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Update: 4 August 2026, 14:20

"Mortgage Refinancing" Credit Product

Mortgage loan

Refinancing the borrower's mortgage loan in another bank, i.e., to repay a previously obtained mortgage loan

24%
Interest rate
not exceeding 20 years
Credit term
up to 800.0 million UZS
Loan amount
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About loan

No.

Parameters


Key terms

1

Loan purpose

Refinancing of the borrower's mortgage loan held with another bank, i.e. repayment of a previously obtained mortgage loan.

2

Loan amount

Up to 800.0 (eight hundred) million soums, but not exceeding the outstanding balance of the mortgage loan being efinanced.

3

Loan term 

For a term running until the maturity date of the mortgage loan being refinanced, provided that the term of the loan granted does not exceed 20 years.

4

Grace period

Up to 12 months on principal repayments.

5

Down payment

No down payment is required.

6

Interest rate 

24% per annum. 

7

Form of disbursement

Carried out by transferring funds to the relevant account for repayment of the loan at the original bank, in order to settle the outstanding balance of the borrower's mortgage loan held with another bank.


Take out a loan online

You can get online microloan via the Zoomrad mobile application!

Calculate your loan

Interest rate
24
%
from 24 %
to 24 %
Loan amount
150 000 000
soum
from 5 million soum
to 800 million soum
Loan term
44
months
from 3 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
24%
Maximum loan amount
up to 800.0 million UZS
Credit term
not exceeding 20 years
Loan target
Refinancing the borrower's mortgage loan in another bank, i.e., to repay a previously obtained mortgage loan
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 20 years)
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

  • Application;

  • The original identity document of the customer (co-borrower, guarantor – individual) (the bank employee will make a copy of the original identity document);

  • Loan collateral documents;

  • Credit documents from the bank that granted the initial mortgage loan under the mortgage being refinanced.


Requirements

A citizen of the Republic of Uzbekistan between the ages of 18 and 65 with a permanent source of income.

Credit support

Housing purchased, constructed, reconstructed, or renovated through the refinanced mortgage loan shall be taken as collateral.

In this case, if the refinanced mortgage loan was granted for housing renovation and other property was taken as collateral by the initial bank, other property may also be accepted as collateral for the mortgage loan allocated by JSCB "Aloqabank".


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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