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Mortgage Loan “Chimgan”

Mortgage loan

For purchasing apartments in multi-story residential buildings within the residential complex constructed on Sazbet Street, “Chimgan” MCA, Bostanlik district, Tashkent region.

18%

Interest rate

Does not exceed 20 years

Credit term

Up to UZS 1,180.0 million.

Loan amount

About loan

1	Loan purpose	For purchasing apartments in multi-story residential buildings within the residential complex constructed on Sazbet Street, “Chimgan” MCA, Bostanlik district, Tashkent region.
2	Eligible borrowers	1. To employees of JSCB “Turonbank”; 2. To all individuals purchasing apartments from the residential property constructed based on the order of “ALOQA AKTIV” LLC.
3	Loan amount	In an amount not exceeding UZS 1,180.0 million
		In this case, if the loan amount exceeds UZS 380.0 million, 2 (two) loan agreements shall be processed.
		UZS 380.0 million of this amount shall be refinanced through the funds of the Ministry of Economy and Finance (MEF)*.		The portion of the loan exceeding UZS 380.0 million shall be processed through the bank's own resource funds.
		*Note: If it is not possible to refinance the loan allocated to the borrower through the MEF funds (if the borrower has previously received a mortgage loan from the MEF resources or for any other reason), the total amount of the loan shall be allocated through the bank's own resources.
4	Loan term	For a term not exceeding 20 years
5	Grace period	Up to 6 months
6	Down payment amount	If the amount of the allocated loan does not exceed UZS 380 million and is refinanced through the MEF resources, the down payment amount shall be no less than 15 (fifteen) percent of the value of the sale and purchase agreement. When the loan amount required for purchasing a housing property exceeds UZS 380 million, or when the loan is allocated entirely through the bank's own resources, the down payment amount shall be no less than 20 (twenty) percent.
7	Loan interest rate	For the portion of the loan refinanced through the MEF resources, at the Central Bank's main rate + 1 percent.	For the portion allocated through the bank's own resources, at an interest rate of 18 percent per annum.
8	Disbursement method	It shall be carried out by transferring funds in accordance with the sale and purchase agreement.
9	Repayment method	Annuity or Differential
10	Loan security	- The housing property being purchased; - Additionally, a third-party guarantee or a pledge of other liquid property in cases of insufficient collateral, depending on the requirements of the credit policy.

Take out a loan online

You can get online microloan via the Zoomrad mobile application!

Calculate your loan

Interest rate

from 18 %

to 18 %

Loan amount

150 000 000

soum

from 5 million soum

to 1.2 billion soum

Loan term

months

from 3 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:

...%

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

18%

Maximum loan amount

Up to UZS 1,180.0 million.

Credit term

Does not exceed 20 years

Loan target

For purchasing apartments in multi-story residential buildings within the residential complex constructed on Sazbet Street, “Chimgan” MCA, Bostanlik district, Tashkent region.

Submission form

By crediting to the card, Transfer to the seller's bank account

Principal and interest repayment

Repayment method

Differentiated, Annuity

A taking out method

Bank branch

Grace period

Yes (up to 6 months)

Terms and Conditions

Required documents

To citizens of the Republic of Uzbekistan or stateless persons permanently residing in the Republic of Uzbekistan, aged 18 to 65 years

Information about the income of the borrower (co-borrowers, individual guarantor) is verified by the bank online through external sources.

In cases where it is not possible to verify income information online through external sources, the borrower (co-borrowers, individual guarantor) provides an income certificate.

Requirements

The original document verifying the client’s identity (citizenship passport or personal identification ID card). A copy of the original identity document is made by a bank employee.

Credit support

- An apartment purchased through equity participation in the construction of multi-story residential buildings is taken as collateral after construction is completed and the acceptance-transfer act is formalized;

- Until the constructed housing is taken as collateral, an insurance policy, a third-party guarantee, or a pledge of other liquid property is used to mitigate the risk of loan non-repayment.