

Credit support

For newly married couples of families included into the Iron Book - a surety of the Foundation «Saxovat va ko’mak» (Kindness and Support);

For newly married couples of families included into the Women's Book - a surety of the Foundation “Ayollar daftari” (Women's Book);

For newly married couples included into the Youth Book (Youth Book) - a surety of the Foundation “Yoshlar daftari” (Youth Book).

Documents