Loan amount
Interest rate
Loan term
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
Income certificate
The loan is granted to citizens of the Republic of Uzbekistan aged between 18 and 60 who are included in the Poverty Alleviation Programme and need to improve their housing conditions based on the recommendation of the "Makhalla Seven".
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.
Loan Purpose:
purchase of housing on the primary or secondary market
Annual Percentage Rate:
22 %
Maximum loan amount:
3.5 billion sums
Down payment:
from 25 % (of the flat value)
Grace Period:
Up to 18 months (with differentiated schedule)
Payment Schedule:
annuity or differentiated method (at the client's request)
Loan repayment period:
15 yearsProperty purchased with borrowed funds is not transferable between members of the same family. Family ties between the borrower, co-borrower and seller are taken into account.
Housing can also be purchased through auction sales.
After a favourable decision on the mortgage, the client places the down payment on the Kafolat-3 deposit in the national currency. If the housing is purchased on the primary market and the funds are transferred directly to the account of a contracting organisation, this must be confirmed by documents. Once the transfer is completed, the loan will be disbursed.
If the down payment is at least 40 per cent, the self-employed person's ability to pay is assessed based on bank card turnover, rent, utilities and other expenses. If the scoring is successful, the loan will be granted (only for dwellings with an executed cadastre).
- Biometric passport (ID-card) or a document replacing it.
- Income certificate/electronic data (can be obtained through the bank's electronic system).
- Certificate of self-employment (if required).
- Document confirming payment of social tax (or relevant certificate).
- Preliminary contract of sale and purchase of housing.
- Cadastral documents and documents confirming the ownership of housing (for real estate that has undergone cadastral registration).
- Construction permits, estimate documentation, expert opinion (for under construction and unregistered properties).
- Document confirming victory at auction (if applicable).
- Report of an independent appraisal organisation on the value of the mortgaged property (if applicable).
- Note: during the review process, the bank may request additional documents in accordance with legal requirements.
Application sent Last updated date: 09.09.2025 14:54
