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All Credits
New build mortgage
Your chance to own a luxury property without home insurance.
Maximum loan amount
up to 420 million sums
Credit rate
from 17 %
Loan term
up to 20 years
Down payment
15 %
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.
Usefull to know
Basic information
Purpose of the loan:
purchase of a new flat in a new building
Free period:
6 months (with differentiated payment method)
Maximum loan amount:
in Tashkent - 420,000,000,000 sums
in the Republic of Karakalpakstan and other provinces - 330,000,000,000 sums
First instalment:
15 % (of the value of the flat)
Payment schedule:
annuity or differentiated method (at the client's request)
Additional conditions:
Insurance of the purchased apartment not required
Interest rate of the loan
17 %
With a down payment from 50%
Annual rate: key CBR rate + 3%
18 %
With a down payment from 15%
Annual rate: key CBR rate + 4%
17 %
With down payment from 15 %
Annual rate: key CBR rate + 3%
Additional terms and conditions:
- individuals registered as self-employed and who have made a down payment of at least 30%, 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)
- the borrower is a citizen of the Republic of Uzbekistan who has reached the age of 18 and is not older than 60 on the day of applying for a loan
- no overdue debts on previously obtained loans and other obligations
- permanent income uninterrupted for at least the last 6 months
- income document (electronic data is obtained by a bank employee through the Crobs programme)
- 10 per cent of cash receipts from the main activity of a household, farm and individual entrepreneurship
- passport or identity document. If a military card is provided, a copy of the passport must also be presented
- income data/electronic data (can be obtained through the bank's electronic programme)
- certificate of self-employment (if necessary)
- sale and purchase agreement on the primary market with the act of acceptance and transfer of the building for use (hokim's resolution/cadastral documentation)
- notification of a subsidy in cases where the down payment and part of the interest on the mortgage loan are reimbursed from the State budget of the Republic of Uzbekistan (if necessary)
- decision of the Commission for Assistance in Securing Housing for Needy Women (if available)
- Other documents specified in the legislation may also be required
- expenses for the services of a notary for the purchase and sale of a flat
- cadastral expenses for registration of ownership rights
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You can apply for a loan at the SQB office, or by submitting an application online.
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Last updated date: 19.06.2024 17:09
