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For individuals
...

Mortgage – at bank’s own expense

Mortgage loan

For the purchase of apartments or individual housing in apartment buildings on the primary and secondary housing market.

25%
Interest rate
Up to 10 years
Credit term
Up to 800 mln. sums
Loan amount
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About loan

The Bank grants the mortgage for the purchase of apartments in apartment buildings or stand-alone houses on the primary and secondary housing markets.


1

Down payment amount

Not less than 25% of a purchased home value

2   

Additional terms and conditions

To persons working in the Ministry of Preschool and School Education and the Ministry of Higher Education, Science and Innovation and being in on the bank’s payroll project for at least the last 3 months, the loan is granted at 24% p.a.





*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
24
%
from 10 %
to 50 %
Loan amount
150 000 000
soum
from 5 million soum
to 800 million soum
Loan term
60
months
from 1 month
to 120 month
Repayment type:
Insurance expenses:
Notary expenses:
Collateral assessment costs:
Other:
Average monthly payment*
... soum
Annual interest rate:
...%
Full cost of the loan:
...%
* 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
25%
Maximum loan amount
Up to 800 mln. sums
Credit term
Up to 10 years
Loan target
For the purchase of apartments or individual housing in apartment buildings on the primary and secondary housing market
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 12 months)
Information sheet
Download the Information sheet on the main conditions of the loan
FAQs
Still have questions? You can have a look at our FAQ database

Terms and Conditions

Required documents

a) An application;

b) An original passport of the customer (co-borrower, individual guarantor) (a bank officer takes a copy of the original passport);

c) An apartment or stand-alone house sale contract;

d) Loan security documents;

e) The borrower (co-borrower, individual guarantor) income data the bank looks up online from external sources. When the bank cannot find the borrower (co-borrower, individual guarantor) income data online from external sources, the Borrower shall provide a statement of income.

Requirements

To a borrower: A citizen of the Republic of Uzbekistan or a stateless person who is 18 years of age or older, but younger than 65, permanently resides in Uzbekistan and has permanent income.

The borrower (co-borrower, individual guarantor) income data the bank looks up online from external sources.

When the bank cannot find the borrower (co-borrower, individual guarantor) income data online from external sources, the Borrower shall provide a statement of income.

When finding the Leverage Ratio, the average monthly income of a customer and 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 - during the employment period).

The Borrower must have earned income for at least 5 months over the last 6 months.

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


Credit support

Pledge of a purchased home (in addition, pledge of other property and/or surety).


How can I get a loan?
1
Download Zoomrad mobile application
2
Pass the identification
3
Get the opportunity to get online loan
We are happy to help you
If you have any questions, our team will answer them.
+998 71 230-77-77
Contact Center 24/7

The mobile app Zoomrad features interactive services and a calculator.

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