Mortgages
| Loan term | up to 180 months |
| Loan purpose | Purchase of an apartment or independent house. |
| Annual interest rate | up to 120 months - 27.99%; |
| up to 180 months - 28.99% | |
| Loan amount | Up to 2700 BCV (BCV – Base calculated value) |
| Collateral security | A pledge (mortgage) of the purchased housing is drawn up |
| Repayment rate | The main debt - monthly |
| Accrued interest - monthly. | |
| The interest on the loan starts from the date of use of the loan funds on the actual balance of the loan debt. | |
| Requirements for a potential Borrower | Age from 18 years; |
| Residents of Uzbekistan | |
| Have a stable income; | |
| Have a positive credit history . | |
| Required documents | 1.Application for a loan. |
| 2. Availability of income documentation | |
| 3. Questionnaire to be filled out with a bank employee | |
| 4. An identity document from which a copy is made by the Credit Officer. | |
| 5. Cadastral documents of the acquired real estate | |
| 6.Property appraisal report from an independent appraisal company | |
| 7.A real estate presale agreement | |
| At the same time, the bank reserves the right to require other necessary documents when applying for a loan. | |
| Upon receipt of a mortgage loan, the Borrower must pay the following costs |
1.State duty for notarization of a mortgage agreement; 2. The costs associated with insurance of mortgaged real estate (mortgages). The basis for insurance is the amount of the collateral value of the property; 3.Payment for the assessment of collateral. |
| Loan form | A mortgage loan is provided in national currency (sum) in non-cash form by transferring credit funds to the seller’s account. |
| Loan application submission place | Loan application and loan processing is carried out in branches and branches of the bank. |
| Loan review period | The loan application processing period is 3 days from the date of application processing. |
| Additional fees for loan review and processing | N/A |
| Early repayment | It provides for early repayment of this type of loan without additional fees and penalties. |
| Grace period for principal and interest | N/A |
| Possible factors for making a negative decision regarding the provision of a loan | 1. Negative credit history (not timely repayment of principal and interest on loans, the presence of current overdue loans); |
| 2. Unstable income of a potential borrower or their absence; | |
| 3. Not correct, not reliable, not complete information which is provided by the potential borrower. | |
| 4. Lack of collateral for the loan. | |
| Possible factors for making a positive decision regarding the provision of a loan. | 1. Positive credit history (timely repayment of loans and interest, lack of current overdue loans). |
| 2. Stable income of the potential borrower | |
| 3. The availability of collateral in the quantity and volume necessary to cover the loan. | |
| In case of violation of the terms for repayment of the main debt on the loan, the interest rate on the amount of overdue debt increases 3 times from the date of formation of overdue debt. | |
| Attention! The interest loan amount is calculated on the basis of nominal interest rate. And the full loan value shows how much the loan will cost you in case of payment of interest sums and other types of payments in the established terms and in the established size. The procedure for calculating the total cost of a loan can be found in the "Loans" section. | |
| Attention! The rated interest rate of this loan may be changed. This change will be agreed with the borrower! | |
Mortgage loan agreement
doc(148 Kb)
Information sheet
doc(17 Kb)