Mulk mortgage
Your Own House or Apartment — Choose What Truly Suits You.
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 60 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.
Loan purpose:
Purchase of residential property — an apartment or a detached house — on the primary or secondary real estate market.
Maximum loan amount:
Up to UZS 1,500,000,000 for the purchase of residential property in Tashkent.
Up to UZS 800,000,000 for the purchase of residential property in other regions.
Grace period:
Up to 12 months under a declining-balance repayment schedule.
Down payment:
At least 20% of the property value for purchases on the primary market.
At least 30% of the property value for purchases on the secondary market.
Repayment schedule:
Annuity or declining-balance, at the customer’s choice.
Disbursement method:
The loan proceeds are transferred to the property seller by bank transfer under the sale and purchase agreement.
Loan security:
- mortgage over the residential property being purchased;
- the loan amount must not exceed 80% of the property value;
- the value of the security must be at least 125% of the loan amount, or at least 130% for parties related to the Bank. An insurance policy may be provided to cover the unsecured portion;
- the property must be insured for the entire loan term;
- residential property purchased on the secondary market is subject to mandatory appraisal.
Loan term: up to 20 years
Grace period*: up to 12 months
Loan term: up to 10 years
Grace period*: up to 12 months
Loan term: up to 15 years
Grace period*: up to 12 months
Loan term: up to 20 years
Grace period*: up to 12 months
* The grace period applies under a declining-balance repayment schedule.
- transactions between close relatives are not permitted when purchasing property on the secondary market;
- residential property financed with a mortgage loan may be purchased through an auction;
- the borrower and the mortgagor must be the same person. The loan will not be granted if the collateral is owned by another person;
- residential property purchased on the secondary market must be appraised using the Bank’s E-baholash electronic system and its Ekspert-2 module. The customer must provide an appraisal report confirming the property’s fair market value;
- at Bank units where the committee responsible for approving the value of pledged property has been abolished, the final value of the residential property accepted as collateral may be determined by the Collateral Centre.
Citizenship of the Republic of Uzbekistan;
At least 18 years old on the application date and no older than 60 years, inclusive;
A stable source of income sufficient to repay the loan;
Verified income received during the preceding six months is taken into account;
No overdue debt under existing obligations;
The application will be rejected if the applicant has had three or more instances of payment arrears exceeding 90 days under previously obtained loans;
The debt-service-to-income ratio must not exceed 50%;
Up to five co-borrowers may be involved.
Passport or ID card;
Documents confirming income;
A document or certificate confirming that the applicant won the auction and made the required payment, if applicable;
Sale and purchase agreement;
Cadastral document;
Proof of the down payment;
Independent appraiser’s report.
Passport or ID card;
Documents confirming income;
Agreement with the property developer;
Construction documents;
Proof of the down payment;
Once cadastral registration has been completed, the apartment must be mortgaged to the Bank.
Passport;
Documents confirming income;
Up to five co-borrowers may be involved.
Certificate of registration with the tax authorities;
Proof of income for the preceding six months;
Passport and the standard set of documents.
Issued for the purchase of apartments from the primary market
Make everyday payments using the convenient app
Application sent Last updated date: 09.10.2026 16:50
