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Mortgages: bank terms compared

Rates as of 23.10.2026More details

Mortgages are offered by 26 banks: 152 loans. The rate in the table is for the main case (base term, minimum amount, no discounts); compare loans within one currency. Click a column header to sort the table.

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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.

Bank Loan Rate Rate from Amount up to Term Down payment Collateral How to apply
Apex Bank APEX - MAKANI 0%/year0% per annum 0%/year0% per annum based on solvency, but no more than 70% of the contract value of the apartment 12–60 mo. 30%from 30% of the contract price of the real estate yes in branch
Apex Bank Apex Refresh 0%/year0% per annum 0%/year0% per annum 500 000 000 UZSup to 500 000 000 UZS up to 36 mo. no down paymentfrom 0% to 20% yes in branch
Apex Bank HORIZON mortgage 0%/year0% per annum 0%/year0% per annum — 12–60 mo. 30%from 30% of the contract price of the real estate yes in branch
Orient Finans Bank Interest-free mortgage for a new-build property online 0%/year0% per annum for 60 months 0%/year0% per annum 500 000 000 UZSup to 500 mln UZS 12–60 mo. 30%from 30% of the cost yes online
Uzpromstroybank (SQB) Balansdagi turar-joy mortgage 14%/year14% per annum (fixed) 14%/year14% per annum 1 500 000 000 UZSup to 1,5 bn UZS up to 180 mo. 20%at least 20% of the property value yes in branch
Aloqabank Qo‘qon 16%/year16% per annum for 120 months 16%/yearfrom 16% 1 180 000 000 UZSup to 1 180 mln UZS up to 240 mo. 15%at least 15% of the shared participation agreement value (20% for a loan above 380 mln UZS) yes in branch
Uzpromstroybank (SQB) Chimgan Residence mortgage 16%/year16% per annum with a 20% down payment 14%/yearfrom 14% with a 50% down payment 1 500 000 000 UZSup to 1,5 bn UZS up to 120 mo. 20%at least 20% of the property value yes in branch
Ipak Yuli Bank Mortgage for new-build housing 16.5%/year16,5% per annum 16.5%/yearfrom 16,5% 480 000 000 UZSup to 480 000 000 UZS up to 240 mo. — yes in branch
National Bank of Uzbekistan (NBU) Combined mortgage online 16.5%/year16,5% per annum on the part of the loan up to the limit, 21% above the limit 16.5%/yearfrom 16,5% per annum no limit on the amount; no more than 80% of the property value (75% without official income) up to 240 mo. 20%at least 20% (25% without official income) yes online
Orient Finans Bank Advantageous mortgage online 16.7%/year16,7% per annum for 120 months on the budget-funded portion 16.7%/yearfrom 16,7% on the budget portion 1 060 000 000 UZSup to 1,06 bn UZS in Tashkent (480 mln budget + up to 580 mln bank); in the regions up to 960 mln UZS 60–240 mo. 25%at least 25% of the contract value of the housing yes online
Orient Finans Bank Teacher mortgage online 16.7%/year16,7% per annum for 120 months 16.7%/year16,7% per annum 480 000 000 UZSup to 480 mln UZS in Tashkent; in other cities and rural areas - up to 380 mln UZS 60–240 mo. 15%from 15% of the housing cost yes online
Orient Finans Bank Family mortgage online 16.7%/year16,7% per annum for 120 months 16.7%/year16,7% per annum 480 000 000 UZSup to 480 mln UZS in Tashkent; in other cities and rural areas - 380 mln UZS 60–240 mo. 15%from 15% of the housing cost yes online
Aloqabank Yangi Toshkent 16.9%/year16,9% per annum for 120 months 16.9%/yearfrom 16,9% 1 280 000 000 UZSup to 1 280 mln UZS up to 240 mo. 15%at least 15% of the shared participation agreement value (20% for a loan above 480 mln UZS) yes in branch
