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Update date: 20 March 2024, 15:59

Mortgage loan (PD-№6186)

Cash desk
Mortgage loan

Allocation of mortgage loans for the purchase of housing in accordance with the Decree of the President of the Republic of Uzbekistan

17%-18%
Interest rate
20 years
Credit term
416 500 000 sum
Loan amount
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About loan

Allocation of mortgage loans for the purchase of housing in accordance with the Decree of the President of the Republic of Uzbekistan

      A number of changes have been made to the procedure for allocating mortgage loans for the purchase of housing in accordance with the Decree of the President of the Republic of Uzbekistan dated March 11, 2021 PD-6186 "On additional measures to provide housing by providing mortgage loans on market principles".


Mortgage loans allocated at the expense of the funds of the Ministry of Finance of the Republic of Uzbekistan

 ipoteka-UZ-RU-EN

         Loan amount

 
  • in the Republic of Karakalpakstan and regions – up to UZS 327,250,000
  • in Tashkent – up to UZS 416 500 000

         Interest rate

     
  • 17% per annum for rural areas of the republic *
  • 18% per annum for regional centers, cities and the Tashkent city *

         Loan term


         20 years


         Initial payment


         15%


         Loan repayment method


         Annuity and differential


         Grace period


         Up to 6 months

* (when the base interest rate of the Central Bank of the Republic of Uzbekistan decreases, the loan rates decrease proportionally, and when they increase, they remain unchanged)

         THE PROCEDURE FOR GRANTING MORTGAGE LOANS

The allocation of mortgage loans to the population for the purchase of an apartment in the primary housing market at the expense of the funds of the Ministry of Finance of the Republic of Uzbekistan is carried out in accordance with the following stages:

1st stage. Based on his (her) ability to pay, a citizen chooses at his discretion apartments that are sold on the primary housing market, and enters into a contract with a contractor.

2nd stage. A citizen who has applied to the branches of a commercial bank with a request to allocate a mortgage loan for the purchase of a selected apartment, submits the necessary documents together with the application.

3rd stage. Mortgage loans are allocated by the bank to potential borrowers after consideration of the application.

Potential borrowers must meet the following requirements:

  1. a) a citizen of the Republic of Uzbekistan who is 18 years old and no more than 60 years old on the day of applying for a mortgage loan;
  2. b) persons who have a permanent place of work and sources of income;
  3. c) the indicator of the debt burden of individuals, that is, the ratio of the average monthly payments of all loans to the approved average monthly income of the borrower (and co-borrowers) does not exceed 70 percent.

If the indicator of the debt burden of the borrower and co-borrowers exceeds the established norm, a guarantee of legal entities can be accepted to secure their debt obligations to the bank, and 50 percent of the annual net profit of the legal entity can be supplemented in the indicator of the debt burden of the borrower;

  1. d) persons who do not have overdue debts on loans received from credit institutions at the time of consideration of the issue of allocating a mortgage loan.

4th stage. After the adoption of a positive decision of the Bank to allocate a mortgage loan (transfer of subsidized funds to the bank for part of the initial payment for borrowers with a notification of the subsidy);

  • a loan agreement is drawn up between the bank and the borrower (co-borrowers);
  • the borrower enters into an insurance contract with an insurance company to insure the subject of the mortgage against risks;
  • a contract for the purchase and sale of housing is drawn up in accordance with the established procedure;
  • a mortgage agreement is concluded or the mortgage is registered in the State Agency Uzgoskomzemgeodezkadastr in accordance with the legislation.

Subsidies in accordance with paragraph 6 of Decree PD-6186:

More than 10 percentage points will be paid to cover the costs associated with the payment of mortgage interest over the first five years.
To cover the costs associated with the payment of part of the initial payment, a fixed UZS 32 million are allocated.



Video

Loan terms

Annual interest rate
17%-18%
Maximum loan amount
416 500 000 sum
Credit term
20 years
Loan target
To buy a house
Submission form
Transfer to the seller's bank account
Principal and interest repayment
Monthly
Repayment method
Differentiated, Annuity
A taking out method
Bank branch
Grace period
No
Size: 24.40 KB
Format: xlsx

Documents

Take out a loan online

You can apply for a loan at a Bank branch or on the website. Online applications are accepted around the clock and are processed quickly.

Fill in the online application form. Our employee will contact you and tell you about the conditions of registration and issue.

Information sheet
Download the Information sheet on the main conditions of the loan
FAQs
Still have questions? You can take a look at our Q&A database.

Terms and Conditions

Required documents
  • Application;
  • a copy of the borrower's passport (co-borrower, if any);
  • a document confirming the right of ownership of a house or apartment acquired on credit in accordance with the intended purpose of a mortgage loan, or a land plot (permanent use, lifelong possession with the right of inheritance, the owner of the property) for individual housing construction in accordance with the procedure established by law, a document confirming the right to exist, or a document confirming the right to individual housing to be reconstructed (to be copied and the original is returned);
  • Bank certificate confirming that at least 15% of the cost of the house has been deposited into a deposit account opened in the name of the borrower with Turonbank (notice of a subsidy to cover part of the initial payment, if any):
  • Primary contract for the purchase and sale of an apartment in a multi-storey building, signed by the borrower and the seller;
  • Other documents that should be required, if necessary, to verify the accuracy of the information specified in the submitted documents.
Requirements

In the process of obtaining a loan, the borrower bears the following expenses:

  • notary expenses;
  • the cost of preparing cadastral documents for the apartment;
  • insurance costs.
Security
pledge of property;
credit default risk insurance policy.

How can I get a loan?
1
To fill out an application
Taking out the loan begins with filing an application online or in one of branches of the bank.
2
Wait for a decision
The application will be processed within one working day.

Prepare the required documents. A manager will contact you, elaborate details and arrange an appointment
3
Take out the loan
Once the application is approved, we will transfer the money you paid for purchase to the seller's bank account

Calculate your loan

Minimum initial deposit
20
%
from 20 %
to 50 %
Necessary amount
1 000 000
soum
from 1 million soum
to 416.5 million soum
Loan term
240
mo
from 12 month
to 240 month
Interest rate
17
%
from 10 %
to 50 %
Repayment type:
Insurance expenses:
Notary expenses:
Collateral assessment costs:
Average monthly payment*
... soum
Annual interest rate:
...%
Full cost of the loan:
... soum
* The calculation is preliminary. The exact amount of the monthly payment will be determined by the bank based on the results of consideration of the application.
We are happy to help you
Our consultants are here to help you with all your questions. Just give us a call or request a call back.
If you have any questions, our team will answer them.
1220, +998 95 144-60-00
Single Call Center
Work schedule: 24/7

MyTuron mobile application is equipped with interactive services and a calculator.

Online chat with the Bank's Support Service is also available.

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