Exclusive Mortgage
Purchase an apartment in the final stages of construction and design your own interior.
Maximum loan amount
Interest rate
Loan disbursement period
Down payment
Get a consultation or pre-apply online
Choose a home and draw up a purchase and sale agreement
Submit the documents to the bank, conclude the loan agreement
Passport or ID card
- Sale and Purchase Agreement
The loan is granted to citizens of the Republic of Uzbekistan aged between 18 and 50 with official employment.
SMS
Send to number 2500
At the bank
In bank offices
From card
Via SQB mobile application
pre-application?
This application has an introductory function to determine the creditworthiness of the payer and is not an offer contract. By completing the application, you will receive a preliminary decision from the bank on the issue of the mortgage.
Purpose of the loan:
for purchasing an apartment on the primary housing market. (with separated rooms and finished finishing)
Maximum loan amount:
up to 1 billion sums, including
-420,000,000,000 sums - for Tashkent
-330,000,000,000 sums - for the Republic of Karakalpakstan and other regions
(at the expense of the fund under the Ministry of Economy and Finance of RUz)
-580,000,000 sums - for all regions
(at the expense of the bank)
First instalment:
Not less than 20% of the apartment cost:
For mortgage loans financed by the Ministry of Economy and Finance — not less than 15%,
For mortgage loans financed by the Bank’s own funds — not less than 5%.
Maximum Credit term:
20 years
Payment schedule:
annuity or differentiated method (at the client's request)
Interest rate:
At the expense of the Ministry of Economy and Finance
the basic rate of the Central Bank of the Republic of Uzbekistan + 4%
At the expense of the Bank's own funds
the basic rate of the Central Bank of the Republic of Uzbekistan + 14%
1. Additional terms:
1. This product is regulated by the following regulations:
Decrees of the President of the Republic of Uzbekistan:
PF-5886 (28.11.2019), PF-6186 (11.03.2021), PF-33 (09.12.2021), PQ-377 (22.09.2022), PF-51 (13.04.2023), PF-70 (30.04.2024), PF-26 (21.02.2025);
Resolutions of the Cabinet of Ministers: No. 182 (25.03.2020), No. 56 (05.02.2021), No. 737 (06.12.2021).
2. After a positive underwriting decision, the down payment funds are placed on the Kafolat-3 deposit in national currency.
If, when purchasing housing on the primary market, funds are transferred directly to the account of the contractor, a supporting document must be provided.
3. A mortgage loan is issued only after the down payment has been transferred to the account of the contractor.
4. It is possible to purchase housing through auction trading.
5. If the share of non-performing (NPL) loans for this product exceeds 3%, the Risk Management Department has the right to suspend the issuance of loans for this product.
6. At the time of full repayment of the loan, the borrower must be no more than 70 years old.
- retirement pension
- income in the amount of 10% of the main activity in personal subsidiary, peasant farm or individual entrepreneurship (work experience of at least 6 months)
- At the time of applying for a mortgage loan, the borrower must be a citizen of the Republic of Uzbekistan aged 18 years or older, and at the time of full repayment of the loan - no older than 70 years (inclusive).
- Have a permanent place of work, or a permanent income from a personal subsidiary or farm, or from individual entrepreneurial activity, as well as other legal and documented sources of income sufficient to pay the accrued interest and principal on the mortgage loan monthly in accordance with the payment schedule.
- The borrower must use a mortgage loan provided under the Program for the first time. However, loans received before May 1, 2024 are not taken into account.
- passport or a document replacing it. If the client provides a military ID (for military personnel), a copy of the passport is also required;
- information/electronic data on income (can be obtained through the bank's electronic system);
- a purchase and sale agreement when purchasing housing on the primary market, a permit for commissioning a completed housing construction project (a permit for the construction of housing/an extract from the State Register on state registration of rights to a real estate object/cadastral documents);
- a report from an independent appraisal organization on the real market value of the property provided as collateral (if necessary);
- a document confirming victory at an auction (if housing is purchased through an auction);
- as well as other relevant documents provided for by law that may be required in the process of reviewing credit documents.
- Notary fees for buying and selling housing;
- Cadastral fees for registering property rights.
Application sent Last updated date: 09.09.2025 14:54
