Exclusive Mortgage (Temporarily suspended)


    Purchase an apartment in the final stages of construction and design your own interior.

    car

    Maximum loan amount

    1 billion sums

    Interest rate

    from 18 %

    Loan disbursement period

    up to 20 years

    Down payment

    30 %
    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.

    Find out the bank's decision

    Helping you buy the home of your dreams
    Documents required

    • Passport or ID card

    • Sale and Purchase Agreement

    • Income statement

    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

    Download JOYDA

    What's the purpose of the
    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
    • Loan conditions
    • Requirements for the borrower
    • Documents required
    Basic information

    Purpose of the loan:

    purchase of a flat on the primary property market, which is divided into rooms and requires final finishing

    Interest rate of the loan:

    - from the fund under the Ministry of Economy and Finance

    18% (Central Bank rate + 4%)

    - at the expense of the bank's funds
    28%  (Central Bank rate + 14%)

    Free period:

    6 months (with differentiated payment method)

    Maximum loan amount:

    up to 1 billion sums, including

    -420,000,000,000 sums - for Tashkent 

    -330,000,000,000 sums - for the Republic of Karakalpakstan and other regions

    (at the expense of the fund under the Ministry of Economy and Finance of RUz)

    -580,000,000 sums - for all regions    

    (at the expense of the bank)

    First instalment:

    30 % (of the cost of the flat)

    15 % is provided as part of the mortgage loan from the funds of the Ministry of Economy and Finance and another 15 % for the mortgage from the bank's own funds

    Payment schedule:

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


    Possible sources of income of the borrower:
    - salary (at least 6 months)
    - retirement pension
    - income in the amount of 10% of the main activity in personal subsidiary, peasant farm or individual entrepreneurship (work experience of at least 6 months)

    Files

    Agreement_on_Mortgage.docx

    Download
  • borrower - 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
  • a stable job or permanent income from a private farm, peasant farm, individual entrepreneurship or other sources of income that do not contradict the law. The income must be sufficient for monthly repayment of the accrued interest on the loan and the principal debt in accordance with the payment schedule
  • No mortgage loans allocated under the Poverty Reduction Programme and those in need of better housing conditions. The calculation does not include loans obtained before 1 May 2024.


  • Passport or other form of identification. If you provide a military card, you must also provide a copy of your passport
  • Income data/electronic data (can be obtained through the bank's electronic programme)
  • Documents confirming the sale and purchase of housing on the primary market, permission to use the property (including building permit, extract from the State Register of Registration of Rights to Real Estate, cadastral documents)
  • Report from an independent valuation company on the market value of the pledged property (if required)
  • It may also be necessary to submit other documents specified in the legislation
    • Additional loan costs:
    • Expenses for the services of a notary for the purchase and sale of the home;
    • Cadastre fees for the registration of the property;
    • House insurance.
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    Last updated date: 19.06.2024 17:08  
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