“Fayzli xonadon” mortgage loans

 No. 

 Indicator

Terms

1

 Сustomer (Borrower)

Citizens of the Republic of Uzbekistan with an official source of income

2

 Loan purpose

Purchase of residential property that has been commissioned (has a cadastral number), on the primary and secondary markets

3

 Source of lending

From the funds of JSC “Uzbekistan Mortgage Refinancing Company”

4

 Amount

For the Republic of Karakalpakstan and the regions – up to UZS 550.0 million

For the city of Tashkent and the New Tashkent area – up to UZS 1 billion.

5

 Term

up to 120 months

up to 180 months

6

 Down payment

25 percent

25 percent

7

 Annual interest rate

19.5 percent

20.9 percent

8

 Ratio of the loan amount to the housing (collateral) value

LTV≤75%.

(When housing is purchased on the secondary market, the housing value is taken as the lower of the value assessed by an independent appraisal organization and the amount of the sale and purchase agreement.)

9

 Payment method

Annuity or differentiated method (no grace period)

10

 Number of co-borrowers

up to 4 persons

11

 Form of loan disbursement

- When housing is purchased on the secondary market, funds are transferred to the seller’s bank card.

- When housing is purchased on the primary market, funds are transferred to the bank account of the construction (contracting) organization.

12

 Monthly income

Salary (income from the last place of work for at least 6 months)

13

 Collateral

Housing (an apartment) purchased with the loan

14

 Housing insurance

Must be insured for no less than the collateral amount

15

 Age limits for borrowers/co-borrowers

- citizens of the Republic of Uzbekistan who are at least 18 (eighteen) years old on the date of application and no older than 60 (sixty) years.

16

 Documents to be provided by the borrower

1. Citizen’s passport or ID card;

2. Bank certificate on the formation of down payment funds (where, when purchasing an apartment on the primary market, the borrower has transferred the down payment funds directly to the account of the contracting organization, a document confirming the transfer of funds);

3. A copy of the certificate of state registration of the right to the housing being purchased, or a copy of an extract from the State Register on state registration of the ownership right to the housing, or another document confirming the right to the housing;

4. A preliminary sale and purchase agreement concluded between the seller and the buyer;

5. A housing valuation report;

17

 Debt burden ratio

Must not exceed 50%

18

 Environmental and Social Management System (ESMS)

Mortgage loans may also be granted for housing with asbestos (chrysotile) cement roofing (slate), subject to compliance with the requirements of the Environmental and Social Management System. Every mortgage loan must be reviewed for ESMS.

19

 Credit committee decision

Minutes of the meeting of the Head Bank’s credit committee No. 33/10 dated 15 October 2026.

 No. 

 Indicator

Terms

1

 Customer (Borrower)

Citizens of the Republic of Uzbekistan with informal income

2

 Loan purpose

Purchase of residential property that has been commissioned (has a cadastral number), on the primary and secondary markets

3

 Income

1. Borrowers with confirmable sources of income:

Dividend recipients, persons with officially documented rental income, labor migrants with an official remittance history**, and self-employed persons with a one-year income history – income is counted at 100%. Income of individual entrepreneurs – 20%.

2. Borrowers with unconfirmable sources of income:

a) the history of the customer’s bank accounts***

in addition

b) the customer’s unconfirmed income that became known to the bank employee in an oral conversation with the customer and that the bank employee disclosed in his/her conclusion (in the questionnaire), compared against the market situation.

3. Mortgage loans that were not structured in line with the underwriting requirements of items 1 and 2 are refinanced once they have a 12-month history and comply with the “Mortgage loan requirements.”

** For a labor migrant, the loan may be granted on the basis of his/her income in his/her own name, or in the name of a spouse or a father/mother/child living at the same address.

*** In order to reliably assess customers’ repayment capacity, persons with informal income are required to have their bank account history reviewed. During this review, the customer must demonstrate in practice his/her financial discipline and repayment capacity by building up, each month, funds in the bank account in an amount no less than the expected monthly mortgage loan payment.

4

 Source of lending

From the funds of JSC “Uzbekistan Mortgage Refinancing Company”

5

 Amount

For the Republic of Karakalpakstan and the regions – up to UZS 550.0 million

For the city of Tashkent and the New Tashkent area – up to UZS 1 billion.

6

 Term

up to 120 months

up to 180 months

7

 Down payment

35 percent

35 percent

8

 Annual interest rate

20.9 percent

21.9 percent

9

 Ratio of the loan amount to the housing (collateral) value

LTV≤65%.

(When housing is purchased on the secondary market, the housing value is taken as the lower of the value assessed by an independent appraisal organization and the amount of the sale and purchase agreement)

10

 Payment method

Annuity or differentiated method (no grace period)

11

 Number of co-borrowers

up to 4 persons

12

 Form of loan disbursement

- When housing is purchased on the secondary market, funds are transferred to the seller’s bank card.

- When housing is purchased on the primary market, funds are transferred to the bank account of the construction (contracting) organization.

13

 Collateral

Housing (an apartment) purchased with the loan

14

 Housing insurance

Must be insured for no less than the collateral amount

15

 Age limits for borrowers/co-borrowers

- citizens of the Republic of Uzbekistan who are at least 18 (eighteen) years old on the date of application and no older than 60 (sixty) years.