Business Development Bank Fast mortgage online 16.99%/year16,99% per annum, term up to 20 years 16.99%/year16,99% 480 000 000 UZSTashkent - up to 480 mln UZS up to 240 mo. 15%from 15% yes online
Business Development Bank Online mortgage online 16.99%/year16,99% per annum, term up to 20 years 16.99%/yearfrom 16,99% 480 000 000 UZSTashkent - up to 480 mln UZS up to 240 mo. 15%from 15% yes online
InFinBank Yangi Xonadon 16.99%/yearrefinancing rate + 2,99% (16,99% at a rate of 14%) 16.99%/yearrefinancing rate + 2,99% 480 000 000 UZSup to 480 mln UZS in Tashkent up to 240 mo. 15%at least 15% of the housing cost yes in branch
Ipoteka Bank Oson online 16.99%/year16,99% per annum, fixed rate 16.99%/year16,99% per annum 480 000 000 UZSup to 480 mln UZS in Tashkent, up to 380 mln UZS in the regions and Karakalpakstan up to 240 mo. 15%from 15% for official income yes online
Asia Alliance Bank New Home 17%/year17% per annum for persons with official income 17%/yearfrom 17% per annum 480 000 000 UZSTashkent - up to 480 mln UZS, regions of Uzbekistan - up to 380 mln UZS up to 240 mo. 15%From 15% of the property value yes in branch
Agrobank Xonadon plyus 17%/year17% per annum for a term of up to 20 years 17%/year17% per annum 480 000 000 UZSup to 480 mln UZS in Tashkent, up to 380 mln UZS in the regions and Karakalpakstan 12–240 mo. 15%from 15% of the housing cost yes in branch
Aloqabank Mortgage loan funded by the Ministry of Economy and Finance 17%/year17% per annum for 120 months 17%/year17% per annum 480 000 000 UZSup to 480 mln UZS (Tashkent); up to 380 mln UZS in Karakalpakstan and the regions up to 240 mo. 15%at least 15% of the housing cost (20% for persons without official income) yes in branch
Asakabank Ipoteka Muallim 17%/year17% per annum for 120 months 17%/year17% per annum 480 000 000 UZSup to 480 mln UZS in Tashkent; up to 380 mln UZS in Karakalpakstan and the regions; no more than 85% of the housing cost up to 240 mo. 15%from 15% yes in branch
Asakabank Qulay Makon 17%/year17% per annum 16%/year16% for payroll project participants 480 000 000 UZSup to 480 mln UZS in Tashkent; up to 380 mln UZS in Karakalpakstan and the regions; no more than 85% of the housing cost up to 240 mo. 15%from 15%; from 20% for informal income and self-employed yes in branch
Business Development Bank Mortgage for bank-owned houses 17%/year17% per annum for 10 years (SGM «Chimgan» apart-hotels, down payment 20%) 14%/yearfrom 14% (Chimgan: 16% minus 2 p.p. with a down payment over 50%) 2 200 000 000 UZSChimgan - up to 2,2 bn UZS up to 240 mo. 15%from 15% (Namangan, Kokand); Chimgan - from 20% yes in branch
Business Development Bank Mortgage for primary housing 17%/year17% per annum, term up to 20 years 17%/yearfrom 17% 480 000 000 UZSTashkent - up to 480 mln UZS up to 240 mo. 15%from 15% (self-employed - 20%) yes in branch
Microcreditbank Mortgage loan from the primary market - funded by the Ministry of Economy and Finance 17%/year17% per annum for 20 years with a 15% down payment 17%/year17% per annum 480 000 000 UZSup to 480 mln UZS (Tashkent), up to 380 mln UZS (Karakalpakstan and regions) 12–240 mo. 15%from 15% of the cost yes in branch
National Bank of Uzbekistan (NBU) Preferential mortgage online 17%/year17% per annum with a 15% down payment (with official income) 16.5%/yearfrom 16,5% per annum 480 000 000 UZSup to 480 mln UZS in Tashkent, up to 380 mln in the regions up to 240 mo. 15%from 15% (with official income), 25% without official income yes online
