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Mortgage Loan Product “Yangi Toshkent” (New Tashkent)

Mortgage loan

Acquisition of apartments in multi-family residential complexes via shared-equity participation in projects developed by the SUE “NEW TASHKENT CITY CONSTRUCTION DIRECTORATE UNDER THE CABINET OF MINISTERS” within the territory of New Tashkent, Tashkent Region.

Participation in construction on a shared-equity basis.

From 18%

Interest rate

Up to 20 years

Credit term

Up to UZS 1,280.0 million.

Loan amount

About loan

1	Loan Purpose	Acquisition of apartments in multi-family residential complexes via shared-equity participation in projects developed by the SUE “NEW TASHKENT CITY CONSTRUCTION DIRECTORATE UNDER THE CABINET OF MINISTERS” within the territory of New Tashkent, Tashkent Region. Participation in construction on a shared-equity basis.
2	Loan Amount	Up to 1,280.0 million UZS
		In this case, if the loan amount exceeds 480.0 million UZS, two separate loan agreements shall be executed.
		A loan portion of 480.0 million UZS shall be refinanced using funds from the Ministry of Economy and Finance upon completion of construction, execution of the handover certificate, and the formal registration of the property as loan collateral.	The portion exceeding the amount refinanced by the Ministry of Economy and Finance shall be funded using the bank's own resources.
3	Loan Term	Up to 20 years
4	Grace Period	Up to 6 months
5	Down Payment Amount	No less than 15 (fifteen) percent of the shared-equity construction contract value is required. In cases where the loan amount required for the housing purchase exceeds 480.0 million UZS, the down payment shall be at least 20 (twenty) percent. In this regard, compliance shall be ensured with the Loan-to-Value (LTV) ratio requirements established by the Central Bank of the Republic of Uzbekistan in the “Regulation on macroprudential standards applicable to banks and requirements for the maximum size of loan (microloan) payments” (Registration No.3618, dated April 22, 2025).
6	Interest Rate	18 percent per annum Furthermore, for the portion of the loan not exceeding 480.0 million UZS, the following condition shall apply: if the Central Bank’s main rate decreases compared to the rate effective at the time of disbursement, the interest rate shall be revised and set at the Central Bank’s main rate plus 4 percent, provided that the purchased apartment is pledged as collateral and the loan is refinanced using funds from the Ministry of Economy and Finance.
7	Disbursement Method	Disbursement is carried out via wire transfer to the developer's account based on a shared-equity construction contract.
8	Repayment Method	Annuity or differentiated
9	Loan Security	- The apartment in the multi-story residential building, acquired through shared-equity participation, shall be pledged as collateral upon completion of construction and formal execution of the handover certificate. Until the property under construction is pledged, the loan shall be secured by a Non-Payment Insurance Policy, a third-party guarantee, or other liquid assets pledged as collateral.

Take out a loan online

You can get online microloan via the Zoomrad mobile application!

Calculate your loan

Interest rate

from 18 %

to 50 %

Loan amount

150 000 000

soum

from 5 million soum

to 1.3 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

From 18%

Maximum loan amount

Up to UZS 1,280.0 million.

Credit term

Up to 20 years

Loan target

Purchase of apartments in apartment buildings, the construction of which is financed by JSC “Aloqabank”, on a shared-equity basis.

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.