Mortgage loan (Yangi hayot) - JSCB «Turonbank»

About loan

Mortgage loan for the purchase of housing in the primary market at the expense of the Ministry of Economy and Finance.

Loan amount	From the funds of the Ministry of Economy and Finance: For the Republic of Karakalpakstan and the regions in an amount not exceeding 380,000,000.0 soums; For the city of Tashkent, in an amount not exceeding 480,000,000.0 soums. At the expense of the bank's own funds - in an amount not exceeding 900,000,000.0 soums.
Loan term	At the expense of the Ministry of Economy and Finance - for a term of no more than 240 months; At the expense of the Bank's own funds - for a term of no more than 120 months;
Interest rate	At the expense of the Ministry of Economy and Finance - the main rate of the Central Bank + 4%; At the expense of the bank's own funds - 25%.
Initial payment	15%
Loan repayment method	Annuity and differential

Special conditions:

If a borrower has used a mortgage loan allocated from the funds of the Ministry of Economy and Finance after May 1, 2024, they are not entitled to reuse this mortgage loan.
Citizens who have received a notification of receiving a subsidy for a down payment must form at least 5% of the housing value from their own funds when forming a down payment for a mortgage.
Insurance against the insurance risks of housing (the subject of the mortgage) acquired to secure the mortgage loan is not required.
This mortgage loan is applied both to mortgage loans allocated from the funds of the Ministry of Economy and Finance and to mortgage loans allocated by the bank from its own funds. At the same time, it is not permitted to allocate funds only from the own funds of the Ministry of Economy and Finance or a bank.
When processing this mortgage loan, a citizen is issued 2 applications and 2 loan agreements in the system; however, 1 loan agreement is concluded on paper, and the terms of each loan are specified separately, and a subsidy is applied in the part allocated from the funds of the Ministry of Economy and Finance.
This mortgage loan product is allocated only for the purchase of housing in houses for which cadastral documents have been issued.

Video

Loan terms

Annual interest rate

from 18%

Maximum loan amount

up to 1 380 000 000 soum

Credit term

up to 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

Tariffs for individuals

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Format: xlsx

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Documents

Contract sample - Mortgage loan (no official income)

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Format: pdf

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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

Information sheet

FAQs

Still have questions? You can take a look at our Q&A database.

To open FAQs

Terms and Conditions

Required documents

passport or ID card;
a certificate confirming the placement of initial contribution funds;
preliminary sale and purchase agreement.
money transfers sent by the borrower (co-borrowers) from abroad to the Republic of Uzbekistan for 6 consecutive months, a certificate of registration on the labor.migration platform.

Requirements

Citizens with an official source of income;
Self-employed citizens paying annual social tax;
Citizens against whom an insolvency case or enforcement proceedings have not been initiated by the Compulsory Enforcement Bureau;
Borrower - citizens of the Republic of Uzbekistan who have reached the age of 18 and are not older than 60 at the time of concluding the agreement, and who have a permanent place of residence;
Citizens who meet the Bank's current scoring requirements;
The subsidy is allocated to citizens who have a notification without scoring requirements.
The average monthly income of a borrower (co-borrowers and guarantors) is calculated by studying the official source of income for the last 12 months. (in case of work for less than 12 months - for the period of work, but not less than 6 months);
Self-employed citizens who have paid social tax for the last 12 months of the current year, for the last 2 years starting from 2027, and for the last 3 years starting from 2028, are allocated a mortgage loan;

Security

pledge of property;
credit default risk insurance policy.

Calculate your loan

Minimum initial deposit

from 15 %

to 100 %

Necessary amount

1 000 000

soum

from 1 million soum

to 1.4 billion soum

Loan term

240

from 12 month

to 240 month

Interest rate

from 18 %

to 50 %

Repayment type:

Annuity Differential

Insurance expenses:

Notary expenses:

Collateral assessment costs:

Average monthly payment*

... soum

Annual interest rate:

...%

Full cost of the loan:

... soum

Submit application

Information sheet

* 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.