Mortgage Loan Funded from the Bank's Own Resources

No.

Parameter

Conditions

1

Client

Individual (resident of the Republic of Uzbekistan)

2

Credit Purpose

Purchase of residential property on the primary and secondary markets

3

Term

Up to 120 months

4

Down Payment

For individuals with a permanent source of income

For self-employed individuals

20%

25%

5

Credit Amount

For the purchase of housing (apartment) in a multi-apartment building:

up to 2,500 times the base calculation amount;

For the purchase of an individual residential house:

up to 3,000 times the base calculation amount.

Up to UZS 500,000,000

6

Annual Interest Rate

25%

26%

7

Repayment Method

Annuity or differentiated method

8

Borrower's Age

At the time of receiving the credit: must be at least 18 years old.

At the time of final repayment:

— Men — no older than 65 years;

— Women — no older than 60 years.

9

Monthly Income

Salary (income for at least the last 6 months at the most recent place of employment)

10

Number of Co-borrowers

Up to 3 (three)

11

Collateral

Residential property (apartment) being purchased with the credit

12

Eligibility Criteria for Borrowers/Co-Borrowers (Individuals):

— must have permanent employment and/or permanent income from a personal subsidiary or peasant farm, or from individual entrepreneurial activities, as well as other documented and legally permissible sources of income sufficient to make monthly payments of accrued interest and principal on the mortgage loan in accordance with the payment schedule;

— the debt service ratio must not exceed 50%. (For self-employed individuals, the debt service ratio is not taken into account.);

— no overdue debt with banks or other credit organisations at the time of consideration of the mortgage loan application;

(For self-employed individuals: the outstanding credit balance at banks and other credit organisations at the time of receiving the mortgage loan must not exceed 20% of the value of the residential property (apartment) being purchased.)

No.

Banking Service Office

Phone Number

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

"Qarshi" 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