16

 Documents to be provided by the borrower

1. Citizen’s passport or ID card;

2. Bank certificate on the formation of down payment funds (where, when purchasing an apartment on the primary market, the borrower has transferred the down payment funds directly to the account of the contracting organization, a document confirming the transfer of funds);

3. A copy of the certificate of state registration of the right to the housing being purchased, or a copy of an extract from the State Register on state registration of the ownership right to the housing, or another document confirming the right to the housing;

4. A preliminary sale and purchase agreement concluded between the seller and the buyer;

5. A housing valuation report;

6. For self-employed persons – a certificate of registration as a self-employed person and a document confirming payment of social tax.

17

 Debt burden ratio

Must not exceed 50%

18

 Environmental and Social Management System (ESMS)

Mortgage loans may also be granted for housing with asbestos (chrysotile) cement roofing (slate), subject to compliance with the requirements of the Environmental and Social Management System. Every mortgage loan must be reviewed for ESMS.

19

 Credit committee decision

Minutes of the meeting of the Head Bank’s credit committee No. 33/10 dated 15 October 2026.

 No. 

 Indicator

Terms

1

 Customer (Borrower)

Citizens of the Republic of Uzbekistan with informal income

2

 Additional debtor

up to 4 persons – persons with official income

3

 Loan purpose

Purchase of residential property that has been commissioned (has a cadastral number), on the primary and secondary markets

4

 Income

1. Borrowers with confirmable sources of income:

Dividend recipients, persons with officially documented rental income, labor migrants with an official remittance history**, and self-employed persons with a one-year income history – income is counted at 100%. Income of individual entrepreneurs – 20%.

2. Borrowers with unconfirmable sources of income:

a) the history of the customer’s bank accounts***

in addition

b) the customer’s unconfirmed income that became known to the bank employee in an oral conversation with the customer and that the bank employee disclosed in his/her conclusion (in the questionnaire), compared against the market situation.

3. Mortgage loans that were not structured in line with the underwriting requirements of items 1 and 2 are refinanced once they have a 12-month history and comply with the “Mortgage loan requirements.”

** For a labor migrant, the loan may be granted on the basis of his/her income in his/her own name, or in the name of a spouse or a father/mother/child living at the same address.

*** In order to reliably assess customers’ repayment capacity, persons with informal income are required to have their bank account history reviewed. During this review, the customer must demonstrate in practice his/her financial discipline and repayment capacity by building up, each month, funds in the bank account in an amount no less than the expected monthly mortgage loan payment.

5

 Source of lending

From the funds of JSC “Uzbekistan Mortgage Refinancing Company”

6

 Amount

For the Republic of Karakalpakstan and the regions – up to UZS 550.0 million

For the city of Tashkent and the New Tashkent area – up to UZS 1 billion.

7

 Term

up to 120 months

up to 180 months

8

 Down payment

35 percent

35 percent

9

 Annual interest rate

19.9 percent

20.9 percent

10

 Ratio of the loan amount to the housing (collateral) value

LTV≤65%.

(When housing is purchased on the secondary market, the housing value is taken as the lower of the value assessed by an independent appraisal organization and the amount of the sale and purchase agreement.)

11

 Payment method

Annuity or differentiated method (no grace period)

12

 Number of co-borrowers

up to 4 persons

13

 Form of loan disbursement

- When housing is purchased on the secondary market, funds are transferred to the seller’s bank card.

- When housing is purchased on the primary market, funds are transferred to the bank account of the construction (contracting) organization.

14

 Collateral

Housing (an apartment) purchased with the loan

15

 Housing insurance

Must be insured for no less than the collateral amount

16

 Age limits for borrowers/co-borrowers

- citizens of the Republic of Uzbekistan who are at least 18 (eighteen) years old on the date of application and no older than 60 (sixty) years.

17

 Documents to be provided by the borrower

1. Citizen’s passport or ID card;

2. Bank certificate on the formation of down payment funds (where, when purchasing an apartment on the primary market, the borrower has transferred the down payment funds directly to the account of the contracting organization, a document confirming the transfer of funds);

3. A copy of the certificate of state registration of the right to the housing being purchased, or a copy of an extract from the State Register on state registration of the ownership right to the housing, or another document confirming the right to the housing;

4. A preliminary sale and purchase agreement concluded between the seller and the buyer;

5. A housing valuation report;

6. For self-employed persons – a certificate of registration as a self-employed person and a document confirming payment of social tax.

18

 Debt burden ratio of the borrower and co-borrowers

Must not exceed 50%

19

 Environmental and Social Management System (ESMS)

Mortgage loans may also be granted for housing with asbestos (chrysotile) cement roofing (slate), subject to compliance with the requirements of the Environmental and Social Management System. Every mortgage loan must be reviewed for ESMS.

20

 Credit committee decision

Minutes of the meeting of the Head Bank’s credit committee No. 33/10 dated 15 October 2026.

 No.

 Names of Banking Service Offices (BSO) 

 Telephone numbers 

1

 Operations Department

 (+99871) 207-62-84

2

 Tashkent BSO

 (+99871) 230-40-92

3

 Darkhan BSO

 (+99871) 237-06-45

4

 Yakkasaray BSO

 (+99871) 255-18-70

5

 Andijan BSO

 (+99895) 202-03-10

6

 Namangan BSO

 (+99869) 223-19-65

7

 Samarkand BSO

 (+99866) 237-74-02

8

 Termez BSO

 (+99876) 227-35-00

9

 Karshi BSO

 (+99875) 227-25-25

10

 Fergana BSO

 (+99873) 244-40-28

11

 Jizzakh BSO

 (+99872) 226-20-16

12

 Bukhara BSO

 (+99865) 505-06-06

13

 Bektemir BSO

 (+99855) 901-10-10

14

 Digital BSO

 (+99855) 506-07-60