Mortgage for new buildings

Your own apartment on favorable terms

Sum

up to 420 000 000 UZS

Term

up to 20 years

Term rate

from 16,5%

Submit an application

Mortgage loan calculator

Necessary amount

1 000 000 UZS

For a period of months

12 Months

Interest rate

16.5 %

Loan repayment method

Collateral valuation expenses

Insurance expenses

Other

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.

More about mortgage loan

The mortgage for new buildings from Ipak Yuli Bank offers affordable and transparent financing to purchase an apartment in a newly constructed residential building.
Ideal for those who want to buy property on the primary market with favorable terms and without unnecessary bureaucracy.

Key Aspects

Favorable conditions:
• Interest rate — 17.5% p.a. in Tashkent, 16.5% in other regions
• Payroll card holders at Ipak Yuli Bank receive a reduced rate of 17% in Tashkent
• Currency — UZS

Accessibility:
• Down payment — from 15% (from 5% when purchased under a government-supported program)
• Loan term — up to 20 years
• Loan amount:
– up to 420 million UZS in Tashkent
– up to 330 million UZS in regions

Key Benefits

• No need to save for years to buy a home
• Long term — making monthly payments more affordable
• Simple and transparent terms
• No additional collateral — the purchased apartment serves as security

How to get the mortgage

• Visit an Ipak Yuli Bank branch with your passport and a preliminary sales contract
• Undergo a creditworthiness assessment
• Prepare and sign the mortgage agreement at the bank
• Register the collateral agreement with the Cadastre Agency
• The bank transfers funds to the seller

Why it’s beneficial

• Real opportunity to own an apartment in a new building
• Flexible terms for the capital and the regions
• Reduced interest rate for payroll clients of the bank
• Transparent process with no hidden fees

How to get a mortgage?

Visit a bank branch

Bring your passport and preliminary purchase agreement to an Ipak Yuli Bank regional branch.

Pass the scoring

The bank will assess your creditworthiness through its internal system.

Prepare and sign the documents

Once approved, sign the mortgage agreement at the bank.

Registration and loan disbursement

Submit application

Visit a bank branch

Bring your passport and preliminary purchase agreement to an Ipak Yuli Bank regional branch.

Pass the scoring

The bank will assess your creditworthiness through its internal system.

Prepare and sign the documents

Once approved, sign the mortgage agreement at the bank.

Registration and loan disbursement

Submit application

Online loan application

Apply for a loan in 5 minutes

Bank on map

Frequently asked questions

17.5% per year in Tashkent and 16.5% in the regions. Additionally, for Ipak Yuli salary card holders, the rate for new apartments in Tashkent is 17%.

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)