Mortgage for any home

Favourable credit conditions for the purchase of housing in the primary and secondary market


Maximum loan amount

1.5 billion sums

Credit rate

from 26 %

Loan term

up to 15 years

Down payment

from 20 %
Getting a mortgage is easy!

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

Get a preliminary
answer in 2 minutes!

Doubtful about getting a mortgage? Fill in the online application form and find out the bank's decision now! You will need your passport and bank card details.

Helping you buy the home of your dreams
Documents required
  • Passport or ID card

  • Sale and Purchase Agreement

The loan is granted to citizens of the Republic of Uzbekistan aged between 18 and 60 with official employment.

Methods of loan repayment


Send to number 2500

At the bank

In bank offices

From card

Via JOYDA mobile application

Download JOYDA

What's the purpose of the

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.

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  • Loan conditions
  • Requirements for the borrower
  • Documents required
Basic information

Purpose of the loan:

purchase of any type of real estate on the primary and secondary markets

Maximum loan amount:

1,500,000,000 sums

First instalment:

at least 20 % (of the value of the flat)

Payment Schedule:

annuity or differentiated method (at the client's request)

Interest rate of the loan
26 %

Loan term: up to 7 years

Annual interest rate: 26%

27 %

Loan term: up to 10 years

Annual interest rate: 27%

28 %

Loan term: up to 15 years

Annual interest rate: 28%

27 %

Loan term: up to 15 years

Annual interest rate: 27%

Additional terms and conditions

- mortgage loans are not granted for the purchase of real estate with debts, arrests and other types of encumbrances

- the purchase and sale of housing between close relatives is not allowed. The relationship between the borrower, co-borrower and seller is also taken into account

- after a favourable decision on the mortgage loan, the customer makes an initial payment to the savings deposit in national currency "Guarantee-3", and after the housing purchased under the loan is secured, it is transferred to the appropriate account of the seller.

- in cases where the borrower transfers the funds of the down payment directly to the account of a contracting organisation (for a flat in the primary market), a document confirming the transfer of funds shall be enclosed

- in the primary market, the pledge can be granted before the building is commissioned. After the cadastral documents of the housing purchased with the loan have been drawn up, the loan collateral is exchanged for a mortgage

Special conditions

- individuals registered as self-employed who have made a down payment of at least 40 per cent, a mortgage loan may be granted  taking into account their expenses for bank card turnover, rent, utilities and other expenses not prohibited by law. In this case, the borrower's debt load is assessed on the basis of an average monthly income and expenditure certificate approved by the self-employed citizen (except for mortgage loans, which are granted on the basis of a subsidy notice)



Mortgage agreement

Basic Requirements:

  • Citizenship of the Republic of Uzbekistan

  • age from 18 to 60 years on the day of applying for a loan

  • Debt burden on all issued loans together with guarantee liabilities does not exceed 70% of the average monthly income

  • absence of overdue debts on previously obtained loans and other liabilities

  • constant income for the last 6 months

  • insurance contract and policy are issued for the entire loan period

  • income document (electronic data is received by a bank employee through the Crobs programme)

    List of documents to be accepted from the borrower/co-borrower:

  • passport or identity document. If you provide a military card, you must also present a copy of your passport

  • income data / electronic data (can be obtained through the bank's electronic programme)

  • certificate of self-employment (if necessary)

  • house purchase agreement

  • Cadastre and documents confirming ownership (for dwellings for which a cadastral certificate has been issued)

  • Housing construction permit, approved design and estimate document, expert opinion (for housing that has not been commissioned and does not have a cadastral document)

  • Report of an independent appraisal organisation on the valuation of the mortgaged property (if necessary)

Other documents specified in the legislation may also be requested.

Additional loan costs:

  • expenses for the services of a notary for the sale and purchase of a flat

  • cadastral expenses for registration of ownership rights

  • home insurance

Дата последнего обновления: 19.06.2024 17:11