Mortgage for the primary market 2.0
The higher the down payment, the lower the rate
Loan Amount
Up to UZS 820 million — in Tashkent. Up to UZS 730 million — in the regions.
Loan Term
Depends on the mortgage amount:
— for loan amounts up to UZS 420 million — up to 240 months;
— for loan amounts exceeding UZS 420 million — up to 120 months.
Calculate the cost of the loan
Calculation Results
* Preliminary settlement is informational and is not considered a public offer. The final conditions for issuing a loan, including the interest rate, are determined individually by the Bank after consideration of the application.
| Month | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| Total | — |
* Preliminary settlement is informational and is not considered a public offer. The final conditions for issuing a loan, including the interest rate, are determined individually by the Bank after consideration of the application.
Information Sheet
on the terms of the loan -
1. Type of loan | Mortgage |
2. Purpose of loan | Purchase of apartments on the primary market in new residential developments in the city of Tashkent and regions of the Republic of Uzbekistan, financed through KVIU funds. |
3. Loan amount | loan_amount |
4. Loan term | loan_term |
5. Interest rate | interest_rate |
6. Total amount payable | total_payment |
7. Grace period | grace_period |
8. Payment frequency | Monthly |
9. Repayment method | payment_type |
10. Monthly payment amount | monthly_payment |
11. Insurance amount | insurance_sum |
12. Additional services amount | services_sum |
13. APR (amount) | psk_sum |
14. APR (%) | psk_percent |
The accuracy and reliability of this information sheet are confirmed.
Completed electronically: | current_date |
* This information sheet does not replace a loan agreement or a loan application, but helps to compare lending conditions of different banks and make an informed decision.
How to apply for a mortgage
Fill out the application on the website.
Specify the loan parameters and basic details — it will take a few minutes.
Wait for the bank’s decision
The bank will review the application and send an SMS with the decision and terms.
Complete the process
Sign the agreement and complete the mortgage for the selected apartment.
Fill out the form and get a response
Everything for a comfortable home purchase
Clear terms
Transparent interest rate with no hidden fees or additional charges.
Long loan term
The mortgage is issued for a term of up to 20 years to reduce the monthly burden.
Convenient repayment schedule
Choose an annuity or differentiated schedule — whichever is more convenient for you.
|
Loan purpose |
Purchase of apartments on the primary market in new residential developments in the city of Tashkent and regions of the Republic of Uzbekistan, financed through KVIU funds. |
|
Loan object |
Apartments on the primary market with ownership rights registered based on the commissioning act of completed construction, as well as apartments owned for no more than 3 years. |
|
Borrower / co-borrower |
Citizens of the Republic of Uzbekistan aged from 18 to 60 at the time of application. |
|
Income requirements |
Continuous confirmed income for at least the last 9 months. |
|
Debt burden |
Total monthly obligations of the borrower and co-borrower under all loans must not exceed 50% of income. |
|
Loan amount |
Up to UZS 800 million in the city of Tashkent; up to UZS 500 million in other cities and rural areas of the Republic of Uzbekistan. |
|
Loan term |
Up to 240 months (up to 20 years). |
|
Down payment |
At least 25% of the contractual value of the purchased property. |
|
Grace period |
Not provided. |
|
Interest rate |
19% per annum. |
|
Repayment |
Monthly |
|
Schedule |
Annuity or differentiated — at the client’s choice. |
|
One-time fee |
None. |
|
Collateral |
The purchased real estate financed by the loan. |
|
Collateral Requirements |
At least 125%–130% of the loan amount. |
|
Insurance |
Insurance of the purchased property in the amount of 100% of the purchase price under the sale agreement. |
|
Documents |
In accordance with the Bank’s approved list. |
|
Passport or ID card; |
|
Agreement for purchasing housing; |
|
Documents confirming income; |
|
Other documents — upon the bank’s request. |
