Consumer Loan Items subject to loan

Car Loan
The loan is provided for the purchase of any models of passenger vehicles produced in the Republic of Uzbekistan.

Terms of loan

For members of payroll card program:

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  Loan Period: up to 60 months;
  
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  Interest rate when paying the initial payment in the amount of 25% - 24% per annum; 35% - 23% per annum; 40% - 22% per annum.
  
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  Grace Period - 6 months;
  

For other individuals:

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  Loan Period: up to 60 months;
  
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  Interest rate when paying the initial payment in the amount of 25% - 26% per annum; 35% - 25% per annum; 40% - 24% per annum.
  
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  Grace Period: up to 6 months.
  

Type of loan security

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  A vehicle purchased with the loan;
  
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  Until the vehicle purchased with the loan is accepted as a pledge, the financially stable legal entity or an insurance policy for the loan default risk shall represent the guarantee.
  

Required documents

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  Passport or other identity document of the borrower;
  
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  Income Certificate from the place of work drawn up in accordance with the established procedure;
  
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  Agreement for the purchase of a vehicle with an official dealer of the manufacturer;
  
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  Documents related to securing loan repayment.
  

Mortgage Loan

Terms of loan

1. Conditions for mortgage loan allocated according to Decree of the President of the Republic of Uzbekistan No. UP-6186 dated March 11, 2021 on Additional Measures to Provide the Population with Housing Through Mortgage Loans Based on Market Principles 

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  Loan Purpose - purchase of housing, construction of housing, reconstruction
  
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  Loan Source - funds of the Ministry of Finance
  
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  Borrower requirements - citizens of the Republic of Uzbekistan over 18 and under 60 years old.
  
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  Loan Period - 20 years.
  
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  Grace Period - 6 months.
  
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  Loan interest - 18%.
  
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  Down payment - at least 15% of the cost of the apartment.
  
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  Type of payment - annuity or differentiated payment
  
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  Maximum loan amount;
  In the regions: 327.2 mln. UZS
  In Tashkent city: 416.5 million UZS
  

For persons who have received a notification of the grant

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  To cover part of the down payment, grants amounted to 32.0 mln. UZS are allocated, regardless of the cost of housing
  
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  Grants are allocated from the state budget to cover part of the interest rate, which has exceeded 10 percentage points over the past five years.
  

The down payment and grant allocated to cover the part of the interest payments are paid in cases when the area and price of the purchased apartment do not exceed the maximum standard and the calculated cost of housing.
If you have any questions in relation to the construction and reconstruction of private property, please contact any branch of our bank in any region, except for Tashkent city.
2. Mortgage loan provided at the expense of own funds of NBU JSC:
Mortgage loan for construction, reconstruction and purchase of housing.

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  Loan period: 120 months (the grace period is up to 24 months);
  
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  Interest rate:
  25% of the housing cost as a down payment - 24% per annum;
  30% of the housing cost as a down payment - 23% per annum;
  40% of the housing cost as a down payment - 21% per annum.