Preferential mortgage loan

Mortgage loan with favorable conditions

From 17% per annum

Loan rate

Up to 800 million soums

Loan amount

Up to 20 years old

Loan term

Calculate the loan amount
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22%
Property price
600000000 sum
On term
120 month
Interest rate
17.5
Initial payment
20000000 %
Type of payments
Аннуитетный
Grace period
6 month
Monthly payment
sum
Loan amount
50000000 sum
Total payment
sum
Show details
Month Monthly payment Interest Main debt Balance

* If the mortgage loan required to purchase the apartment on the housing market exceeds the amount established by the ‘Yangi Tartib’ program, the missing part shall be allocated from the bank's own funds as follows:

Term

10 years with a grace period of 6 months

Interest rate

If down payment is 25%,

25% per annum

If down payment is 40%,

24% per annum

Loan amount

Regions – up to UZS 600,0 mln

Tashkent – up to UZS 800,0 mnl

Loan terms
Required documents
Requirements

Conditions for providing a mortgage loan in accordance with the Decree of the President of the Republic of Uzbekistan dated April 30, 2024 No. UP-70 «On additional measures to improve the mechanisms for issuing mortgage loans and improving the living conditions of the population in 2024»

Purpose of the loan

Housing purchase

Source of the loan

Funds of the Ministry of Finance of the Republic of Uzbekistan.

Loan term

20 years with a grace period of 6 months

Interest rate

For individuals with official income:

17.5% per annum with 15% down payment
17% per annum with 40% down payment

For individuals without official income
17.5% per annum with 40% down payment

Loan amount

In regions - up to 330.0 million UZS
In Tashkent - up to 420.0 million UZS

Type of payment

Annuity or differentiated

Provision

The purchased housing is accepted as security

If the mortgage loan required to purchase the apartment on the housing market exceeds the amount established by the «Yangi Tartib» program, the missing part shall be allocated from the bank's own funds as follows:

Purpose of the loan

Housing purchase

Loan facilities

At the expense of the Bank's own funds

Term

10 years with a grace period of 6 months

Interest rate

If down payment is 25%,

25% per annum.

If down payment is 40%,

24% per annum

Loan amount

Regions – up to UZS 600,0 mln
Tashkent – up to UZS 800,0 mnl

Payment type

Annuity or differentiated

Provision

The purchased housing is accepted as security

Required documents

  • Passport/ID card

  • Income Certificate of the borrower and co-borrower (if necessary)

  • Contract signed with a construction contractor for the purchase of housing on the primary market

  • A copy of the document confirming the ownership of private housing or an apartment in a multi-storey building on the secondary market

  • Certificate of Down Payment transferred to the deposit account, which is issued for the borrower

  • Design & Estimate Documentation and Expert Opinion prepared by a design organization that has a special license for the construction and reconstruction of private property

  • The loan is issued to citizens of the Republic of Uzbekistan, from 18 to 60 years old

For individuals who have received notices of subsidies:

  • Subsidies of 30 million UZS are available to cover part of the down payment, irrespective of the housing cost

  • Subsidies are allocated from the state budget to cover part of the interest rate that has exceeded 12 percentage points in the last 5 years

  • The down payment and subsidies allocated to cover part of the interest payments are paid when the area and price of the housing to be purchased do not exceed the limit and the calculated cost of housing

How to apply for a loan?

1
Calculate the loan amount on the website
2
Prepare the necessary documents
3
Visit the bank's office and apply for a loan
Transparent conditions

No hidden fees and penalties for early repayment. You know all the conditions in advance

Customer Support

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7.1. Plastic card of legal entity and individual entrepreneur (corporate card) in national currency

7.1.1 Issue of 3-year main/ additional card

80,000 UZS, including VAT

7.1.2 Extension of the validity of main/ additional card

80,000 UZS, including VAT

7.1.3 Reissue of main/ additional card in case of loss/ damage

80,000 UZS, including VAT

7.1.4 Reissue of main /additional card in case of technical malfunction

no commission fee

7.1.5 Penalty for loss/damage of main/ additional card

80,000 UZS, including VAT

7.1.6 Balance replenishment on the special Uzbek Soum card account of legal entity/individual entrepreneur (according to the applicable legislation)

0.5% of the amount transferred

7.1.7 Submission of the statement on money accounting on the corporate card

50,000 UZS, including VAT

7.1.8 Card registration in the stop list

no commission fee

7.1.9 Leasing of payment terminals to trade and service enterprises for accepting payment from UZCARD plastic cards and International payment cards, including:

a) to legal entities

25,000 UZS + VAT (charged monthly, on the first business day of the month following the month of the transaction)

b) to individual entrepreneurs

15,000 UZS + VAT (charged monthly, on the first business day of the month following the month of the transaction)

c) to Home Unit Companies

25,000 UZS + VAT (charged monthly, on the first business day of the month following the month of the transaction)

7.1.10 Processing of HUMO payment cards transactions of trade and service enterprise (acquiring)

0.2% of the transaction amount

7.2 Bank card of legal entity and individual entrepreneur in foreign currency (international)

7.2.1 Issue (emission) of main / additional card

a) Visa Business

UZS 230,000, including VAT

- minimum balance and down payment (unchanged until the card account is closed)

USD 100

b) Visa Business to an individual entrepreneur

UZS 170,000, including VAT

- minimum balance and down payment (unchanged until the card account is closed)

USD 100

c) Masterсard Business

UZS 1,200,000, including VAT

: For MasterCard, if the card currency differs from the transaction currency, the amount of 2% will be temporarily blocked

