Mortgage Loan for the Purchase of Housing from “O‘zshahar qurilish invest”

No.

Indicator

Conditions

1

Client

Individual with a permanent source of income (citizen of the Republic of Uzbekistan)

2

Developer

“O'zshahar qurilish invest” LLC and its affiliated construction companies (“Qurilish invest development” LLC, “Donat maximum” LLC, “Metal mahsulot servis” LLC, “Land house” LLC)

3

Credit Purpose

Purchase of residential housing (apartment) on the primary market

4

Funding Source

Funded from resources of the Ministry of Economy and Finance and the Bank's own funds.

(The portion funded from the Bank's own resources will be refinanced in the following month from the resources of “Mortgage Refinancing Company” JSC)

5

Amount

Total up to UZS 1,000,000,000 per borrower:

From Ministry of Economy and Finance funds:

for the Republic of Karakalpakstan and regions — up to UZS 380,000,000;

for the City of Tashkent — up to UZS 480,000,000.

Remaining portion: from the Bank's own funds or resources of “Mortgage Refinancing Company” JSC

6

Term

Ministry of Economy and Finance Funds

Remaining Portion

240 months

120 months

7

Down Payment

15%

20%

30%

8

Annual Interest Rate

CB Base Rate +3%

22.5%

22.0%

9

Loan-to-Value Ratio

LTV≤85%

LTV≤80%

10

Repayment Method

Annuity or differentiated method

11

Monthly Income

Salary (income for at least the last 6 months at the most recent place of employment)

12

Number of Co-borrowers

Up to 3 (three)

13

Collateral

Residential property (apartment) purchased with the credit

14

Documents Required:

Passport (ID card), sale and purchase agreement, collateral documents, cadastral documents, subsidy notification (if applicable).

15

Eligibility Criteria for Borrowers/Co-Borrowers (Individuals):

— a citizen of the Republic of Uzbekistan aged 18 (eighteen) to 60 (sixty) years (not having reached retirement age) as at the date of application.

— must have a permanent place of employment as well as other documented and legally permissible sources of income sufficient to make monthly payments of accrued interest and principal on the mortgage loan in accordance with the payment schedule.

— the debt service ratio (taking into account any subsidy for covering interest expenses on the mortgage loan, where applicable) must not exceed 50%.

— no overdue debt with banks or other credit institutions at the time of consideration of the mortgage loan application.

No.

Indicator

Conditions

1

Client

Self-employed individual (citizen of the Republic of Uzbekistan)

2

Developer

“O'zshahar qurilish invest” LLC and its affiliated construction companies (“Qurilish invest development” LLC, “Donat maximum” LLC, “Metal mahsulot servis” LLC, “Land house” LLC)

3

Credit Purpose

Purchase of residential housing (apartment) on the primary market

4

Funding Source

Funded from resources of the Ministry of Economy and Finance and the Bank's own funds

5

Amount

Total up to UZS 1,000,000,000 per borrower:

From Ministry of Economy and Finance funds:

for the Republic of Karakalpakstan and regions — up to UZS 380,000,000;

for the City of Tashkent — up to UZS 480,000,000.

Remaining portion: from the Bank's own funds

6

Term

Ministry of Economy and Finance Funds

Remaining Portion

240 months

120 months

7

Down Payment

20%

40%

20%

40%

8

Annual Interest Rate

CB Base Rate +4%

CB Base Rate +3.5%

22.8%

22.5%

9

Loan-to-Value Ratio

LTV≤80%

10

Repayment Method

Annuity or differentiated method

11

Collateral

Residential property (apartment) purchased with the credit

12

Documents Required:

Passport (ID card), self-employment registration certificate and social tax payment certificate, sale and purchase agreement, collateral documents, cadastral documents, subsidy notification (if applicable).

13

Eligibility Criteria for Borrowers/Co-Borrowers (Individuals):

— a citizen of the Republic of Uzbekistan aged 18 (eighteen) to 60 (sixty) years (not having reached retirement age) as at the date of application.

— no overdue debt with banks or other credit institutions at the time of consideration of the mortgage loan application.

No.

Banking Service Office

Phone Number

1.        

Operations Department

(+99871) 207-62-84

2.        

“Tashkent” BSO

(+99871) 230-40-92

3.        

“Darkhan” BSO

(+99871) 237-06-45

4.        

“Yakkasaray” BSO

(+99871) 255-18-70

5.        

“Andijan” BSO

(+99895) 202-03-10

6.        

“Namangan” BSO

(+99869) 223-19-65

7.        

“Samarkand” BSO

(+99866) 237-74-02

8.        

“Termez” BSO

(+99876) 227-35-00

9.        

“Qarshi” BSO

(+99875) 227-25-25

10.    

“Fergana” BSO

(+99873) 244-40-28

11.    

“Jizzakh” BSO

(+99872) 226-20-16

12.    

“Bukhara” BSO

(+99865) 505-06-06

13.    

“Bektemir” BSO

(+99855) 901-10-10

14.    

“Digital” BSO

(+99855) 506-07-60