Yangi uyga mortgage - 2
Your Path to Premium Property — with No Mandatory Insurance.
Maximum loan amount
Credit rate
Loan term
Down payment
Get a consultation or submit a preliminary application on the website
Choose a property and enter into a sale and purchase agreement with the property developer
Submit the required documents to the Bank, sign the loan agreement and receive the loan proceeds
- Passport or ID card
- Sale and purchase agreement
- Proof of income
- Loan security documents
(if required)
SMS
Send an SMS to 2500
At the Bank
At any Bank office
By Card
Via the 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.
Loan Purpose:
Purchase of an apartment on the primary housing market in a commissioned building that has been divided into individual units and is ready for final finishing.
Grace Period:
Up to 6 months, available at the customer’s request only under a declining-balance repayment schedule.
Number of Co-Borrowers:
Up to five.
Loan Amount:
- in the city of Tashkent — up to UZS 480 million;
- in other regions — up to UZS 380 million.
Loan Terms:
- For all customers:
- the policy rate of the Central Bank of the Republic of Uzbekistan plus 4 percentage points, with a down payment of at least 15%;
- the policy rate of the Central Bank of the Republic of Uzbekistan plus 3 percentage points, with a down payment of at least 25%.
- For payroll programme participants:
the policy rate of the Central Bank of the Republic of Uzbekistan plus 3 percentage points, with a down payment of at least 15%. - For employees of prosecution authorities:
the policy rate of the Central Bank of the Republic of Uzbekistan plus 3 percentage points, with a down payment of at least 20%.
Repayment Method:
Annuity or declining-balance, at the borrower’s choice.
Loan Term:
Up to 20 years.
Subsidy Approval Notice:
- UZS 30 million towards covering part of the down payment;
- partial compensation of interest payments is provided during the first five years of the loan term;
- the borrower must pay at least 5% of the property value from their own funds;
- the property must be purchased within the area specified by the subsidy programme;
- citizens permanently registered in Tashkent Region may purchase a home built in the city of Tashkent with a mortgage loan;
- for teachers with at least 15 years of professional experience who hold the highest qualification category or the position of Chief Teacher, 25% of the down payment may be covered from the State Budget;
- these teachers may purchase housing built in the city of Tashkent regardless of their place of permanent registration;
- for medical and pharmaceutical employees of public healthcare institutions with at least 15 years of professional experience, 25% of the down payment may be covered from the State Budget;
- these medical and pharmaceutical employees may purchase primary-market housing in the area where they work, regardless of their place of permanent registration;
- the subsidy approval notice remains valid for four months from its date of issue. Expiry of this period does not prevent further processing of the loan if, while the notice was valid, the property sale and purchase agreement was notarised, the loan agreement was concluded and the down payment was increased to the amount required to obtain the mortgage loan.
Loan Security:
- the apartment being purchased is mortgaged to the Bank;
- the loan is disbursed after the mortgage has been registered;
- mandatory insurance of the apartment is not required.
Additional Terms:
- self-employed employees of prosecution authorities are not eligible for a loan under this product;
- employment with prosecution authorities must be confirmed by a salary certificate or official service ID.
- citizenship of the Republic of Uzbekistan;
- aged between 18 and 60 inclusive on the application date;
- a regular and sufficient source of income;
- no current overdue debt under previously obtained loans, microcredits, leases or other obligations;
- the ability to make the required down payment for the property being purchased;
- the borrower must be applying for a mortgage loan under this programme for the first time. Loans obtained before 1 May 2024 are not taken into account;
- the loan application may be declined if three or more instances of overdue payments exceeding 90 days are identified during the review period specified by the product terms;
- self-employed employees of prosecution authorities are not eligible for a loan under this product;
- employment with prosecution authorities must be confirmed by a salary certificate or official service ID.
- from 1 April 2026, social tax payments are taken into account when granting mortgage loans to self-employed individuals;
- in 2026, social tax must have been paid in full for the preceding year;
- in 2027 — for the preceding two years;
- from 2028 onwards — for the preceding three years.
- original identity document;
- military service members submitting a military ID must also provide a copy of their passport;
- income information or electronic income data;
- a document or certificate confirming the successful auction bid and payment, if required;
- certificate of registration with the state tax authorities as a self-employed individual, if required;
- a document or certificate confirming social tax payments by the self-employed individual, if required;
- for migrant workers, a copy of the document confirming registration in the Labor Migration software system if the electronic system cannot be used, where required;
- for migrant workers, information on international money transfers sent to their family members or close relatives during the preceding six months, or supporting data if this information cannot be obtained through the relevant system or website, where required;
- for the purchase of primary-market housing, the sale and purchase agreement, cadastral documents and property handover and acceptance certificate;
- construction permit for the property, only for subsidised mortgage loans and where required;
- a Subsidy Approval Notice, where required, if part of the down payment and interest payments is to be covered from the State Budget of the Republic of Uzbekistan;
- other relevant documents required by law may also be requested.
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- notarial fees for executing the property sale and purchase agreement;
- cadastral fees associated with registering the property.
Issued for the purchase of apartments from the primary market
Make everyday payments using the convenient app
Application sent Last updated date: 16.10.2026 15:55
