Hamkor mortage
An apartment from BI Group — the comfort you’ve been dreaming of!
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Loan amount
Interest rate
Term of loan
Initial payment
Get advice or make a preliminary application on the website
Deliver the necessary documents to the nearest bank office
Receive payment by signing a loan agreement with the bank
Passport or ID card
Equity participation agreement in construction
Proof of income (salary, pension, individual entrepreneurship, etc.)
Documents on security
The loan is granted to citizens of the Republic of Uzbekistan aged between 18 and 50 with official employment.
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:
Financing of equity participation in the construction of multi-family housing - for facilities for which a general financing agreement has been concluded with the bank.
Annual interest rate:
Until the pledge is formalized:
- Central Bank key rate + 9% (used in calculating debt burden).
After the pledge is formalized:
- From the resources of the Ministry of Economy and Finance: Central Bank base rate + 4%
- From bank funds: CB base rate + 11.55%
- In some cases: basic CB rate + 6% (according to the options specified in the passport)
Maximum loan amount:
For the Republic of Karakalpakstan and regions: up to 500 million soumsFor the city of Tashkent: up to 800 million soums
Initial payment
At least 25% of the value of the apartment.
For a mortgage loan issued at the expense of the Ministry of Economy and Finance resource funds - at least 15%.
For a mortgage loan issued at the expense of the bank's own funds - at least 5%
Grace period
Up to 6 months on a differential schedule (at the client's request)
Payment schedule
Annuity or differentiated method (at the client's choice)
Maximum loan repayment period
20 years
Source of financing
At the construction stage — bank funds
After the housing is put into operation — funds of the Ministry of Economy and Finance of the Republic of Uzbekistan + attracted funds of the bank
Credit security
Before the mortgage of the apartment:
- Legal entity guarantee (at least 125%, 130% for related parties)
- Legal entity deposit (at least 20% of the value of the apartment).
- Additional property collateral (LTV ≤ 80%).
- Other collateral in accordance with the bank's requirements.
After the mortgage of the apartment:
- The purchased housing, registered as collateral in the name of the bank in official cadastral documents (LTV ≤ 80%).
LTV ≤ 75% for loans allocated at the expense of the resources of the mortgage refinancing company, collateral at least 133%.
Additional conditions
- The initial contribution is paid as follows:
– to the “Guarantee-3” deposit account, or
to the account of an accredited builder (with proof of payment)
Mortgages are only available for accredited properties.
The client must not have overdue debts on other loans.
Participation in the program is possible only once (for clients who have not previously used a state mortgage)
The borrower must not be older than 70 years old at the time of full repayment of the loan.
- A citizen of the Republic of Uzbekistan must be over 18 years old at the time of applying for a mortgage loan, and not older than 70 years old (inclusive) at the time of full repayment of the loan.
- Have a permanent job, as well as another source of income not prohibited by law and confirmed by documents, sufficient to pay the accrued interest and principal on the mortgage loan each month in accordance with the repayment schedule.
- Be 18 years old on the date of application for a mortgage loan and not older than 70 years old (inclusive) at the time of the last loan repayment;
- Have a permanent job, as well as another source of income not prohibited by law and confirmed by documents, sufficient to pay the accrued interest and principal on the mortgage loan each month in accordance with the repayment schedule.
Individuals:
- Citizenship of the Republic of Uzbekistan
- Be over 18 years old on the date of application and no older than 70 years old (including 70 years) at the time of full repayment of the loan;
- Have a permanent job, as well as another source of income not prohibited by law and confirmed by documents (salary, pension, dividends, income from renting property, etc.) - this income must be sufficient to cover monthly loan payments;
- No overdue debts on existing loans.
- Passport or other identity document (the Borrower has the right to submit it in digital form using the UIPSP — the Unified Interactive Public Services Portal). If the Borrower is a military serviceman, a copy of his/her passport or other identity document is taken, subject to visual identification of his/her military ID;
- Income information/electronic data (can also be obtained through the bank's electronic program);
- Agreement on participation in construction on a share basis;
- Documents related to loan collateral; Other relevant documents specified in the legislation may also be required
- For borrowers who do not have official income, a certificate of registration as a self-employed person with the State Tax Service (if necessary); Other relevant documents specified in the legislation may also be required
From co-borrowers (if any):
- Passport or other identity document (the co-borrower has the right to submit it in digital form using the UIPSP — the Unified Interactive Public Services Portal). If the co-borrower is a military serviceman, a copy of his/her passport or other identity document is taken, subject to visual identification of his/her military ID;
- Income information/electronic data (can also be obtained through the bank's electronic program); Other relevant documents specified in the legislation may also be required.
- Passport or other identity document (can be submitted digitally via UIPSP — the Unified Interactive Public Services Portal);
- For military personnel - a military ID (based on visual identification) and a copy of a passport or other identity document;
- Income information / electronic data (can also be obtained through the bank's electronic program).
Application sent Last updated date: 05.03.2026 10:43
