For individuals Loans Mortgage-loan Mortgage for the “Nur” RC

Mortgage “Nur” — apartments in a new residential complex

Mortgage for the “Nur” RC
Your new home in the modern “Nur” RC
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Mortgage for the “Nur” RC

More about mortgage loan

Mortgage loan calculator

1 000 000 UZS
12 Months
18 %
Loan repayment method
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.

Rate %
Term in months month
Insurance expenses 0 UZS
Collateral valuation expenses 0 UZS
Full Credit Value (FCV)* %

*FCV - expenses that the borrower pays for the period of lending.

Ipak Yuli Bank's "Nur" mortgage is a special program for purchasing housing in the "Nur" RC. A convenient solution for those looking for a new premium house with a minimum down payment and understandable terms.

 

Key aspects

For your homes:
• The program was created specifically for apartments in the "Nur" RC.
• The apartment itself serves as collateral for the loan (if there is a cadastre)
• No hidden terms or overclaims

 

Convenience and flexibility:
• Down payment - from 15%
• Fixed rates: 18% and 19% depending on the term
• Loan term up to 10 years, amount up to 3.48 billion soums
• Preferential rate for the part of the total amount up to 480 million soums - 17.5% (if there is a cadastre)

 

Simplicity of formalization:
• A decision will be made within 2-3 working days.
• Minimum package of documents

 

 

Key benefits

• Mortgage specially developed for the "Nur" RC
• Convenient start option - only 15% down payment
• Fixed rates: 18% and 19% depending on the term
• Transparent and understandable terms - no hidden fees

 

How to get a mortgage

• Submit an application and provide information about your income
• Contact the Ipak Yuli Bank branch with a passport and a purchase and sale agreement for an apartment in the "Nur" residential complex.
• The bank assesses the solvency and considers the application.
• Make an initial payment and sign a loan agreement
• Make an initial payment and sign a loan agreement
• The bank transfers the funds to the apartment seller.

 

 

Why is this beneficial

• Opportunity to purchase an apartment in the modern "Nur" RC.
• Minimum down payment - from 15%
• Term up to 10 years - convenient payment schedule
• The apartment itself is accepted as security for the loan.

Online loan application

Apply for a loan in 5 minutes

+998
Tashkent city and Tashkent region

By continuing, you accept the user agreement

Questions and answers

18% per annum for up to 7 years, 19% per annum for up to 10 years.

From 15% of the apartment price in RC “Nur”.

• Passport (ID card) 

• Apartment purchase agreement 

• Payment order confirming down payment 

 

Title documents for the apartment: 

• handover act 

• cadastral extract (for apartments with cadastral registration) 

 

For apartments without cadastral registration: 

• account statements for the last 6 months 

• income confirmation documents 

• income declaration

Usually 2–3 business days.

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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