Mortgage for new buildings from Ipak Yuli Bank
Mortgage for new buildings
How to get a mortgage?
Mortgage loan calculator
| Date | Monthly payment | Debt balance | Percent | Main debt |
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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.
About mortgage loan
Why it is beneficial
• A real opportunity to purchase your own apartment on the primary market
• Accessible conditions for clients with different income levels
• Flexible parameters for Tashkent and the regions
• Fast application review — 2–3 business days
Main
Flexible conditions
• Interest rate
- With official income:
17–17.5% — Tashkent, 16.5% — regions - With unofficial income:
From 17% to 18%
• Possibility to apply without official income
• Loan currency — UZS
Accessibility
• Down payment — from 15%
• Loan term — up to 20 years
• Loan amount:
— up to 480 million UZS for Tashkent
— up to 380 million UZS for the regions
• Grace period — up to 6 months
(during this period only interest payments are required)
Advantages
• Opportunity to purchase an apartment in a new building even without official income
• Long loan term for more comfortable monthly payments
• Clear conditions and a transparent application process
• The purchased apartment serves as collateral for the loan
Online loan application
Apply for a loan in 5 minutes
Frequently asked questions
16.5% per year in the regions and 17–17.5% in Tashkent. For clients without official income, the rate ranges from 17% to 18%.
No, the purchased property itself serves as collateral.
Usually 2–3 working days after submitting all required documents.
• Passport (ID card)
• Preliminary purchase agreement
• Document confirming payment of the initial deposit
• Documents confirming the property is ready for occupancy (handover act and cadastral extract)
Bank on map
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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