Mortgage for any home
Favourable credit conditions for the purchase of housing in the primary and secondary market
Maximum loan amount
Credit 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
The loan is granted to citizens of the Republic of Uzbekistan aged between 18 and 55 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:
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)
Number of co-borrowers:
Up to 5
Payment Schedule:
annuity or differentiated method (at the client's request)
Grace period (on a differential schedule): up to 3 months
Loan term: up to 7 years
Grace period (on a differential schedule): up to 8 months
Loan term: up to 10 years
Grace period (on a differential schedule): up to 18 months
Loan term: up to 15 years
Grace period (on a differential schedule): up to 24 months
Loan term: up to 15 years
In the case of female borrowers, a loan is allocated at a 0.5% lower interest rate according to paragraph 8 of the passport of this loan product.
When purchasing an apartment in the primary market (4 floors and above), insurance of the mortgaged object (housing) against insurance risks is not required.
It is not allowed to buy and sell housing purchased on credit between close relatives. In this case, close family ties between the borrower, co-borrower and seller must also be taken into account.
Housing can also be purchased through auction sales.
After the underwriter's positive decision on the mortgage loan, the client makes an initial deposit in the national currency called "Kafolat-3".
In this case, in cases where the borrower transfers the initial contribution funds directly to the account of the contracting organization when purchasing an apartment in the primary market, a document confirming the transfer of funds may be attached.
After the initial contribution funds are transferred to the account of the contracting organization, a mortgage loan must be allocated.
The solvency of an individual registered as a self-employed person, whose initial contribution is at least 30 percent, is scored based on the scoring developed by the Risk Management Department, taking into account his bank card turnover, rent, utilities and other expenses not prohibited by legislative documents, and if the scoring is passed, a loan must be allocated (for cadastrally registered housing).
Also, previously unused (with cadastral documents) cottage housing plots completed by a legal entity are also available for purchase at the expense of the primary market.
The borrower must not be older than 70 years old at the time of full repayment of the loan.
- 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)
Citizenship of the Republic of Uzbekistan
age from 18 to 55 years on the day of applying for a loan
official income – permanent and confirmed:
official employment,
entrepreneurial activity,
farming,
self-employment.
solvency – income must be sufficient to repay the loan and interest monthly
registration – if the borrower is self-employed, he must be registered with the tax authorities
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.
expenses for the services of a notary for the sale and purchase of a flat
cadastral expenses for registration of ownership rights
home insurance
Application sent Last updated date: 17.10.2025 11:10
