Open Bank loans: rates and terms

Rates as of 23.10.2026More details

Open Bank: 2 loans, types: mortgage, other.

Rates and conditions are taken from the banks’ websites and may change; some loans have limited-time promotions. This is reference information, not a bank offer: the final rate, amount and term depend on the bank’s decision and the borrower’s profile, so check the terms with the bank before applying. The rate in the table is for the main case: the base term (36 months; 120 for mortgages, 12 for microloans and installment plans), the minimum amount, no salary-client discounts; rates for other terms, amounts and client categories are on the bank’s page.

A loan may not actually be available to apply for, and the data on the bank’s website may be out of date. Check availability and terms in the bank’s app, at a bank office or through its call center.

Mortgages

Yangi uy online

Purpose	home purchase (residential real estate, secondary market)
Available to	citizens of the Republic of Uzbekistan aged 18 or older (no older than 60 on the date of full repayment): with confirmed income/card turnover for the last 6 months or self-employed
Rate (main case)	24.99%/year24,99% per annum for 120 monthsFor customers with confirmed income, down payment from 20%. The bank calls the rate “bank margin” / “bank income” (24,99% of the outstanding principal; formula from the FAQ: principal × annual rate / 12); no margin is charged on the down payment amount. Recorded as an annual rate.
Lowest rate	24.99%/year24,99% for clients with proof of income
Highest rate	25.99%/year25,99% for the self-employedSelf-employed citizens, down payment from 30%
Minimum amount	100 000 000 UZSfrom 100 mln UZSMinimum installment amount according to the product passport
Maximum amount	1 000 000 000 UZSup to 1 bn UZS
Loan term	up to 120 mo.
Down payment	20%from 20% of the price (self-employed from 30%)Share of the property value; no margin is charged on the down payment amount
Late payment penalty	noneno penalties or fines for late paymentBank FAQ: “No, the system works without penalties and fines”
Insurance	insurance is mandatory, the cost is set by the insurance companyThe insurance policy is paid by the client; the cost depends on the value of the property and the term of the insurance contract
Collateral	yes
Accepted as collateral	real estate
Proof of income	yes
Insurance required	yes
Early repayment allowed	yes
Borrower age	18–60 years
Decision time	preliminary decision in a few minutes

Rates by term, amount and client category

Term	Amount	Down payment from	Clients	Rate
120 mo.	from 100 000 000 UZS	20%	all clients	24.99%/yearClients with a regular income or bank card turnover over the last 6 months; up to 5 co-borrowers. The bank calls the rate «bank margin» / «bank income» (24,99% of the outstanding principal; formula from the FAQ: principal × annual rate / 12); no margin is charged on the down payment amount. Recorded as an annual rate.
120 mo.	from 100 000 000 UZS	30%	special category	25.99%/yearSelf-employed citizens; down payment from 30%; solvency is assessed based on the client's declaration, no co-borrower required. Bank margin.

Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗

Other loans

Yangi imkoniyat online

Purpose	purchase of non-residential real estate (offices, retail and production premises, warehouses and other commercial properties)
Available to	citizens of the Republic of Uzbekistan aged 18 or older (no older than 60 on the date of full repayment): with confirmed income/card turnover for the last 6 months or self-employed
Rate (main case)	24.99%/year24,99% per annum for 120 monthsFor customers with confirmed income, down payment from 20%. The bank calls the rate “bank margin” / “bank income” (24,99% of the outstanding principal; formula from the FAQ: principal × annual rate / 12); no margin is charged on the down payment amount. Recorded as an annual rate.
Lowest rate	24.99%/year24,99% for clients with proof of income
Highest rate	25.99%/year25,99% for the self-employedSelf-employed citizens, down payment from 35%
Minimum amount	100 000 000 UZSfrom 100 mln UZSMinimum installment amount according to the product passport
Maximum amount	2 500 000 000 UZSup to 2,5 bn UZS
Loan term	up to 120 mo.
Down payment	20%from 20% of the price (self-employed from 35%)Share of the property value; no margin is charged on the down payment amount
Late payment penalty	noneno penalties or fines for late paymentBank FAQ: “No, the system works without penalties and fines”
Insurance	insurance is mandatory, the cost is set by the insurance companyThe insurance policy is paid by the client; the cost depends on the value of the property and the term of the insurance contract
Collateral	yes
Accepted as collateral	real estate
Proof of income	yes
Insurance required	yes
Early repayment allowed	yes
Borrower age	18–60 years
Decision time	preliminary decision in a few minutes

Rates by term, amount and client category

Term	Amount	Down payment from	Clients	Rate
120 mo.	from 100 000 000 UZS	20%	all clients	24.99%/yearClients with a regular income or bank card turnover over the last 6 months; up to 5 co-borrowers. The bank calls the rate «bank margin» / «bank income» (24,99% of the outstanding principal; formula from the FAQ: principal × annual rate / 12); no margin is charged on the down payment amount. Recorded as an annual rate.
120 mo.	from 100 000 000 UZS	35%	special category	25.99%/yearSelf-employed citizens; down payment from 35%; solvency is assessed based on the client's declaration, no co-borrower required. Bank margin.

Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