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Mortgage Loan for Home Purchase and Renovation
- Up to 20 yearsLoan Terms
- Good Interest Rates
- Up to 400 000 000 sumsLoan Amount
Loan Term
- Loan Amount · For the purchase of apartments and houses– up to 400 million sums
· For the refurbishment and renovation of apartments and houses – up to 80 million sums.
- Loan Term
For the purchase of apartments and houses
Annual Percentage Rate
Downpayment
Term
17.5 %
26 %
Up to 20 years
For the refurbishment and renovation works
16.5 %
Не предусмотрен
До 10 лет
- Loan Provision Non-cash money transfer
- Places of Application Submission Bank Offices
- Repayment Frequency Monthly repayment of principal and interest amounts
• Remotely, through the Hamkor Mobile application or other payment applications
• Through self-service terminals
• In bank offices, by card or in cash.
Please note that the interest amount of the loan is calculated based on the nominal interest rate, and the full cost of the loan indicates how much the loan will cost if interest amounts and other types of payments are paid on time and in the prescribed amount.
The procedure for calculating the full cost of the loan can be found at: https://hamkorbank.uz/credit-calc.
The nominal interest rate of this loan can be changed by the bank, and the rate change will be agreed with the borrower.
- Environmental Expertise and Monitoring Sector, the loan is allocated in accordance with the regulation "On the system of environmental and social management when issuing mortgage loans", according to the agreement signed between Hamkorbank and UzMRC.
- The monthly total family income of the borrower should not exceed the requirements of the Company (currently 15 million soums)
- The share of loans allocated for refurbishment and renovation should not exceed 25% of the reference value of loan portfolio.
- The share of loans allocated under this line to female clients should not be less than 30%.
- It is not allowed to allocate loans for reconstruction, the loan funds can only be used for housing refurbishment.
- Citizens of the Republic of Uzbekistan aged 18 to 60 years at the time of applying for a loan.
- Citizens whose debt load together with co-borrowers on all issued loans and microloans does not exceed 50% of the average monthly income.
- Absence of overdue debts on previously issued loans.
- The Loan Application
- Originals of Identity Documents (Borrower and Co-borrower)
- Housing Purchase and Sale Agreement Between the contractor and the Borrower
- Income Statements of the Borrower and Co-borrower for the Last 12 Months
Additional expenses:
- Notary services cost
- Cadastral and insurance costs.
How to Apply for the Loan
To Apply for the Loan, Please Visit your Nearest Bank Branch.
For More Information Please Call
Free transfers
up to 5 000 000 sums
in HAMKOR app
Free delivery
of HUMO card
Fiscal check for each
money transfer and payment
Free emission of
VISA Classic Card
in HAMKOR app