Mortgage loan
About mortgage-loan
Loan calculator
| Date | Monthly payment | Debt balance | Percent | Main debt |
|---|
The calculation is preliminary. The exact amount of payments will be determined by the bank based on the results of the application review.
*FCV - expenses that the borrower pays for the period of lending.
Online loan application
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More about interest rates
| Term | Prepayment | Rate | Security |
| With official income | Acquired property in primary and secondary markets | ||
| up to 84 months | from 20% | 22.9% | |
| from 40% | 21.9% | ||
| up to 120 months | from 20% | 23.9% | |
| Without official income | |||
| up to 84 months | from 25% | 23.9% | |
| up to 120 months | 24.9% | ||
Questions and answers
A mortgage is a loan for purchasing residential property on the primary or secondary market with a mandatory down payment of at least 25% of the property value.
The maximum loan amount is up to 1,500,000,000 UZS.
The loan term is up to 10 years (120 months).
The interest rate starts from 21.9% per annum. The exact rate depends on the loan term and the selected repayment schedule.
The purchased property serves as collateral. The property must not be under arrest or pledged to third parties.
No additional costs are предусмотрены. Only standard notarial and registration procedures required by law may apply.
Payments are made monthly. The repayment method can be annuity or differentiated, at the client’s choice.
The mortgage application is reviewed within up to 5 banking business days.
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Important things to know about loans
What to consider when applying for a bank loan
Before taking a loan, evaluate the key parameters:
- Interest rate and total cost — compare not only the stated rate but also the total cost of credit (which includes all fees).
- Amount and term — borrow only what you need and for a comfortable period so that the payment does not exceed 40–50% of your income.
- Collateral — loans without collateral or a guarantor usually have higher rates but are easier to obtain.
- Disbursement and repayment method — managing your loan online via the mobile app is the most convenient.
Our specialists are always ready to help you calculate and choose the best option for your situation.
Main consequences of failing to repay a loan
Increase in outstanding debt: Penalties, late payment charges, and interest accrue on overdue amounts, increasing the total amount owed.
Enforcement against property and bank accounts: The bank has the right to recover outstanding debt from funds held in the borrower’s bank accounts and from their personal property through court proceedings or enforcement procedures. If the proceeds from the sale of the property are insufficient to cover the debt, the borrower remains responsible for the outstanding balance.
Liability of guarantors and pledgors: If the loan is secured by collateral or a guarantee, the obligation to repay the debt may extend to the guarantors or pledgors. They may subsequently claim reimbursement of the amounts paid from the principal borrower.
Restrictions on leaving the country: A debtor’s right to leave Uzbekistan may be temporarily restricted by a court decision or an order issued by a state enforcement officer.
- Negative impact on credit history: Information about overdue payments is reported to credit bureaus, which may make it difficult or impossible to obtain new loans or installment payment plans in the future.
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