Mortgage Loan

Up to 10 yearsLoan Terms
28%Good Interest Rates
Up to 600 000 000 sumLoan Amount

Last updated: 24.04.2024

Mortgage Loan

Mortgage loan for the purchase of a new apartment in the primary housing market, construction and reconstruction purposes

Mortgage Loan Terms

Amount and Term of the Loan

Amount
Term
For the Purchase of a House or Apartment
Up to 600 mln sums
Up to 120 months
For Repair
Up to 200 mln sums
Up to 60 months
Annual Percentage Rate 28%
Mortgage Loan Terms Up to 10 years
Amount of down payment 26%
Form of Provision Non-cash transfer
How to Apply for the Mortgage Loan? At the Hamkor bank offices and branches
Repayment Frequency Monthly repayment of principal and interest fees

Frequently Asked Questions

Do I need an official employment?

To apply for a loan, official employment is required. Borrowers can be employees of public and private organizations.

How to Apply for a Mortgage Loan?

Mortgage loan application should be submitted at Hamkor bank office or branch

What Documents are Required to Apply for Mortgage Loan?

Identity documents of the borrower and his family members are required for registration.

What is the Collateral for a Mortgage Loan?

The purchased real estate is subject of a collateral

How to Repay a Mortgage Loan?

The mortgage loan can be repaid in several ways:

• Remotely, through the Hamkor Mobile application or other payment applications.
• Via self-service terminals.
• In the bank offices: by making a payment by card or cash.

Will a personal loan application be processed if I have current loans from other financial institutions?

It is possible if there is no overdue debt on existing loans and the debt load will not exceed 50% of the average monthly income.

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.

Requirements for Borrowers

Required Documents

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 70% of the average monthly income
Absence of overdue debts on previously issued loans.

Mortgage Loan Application
Originals of identity documents (borrower and co-borrower)
Information on the provision of subsidies (for citizens who have received it)
The contract for the purchase and sale of housing between the contractor and the borrower
Certificates of income of the borrower and co-borrower for the last 12 months

Additional expenses when applying for a loan:

Expenses for notary services
Inventory and insurance costs

Loan Calculator

* Please note that the calculator does not guarantee absolute accuracy of calculations.

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Валюта кредита

ADDITIONAL EXPENSES

Insurance costs:

Notary

Collateral Assessment Costs:

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Commission Fees: Для иностранных кредитных линии

* The full cost of a loan is understood as the interest rate in a reliable, annual and effective calculation, which takes into account the borrower's payments related to obtaining a loan. The calculation of the full cost of the loan includes the borrower's payments, including payments in favor of third parties, if the borrower's obligation for such payments follows from the terms of the agreement and (or) if the issuance of the loan is dependent on making such payments.