Fast Mortgage
Purchase of primary market housing with a 15% down payment and a state guarantee
Product Type | Primary market mortgage loan for purchasing a new apartment |
Loan Term | Up to 20 years |
Interest Rate | From 16.99% |
Down Payment | 15% |
Loan Amount |
|
Grace Period | 6 months |
Payment Type | Annuity or Differential |
Currency | UZS (Uzbekistan Som) |
Collateral | The apartment being purchased with the loan |
Insurance | Not required |
Guarantor | Third-party guarantor not required |
Citizenship | Citizens of the Republic of Uzbekistan only |
Age Limit | Minimum 18 years old and must not exceed 60 years old at the end of the loan term |
Source of Income | Must have official employment and continuous income for the last 12 months |
Solvency / Repayment Capacity | Monthly income must be sufficient to fully cover loan repayments |
Down Payment | Must be able to provide at least 15% of the apartment value |
Credit History | No overdue payments exceeding 90 days in the last 12 months |
Co-borrowers | Allowed; co-borrowers must also have official income |
Existing Mortgage | Must not have previously received a mortgage under government programs |
Debt Burden Ratio | Existing debt obligations must not impair the ability to repay the loan |
Passport or ID Card | Identification document of the borrower and co-borrowers |
Income Statement / Proof of Income | Official employment or tax authority record for the last 12 months |
Property / Apartment Documents | Contract executed with the developer / builder |
Proof of Down Payment | Bank payment receipt confirming the down payment transfer |
Credit History Check Consent Form | Filled out using the special form provided by the bank |
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