Exclusive Mortgage


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

car

Maximum loan amount

1 billion sums

Interest rate

from 17,5 %

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.


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.


Полезно знать
  • 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

17,5 % (Central Bank rate + 4%)

- at the expense of the bank's funds
27,5 %  (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)

Файлы

Agreement_on_Mortgage.docx

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  • 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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    Дата последнего обновления: 07.11.2024 09:50  
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