Uzpromstroybank (SQB) Yangi Toshkent mortgage 17%/year17% per annum (Central Bank key rate + 3%) for a term of up to 20 years 16.5%/yearfrom 16,5% for payroll project participants (key rate + 2,5%) 800 000 000 UZSup to 800 mln UZS up to 240 mo. 20%at least 20% of the property value yes in branch
Trustbank Mortgage for the purchase of housing on the primary market 17%/yearCB + 3% (about 17%) per annum for a term of up to 240 months 17%/yearfrom 17% per annum (CB + 3%) 480 000 000 UZSup to 480 mln UZS for Tashkent, up to 380 mln UZS for Karakalpakstan and the regions up to 240 mo. 15%from 15% (regular income), 20% (self-employed) yes in branch
Trustbank Mortgage for purchasing housing from the company O‘zshahar qurilish invest 17%/yearCentral Bank + 3% (about 17%) per annum for a term of up to 240 mo., part funded by the Ministry of Economy and Finance 17%/yearfrom 17% per annum (CB + 3%) 1 000 000 000 UZSup to 1,0 bn UZS in total per borrower up to 240 mo. 15%from 15% of the cost (permanent income), from 20% (self-employed) yes in branch
Trustbank Sharq Bahori-1 mortgage 17%/year17% per annum for a term of up to 240 months (part of the loan at the expense of the Ministry of Economy and Finance) 17%/yearfrom 17% per annum 700 000 000 UZSup to 700 mln UZS up to 240 mo. 15%from 15% (Ministry of Economy and Finance share), 20% (bank share) yes in branch
Trustbank Sharq Bahori-2 mortgage 17%/year17% per annum for a term of up to 240 months (part of the loan at the expense of the Ministry of Economy and Finance) 17%/yearfrom 17% per annum 900 000 000 UZSup to 900 mln UZS up to 240 mo. 15%from 15% (Ministry of Economy and Finance share), 20% (bank share) yes in branch
Turonbank Kelajak Uyi online 17%/year17% per annum for 240 months 17%/year17% per annum 480 000 000 UZSup to 480 mln UZS in Tashkent, up to 380 mln UZS in Karakalpakstan and regions 12–240 mo. 15%from 15% (self-employed from 20%) yes online
Xalq Bank Prosperous Life 17%/year17% per annum with a 15% down payment, term up to 240 months 17%/year17% per annum 480 000 000 UZSup to 480 000 000 UZS in Tashkent; up to 380 000 000 UZS in Karakalpakstan and the regions up to 240 mo. 15%from 15% of the value (20% for persons without official income) yes in branch
Hamkorbank For buying an apartment on the primary market 17.5%/year17,5% per annum with a down payment of 15% to 25% 17%/yearfrom 17% 1 000 000 000 UZSup to 1 bn UZS up to 240 mo. 15%from 15% yes in branch
Ipak Yuli Bank Murad Buildings mortgage 17.5%/year17,5% per annum 17.5%/yearfrom 17,5% 2 000 000 000 UZSup to 2 000 000 000 UZS up to 240 mo. 20%from 20% for clients with official income, from 25% for unofficial income and self-employed yes in branch
Aloqabank Ulushdor Ipoteka 18%/year18% per annum for 120 months 18%/yearfrom 18% 1 280 000 000 UZSup to 1 280 mln UZS in Tashkent; up to 1 180 mln UZS in other regions up to 240 mo. 15%at least 15% of the shared participation agreement value (20% if the refinancing limit is exceeded) yes in branch
Aloqabank Chimgan 18%/year18% per annum for 120 months (partly from the bank's own funds) 18%/year18% per annum for the portion funded by the bank's own funds 1 180 000 000 UZSup to 1 180 mln UZS up to 240 mo. 15%at least 15% (20% if the loan exceeds 380 mln UZS or is fully from the bank's own funds) yes in branch
Asakabank Orzudagi uy mortgage 18%/year18% per annum for 120 months 18%/year18% per annum 2 000 000 000 UZSup to 2 bn UZS up to 120 mo. 30%30% of the apartment price — in branch
