All Credits
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".
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:
construction, reconstruction and repair of private houses.
Credit funds shall be allocated to a private contracting organisation, manufacturer/store of construction materials in accordance with the design and estimate documentation in the following order:
- up to 50% of the total loan amount after completion of work for the amount of down payment;
- up to 95% of the total loan amount after completion of works within the allocated loan amount;
- The remaining 5% of the total loan amount is repayable after the full realisation of the project.
That said:
- after signing the document on completed works between the client and the contracting organisation the responsible officer of the Credit Monitoring Service of the respective banking network personally inspects the completed works on site and draws up a target control document accompanied by photographs;
- upon submission of documents confirming the purchase of construction materials by the customer (invoices, bills of lading and other relevant documents), the responsible officer of the Credit Monitoring Service of the banking network inspects the performed works on site, attaches photographs and draws up a target monitoring act.
Interest rate of the loan:*
18 % (Central Bank rate + 4%)
Free period:
6 months (with differentiated payment method)
Maximum loan amount:
120,000,000 sums
First instalment:
15 % (of the value of the flat)
Payment schedule:
annuity or differentiated method (at the client's request)