7.2.2 Reissue of main / additional card (after expiration of the card, to change the client's name, in case of card loss/damage, password loss, suspicion of fraud):

a) Visa Business

UZS 230,000, including VAT

b) Visa Business to an individual entrepreneur

UZS 170,000, including VAT

c) Masterсard Business

UZS 600,000, including VAT

7.2.3 Penalty for loss / damage of main / additional card, and for the card non-return by the client to the bank, including when applying for closing the special card account:

a) Visa Business

UZS 230,000, including VAT

b) Visa Business to an individual entrepreneur

UZS 170,000, including VAT

c) Masterсard Business

UZS 600,000, including VAT

7.2.4 The processing of transactions on cash receipt at terminals or ATMs abroad the Republic of Uzbekistan from the card issued by the National Bank

1% of the amount

7.2.5 Processing of transactions on non-cash payment for goods and services in the infrastructure of another bank (terminal/imprinter/ATM/self-service terminal/Internet, etc.) from the card issued by the National Bank:

a) Visa Business

no commission fee

b) Visa Business to an individual entrepreneur

no commission fee

c) Masterсard Business

No commission fee

Note: For MasterCard, if the card currency differs from the transaction currency, the amount of 2% will be temporarily blocked

7.2.6 Registration of the card in the Global stop list upon the Client's request

no commission fee

7.2.7 Reimbursement of expenses for the withholding by another bank of the card issued by the National Bank

1,15 Basic Estimated Amount, including VAT

7.2.8 Reimbursement of expenses for the transfer by the acquiring bank of the withheld card issued by the National Bank

Postal and telegraph expenses

7.2.9 Submission of an international card account statement on the official letterhead of the Bank

UZS 60,000, including VAT

7.3 For trade and service companies serving clients with cards in foreign currency

7.3.1 Processing of transactions of retailer and service outlet using international cards (VISA, MasterCard, UnionPay International, etc.):

a) Through a POS terminal in a trade and service enterprise and an EPOS terminal (according to an e-commerce project): - for cards issued by NBU JSC;
- for cards issued by other banks of Uzbekistan;
- for cards issued by foreign banks

1% of the transaction amount on the day of receiving coverage from international payment systems;
1.5% of the transaction amount on the day of receiving coverage from international payment systems;
3% of the transaction amount on the day of receiving coverage from international payment systems

b) Via a POS terminal installed in hotels

2.5% of the transaction amount on the day of receiving coverage from international payment systems

7.3.2 Penalty for the recovery of information on transactions against supporting documents submitted by the trade and service company

1% of the transaction amount

7.3.3 Penalty for loss and/or damage of payment terminal which can not be repaired

Actual cost of the terminal + 1,15 Basic Estimated Amount, including VAT

7.3.4 Processing (acquiring) of transactions of trade and service enterprises using HUMO/UZCARD payment system

a) On international cards through the payment system "UzCard"

0,2% of the transaction amount

b) VISA, MasterCard and UPI international cards, through HUMO payment system. When servicing international cards (VISA and MasterCard), a commission of 1.5% is charged from the card account in addition to the commission fee specified in this section. Visa cards issued in the Republic of Uzbekistan are the exception.

1% of the transaction amount. When servicing international cards (VISA and MasterCard), a commission of 1.5% is charged from the card account in addition to the commission fee specified in this section. Visa cards issued in the Republic of Uzbekistan are the exception.

c) VISA, MasterCard and UPI international cards, through UzCard payment system. When servicing international cards (VISA and MasterCard), a commission of 2% is charged from the card account in addition to the commission fee specified in this section. Visa cards issued in the Republic of Uzbekistan are the exception.

1% of the transaction amount

d) MIR international cards, through UzCard payment system

0.5% of the transaction amount

e) For payment transactions for products, works and services at trade enterprises using ‘Tez QR’ through ‘UZCARD’ payment system
Effective from May 1, 2024.

1% of amount

7.3.5 Processing transactions of a merchant conducted through the NBU's E-POS terminal*

a) By UzCard Sumy Plastic Cards

0,8% of the transaction amount

b) By HUMO / Visa UZS plastic card / UZS electronic wallet

0,5% of the transaction amount

7.3.6 The processing of transactions of retailer and service outlet via QR-Online system

0,15% of the transaction amount

*When the retail and service outlet pays for this service, the commission specified in subparagraph 5.1.12 of section 5 “Remote Services” of the tariff for commission fee for individuals is not charged to the client

7.3.7 Processing of transactions of the trade and service enterprise carried out on local cards (UzCard, HUMO, etc.), according to the e-commerce project

at least 1% of the transaction amount

7.3.8 Connection (registration) to the fiscal module and servicing online cash registers

1% of the amount

7.3.9 Monthly rent for commercial terminals of small business entities (with a monthly turnover of more than 100 000 UZS)

fee is not charged

7.3.10 Monthly rent for trading terminals of small business entities (with a monthly turnover of less than 100 000 UZS)
Terminals inactive for 6 months are withdrawn from the client

15% BEA, including VAT

Tariffing begins on June 10, 2024.

1.To open an account and other products, visit the NBU branch. Please find a list of all branches and their addresses Here.

2. Reserve an account Here.

1.To open an account and other products, visit the NBU branch. Please find a list of all branches and their addresses Here.

2. Reserve an account Here.

1.To open an account and other products, visit the NBU branch. Please find a list of all branches and their addresses Here.

2. Reserve an account Here.

1.To open an account and other products, visit the NBU branch. Please find a list of all branches and their addresses Here.

2. Reserve an account Here.

1.To open an account and other products, visit the NBU branch. Please find a list of all branches and their addresses Here.

2. Reserve an account Here.

1.To open an account and other products, visit the NBU branch. Please find a list of all branches and their addresses Here.

2. Reserve an account Here.