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Barcha kreditlar
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!
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
SMS
Send to number 2500
At the bank
In bank offices
From card
Via JOYDA mobile application
What's the purpose of the
pre-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.
Batafsil shartlar
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)
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
Oxirgi yangilanish sanasi: 19.06.2024 17:11
