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Mortgage loan

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Terms of loan

Conditions for granting a mortgage loan for the purchase of housing and housing renovation in the primary and secondary markets at the expense of funds raised by the Uzbek mortgage refinancing company

1. Conditions for granting a mortgage loan according to Decree of the President of the Republic of Uzbekistan No. UP-5715 dated May 13, 2019 on Additional Measures to Develop and Expand Mortgage Loan Market

  • Purpose of loan - purchase of housing and renovation of residential premises
  • Source of loan - funds of an Uzbek company to finance mortgages.
  • Requirement to the borrower – a citizen of the Republic of Uzbekistan who is 18 years of age or older.
  • Terms:
    - 120 months minimum and 240 months maximum to purchase housing on the primary and secondary market
    - 120 months maximum for renovation of residential premises
  • Grace period – unavailable
  • Interest rate:
    - 17.5% for the purchase of housing on the primary and secondary market:
    - 16.5% for renovation of residential premises
  • Down payment –
    - at least 25 % for the purchase of housing on the primary and secondary market.
    - not required for renovation of residential premises.
  • Type of payment: - annuity
  • Maximum loan amount:
    - UZS 400.0 million for the purchase of housing on the primary and secondary markets;
    - UZS 80 million for renovation of residential premises.
  • Housing insurance: 100% replacement cost of housing.

Requirements to the borrower

  • The borrower must be over 18 years of age;
  • Joint borrowers must be family members (children and spouse);
  • The borrower’s debt burden must not exceed 50%;
  • Family income must not exceed UZS 15.0 million;
  • There must be a stable income for at least the last 6 months;
  • There must be no overdue debts on previously obtained loans;
  • There must be no mortgages previously originated by lending institutions;

Required documents

  • Passport copy;
  • Regular (permanent) sources of income;
  • Housing sale and purchase agreement;
  • Report on appraisal of housing by market value;
  • Documents relating to a joint borrower;
  • Estimates for renovation of existing housing;

2. Conditions for mortgage loan allocated according to Decree of the President of the Republic of Uzbekistan No. UP-6186 dated March 11, 2021 on Additional Measures to Provide the Population with Housing Through Mortgage Loans Based on Market Principles 

  • Loan Purpose - purchase of housing, construction of housing, reconstruction

  • Loan Source - funds of the Ministry of Finance

  • Borrower requirements - citizens of the Republic of Uzbekistan over 18 and under 60 years old.

  • Loan Period - 20 years.

  • Grace Period - 6 months.

  • Loan interest - 18%.

  • Down payment - at least 15% of the cost of the apartment.

  • Type of payment - annuity or differentiated payment

  • Maximum loan amount;
    In the regions: 327.2 mln. UZS
    In Tashkent city: 416.5 million UZS

For persons who have received a notification of the grant

  • To cover part of the down payment, grants amounted to 32.0 mln. UZS are allocated, regardless of the cost of housing

  • Grants are allocated from the state budget to cover part of the interest rate, which has exceeded 10 percentage points over the past five years.

The down payment and grant allocated to cover the part of the interest payments are paid in cases when the area and price of the purchased apartment do not exceed the maximum standard and the calculated cost of housing.


If you have any questions in relation to the construction and reconstruction of private property, please contact any branch of our bank in any region, except for Tashkent city.

3. Mortgage loan provided at the expense of own funds of NBU JSC:

Mortgage loan for construction, reconstruction, repair and purchase of housing.

  • Loan period: 120 months (the grace period is up to 24 months);
  • Interest rate:
    - 25% of the housing cost as a down payment - 24% per annum;
    - 30% of the housing cost as a down payment - 23% per annum;
    - 40% of the housing cost as a down payment - 21% per annum.

**Citizens without permanent income are required to make a down payment of at least 40 percent of the housing cost.

Мaximum loan amount:

- for construction, reconstruction and repair - 3000 Basic Estimated Amount;

- for purchase of housing – no limits.

Loan Arrangements

The purchased accommodation is accepted as a loan security.

Required documents
  • Copy of the borrower's and co-borrower's passports;
  • The bank electronically determines the borrower's and co-borrower's permanent income. If this cannot be determined, the borrower and co-borrower must submit supporting documents;
  • Income Certificate of the borrower and co-borrower;
  • Contract signed with a construction contractor for the purchase of housing on the primary market;
  • A copy of the document confirming the ownership of private housing or an apartment in a multi-storey building on the secondary market;
  • Certificate of Down Payment transferred to the deposit account, which is issued for the borrower;
  • Design & Estimate Documentation and Expert Opinion prepared by a design organization that has a special license for the construction and reconstruction of private property;
Calculate the amount of credit you will be able to get
Select the area where you want to buy a home
Loan Period
Grace period
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Commission for credit organization
Insurance payment
Other services(Notary, the evaluation of pledge property)

Payment schedule

Month Principal debt The interest on the loan Total repayment amount Balance
Total 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 the consideration of the application

The calculations are made on the basis of the data provided and may differ from the calculations made in the bank
Monthly income 0 sum
Expenses 0 sum
Monthly fee 0 sum
Available loan amount 0 sum
Maximum amount for a credit product 352000000 sum

Latest site update date: 02/26/2024 02:43:08 pm

License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
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