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Mortgage – at the expense of the Ministry of Economy and Finance

Mortgage loan

These mortgages are granted following the allocation of funds by the Ministry of Finance of the Republic of Uzbekistan.

17,5%
Interest rate
Up to 20 years
Credit term
Up to 416,5 mln. sums
Loan amount
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About loan

Terms and conditions of the mortgage the JSC «Aloqabank» grants to individuals for the purchase of apartments in apartment buildings on the primary housing market at the expense of the Ministry of Finance of Uzbekistan, as well as for the construction (reconstruction) of stand-alone houses on land plots allocated to individuals for housing construction as required by law.

 

Indicators

Basic terms and conditions

1

Loan purpose

The purchase of apartments in apartment buildings on the primary housing market or the construction (reconstruction) of stand-alone houses

2

Loan period

No longer than 20 years (up to 6 months grace period on principal payments)

3

Interest on loan and down payment

The purchase of apartments in apartment buildings

15% to 30% down payment

18% p.a.

30% down payment or higher

17,5% p.a.

Строительство (реконструкция) индивидуальных жилья

At least 15% down payment

19% p.a.

*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.

Maximum mortgage amount per borrower and a fixed subsidy to cover the down payment portion.

 

                                                                                                                      Thousand sums

Territory

Maximum mortgage amount

Fixed subsidy to cover the down payment portion

1

The Republic of Karakalpakstan and provinces

327 250

32 000

2

Tashkent

416 500

Payment of the amount of exceeding the estimated cost of housing at the expense of loans provided by banks is not allowed.

Paying off the purchased apartment price exceeding the appraised value of the apartment at the expense of bank loans is not allowed.


*Lending operations are temporarily suspended*

Take out a loan online

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Calculate your loan

Interest rate
18
%
from 10 %
to 50 %
Loan amount
320 000 000
soum
from 5 million soum
to 416.5 million soum
Loan term
75
months
from 1 month
to 240 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
17,5%
Maximum loan amount
Up to 416,5 mln. sums
Credit term
Up to 20 years
Loan target
The purchase of apartments in apartment buildings or the construction (reconstruction) of stand-alone houses
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 (Available (up to 6 months (at the customer's request)))
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);

d) An apartment sale or stand-alone house construction (reconstruction) contract concluded with a contractor;

e) A notice of subsidy (for those with a positive opinion on the subsidy);

f) A copy of the document(s) confirming a right of ownership to the land plots allocated for housing construction (for those applied for loan on the construction (reconstruction) of a stand-alone house);

g) Design and estimate documentation for the construction (reconstruction) of a stand-alone house and an expert opinion on cost estimate (for those applied for loan on the construction (reconstruction) of a stand-alone house);

h) A building permit issued by the relevant organization(s) (for those applied for loan on the construction (reconstruction) of a stand-alone house);

i) Loan security documents.

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

Citizens of the Republic of Uzbekistan reached 18 (eighteen) years of age, but younger than 60 (sixty) as of the date of a mortgage application.

Persons with an income as basic salary, including remunerations paid for doctoral studies, pensions, as well as those with an income as 50 (fifty) percent of receipts from the bank accounts of persons conducting individual business.

Persons with a Leverage Ratio not exceeding 80 (eighty) percent (including the subsidy to cover the mortgage interest expenses).

Persons able to make at least 15 (fifteen) percent down payment of the apartment value purchased on the primary housing market (including the granted subsidy).

Persons able to make at least 15 (fifteen) percent down payment of the construction (reconstruction) cost of a stand-alone house (for those applied for loan on the construction (reconstruction) of a stand-alone house).

Persons able to form (to pay) a portion of the apartment purchased if its value exceeds the estimated value of the apartment.

Persons having no overdue debts to credit organizations on previous loans as of the date of considering the mortgage granting.

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. Также The Borrower must also have income for the last month.

 



Credit support

For mortgages to purchase an apartment in apartment buildings:

a) the apartment to be purchased;

b) an additional third party surety or additional pledge of other liquid assets as stipulated by a Credit Policy requirements.

 

For mortgages to construct (reconstruct) a stand-alone house:

а) dwelling being constructed (reconstructed) against a mortgage;

b) an additional third party surety or additional pledge of other liquid assets as stipulated by a Credit Policy requirements. Other liquid assets may be pledged as collateral until the construction (reconstruction) of the dwelling against a mortgage is completed. In such a case, when the construction (reconstruction) of the dwelling against a mortgage is completed, the assets originally pledged as collateral may be withdrawn from the pledge.

 



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

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