Mortgage loan for the purchase of housing on the primary market
TERMS OF GRANTING MORTGAGE LOANS TO THE POPULATION AT THE EXPENSE OF THE MINISTRY OF ECONOMY AND FINANCE OF THE REPUBLIC OF UZBEKISTAN
| Client |
An individual (resident of the Republic of Uzbekistan) |
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Loan purpose |
Acquisition of housing on primary markets |
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Loan amount |
For the Republic of Karakalpakstan and regions - up to 330.0 million soums. in Tashkent - up to 420.0 million soums |
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Loan period |
up to 240 months |
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Initial payment |
If there is a regular source of income |
For self-employed clients |
|
15 % |
35 % |
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Annual interest rate |
Central Bank Base Rate+4 (four) percent |
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Method of payment |
annuity or differential |
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Monthly income |
Salary (income for at least 6 months from the last place of work) |
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Number of co-borrowers |
До 2 человек |
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Loan collateral |
- Housing (apartment) purchased on credit |
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The requirements for applicants /co-applicants (individuals): |
- A citizen of the Republic of Uzbekistan, who has reached the age of twenty (20) on the date of application and who is not older than sixty (60) years, who has not retired. - Having a permanent place of employment, permanent income from personal subsidiary or dehkan farming or individual entrepreneurial activity, as well as other sources of income not prohibited by law and documented, sufficient to cover the monthly payment of accrued interest on the mortgage loan and the principal in accordance with the payment schedule. The debt burden indicator, taking into account the subsidy to cover the interest costs of the mortgage loan (in the event of a subsidy), should not exceed sixty percent (60%) by January 1st, 2025, and fifty percent (50%) from January 1st, 2025 (the debt burden of self-employed individuals is not taken into account). There are no overdue debts to banks or other credit institutions at the time of considering the allocation of the mortgage loan. At the time of applying for a mortgage loan, self-employed individuals should ensure that the loan balance with banks and other financial institutions does not exceed 20 million soums. |
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Information Sheet on the main terms and conditions of the Loan