InFinBank Mortgage with New City 18%/year18% per annum for a term of up to 240 months 18%/year18% per annum 1 000 000 000 UZSup to 1 000 000 000 UZS up to 240 mo. 25%at least 25% of the apartment price yes in branch
Microcreditbank Imkoniyat Ipoteka 18%/year18% per annum for a term of up to 20 years 18%/year18% per annum 120 000 000 UZS120 mln UZS 12–240 mo. 15%at least 15% of the cost of construction (renovation, reconstruction) yes in branch
Octobank Mortgage for payroll project clients and bank employees promoonline 18%/year18% per annum for a term of up to 120 months 18%/year18% per annum unlimited up to 120 mo. 20%down payment from 20% yes online
Uzpromstroybank (SQB) Hamkor mortgage 18%/year18% per annum (Central Bank key rate + 4%) for a term of up to 20 years 18%/yearfrom 18% per annum 1 000 000 000 UZSup to 1 bn UZS up to 240 mo. 20%at least 20% of the apartment cost yes in branch
Uzpromstroybank (SQB) Kumushkon Residence mortgage 18%/year18% per annum 18%/year18% per annum 5 000 000 000 UZSup to 5 bn UZS up to 180 mo. 25%at least 25% of the property value yes in branch
Uzpromstroybank (SQB) Yangi uyga mortgage - 2 18%/year18% per annum (Central Bank key rate + 4%) with a down payment from 15% 17%/yearfrom 17% (key rate + 3%) 480 000 000 UZSup to 480 mln UZS (Tashkent); up to 380 mln (regions) up to 240 mo. 15%from 15% of the housing cost yes in branch
Uzpromstroybank (SQB) Exclusive mortgage 18%/year18% per annum (Central Bank key rate + 4%) for a term of up to 20 years 18%/yearfrom 18% per annum 1 000 000 000 UZSup to 1 bn UZS up to 240 mo. 20%at least 20% of the apartment cost yes in branch
Uzpromstroybank (SQB) Mortgage Universal hamkor 18%/year18% per annum (Central Bank key rate + 4%) for a term of up to 20 years 18%/yearfrom 18% per annum 1 000 000 000 UZSup to 1 bn UZS up to 240 mo. 20%at least 20% of the property value yes in branch
Turonbank New Life online 18%/year18% per annum for 240 months (a portion funded by the Ministry of Economy and Finance) 18%/yearfrom 18% (Central Bank key rate + 4 p.p.) 1 380 000 000 UZSup to 1,38 bn UZS 12–240 mo. 15%from 15% yes online
Agrobank Yashil taʼmir 19%/year19% per annum for 10 years 19%/yearfrom 19% 350 000 000 UZSup to 350 mln UZS in Tashkent, up to 250 mln UZS in the regions 12–120 mo. no down paymentno down payment yes in branch
Hamkorbank Yashil ta’mir 19%/year19% per annum for a term of up to 10 years 19%/year19% 350 000 000 UZSup to 350 mln UZS up to 120 mo. no down paymentnot required yes in branch
Hamkorbank For purchase and renovation of a house 19%/year19% per annum for housing purchase, 20 years 19%/yearfrom 19% 800 000 000 UZSup to 800 mln UZS up to 240 mo. 26%at least 26% yes in branch
Ipak Yuli Bank Mortgage loan for NUR residential complex 19%/year19% per annum for a term of up to 10 years 18%/yearfrom 18% 3 480 000 000 UZSup to 3 480 000 000 UZS up to 120 mo. 15%from 15% of the apartment value yes in branch
Orient Finans Bank Green mortgage online 19%/year19% per annum at the borrower’s expense for 84 months 19%/year19% per annum at the borrower’s expense 350 000 000 UZSup to 350 mln UZS in Tashkent, 250 mln UZS in other regions up to 84 mo. no down paymentnot required yes online
Orient Finans Bank Mortgage for the primary market 2.0 19%/year19,0% per annum 19%/year19,0% per annum 800 000 000 UZSup to 800 mln UZS up to 240 mo. — — in branch
Uzpromstroybank (SQB) Yashil ta’mir mortgage 19%/year19% per annum (fixed) for a term of 10 years 19%/year19% per annum 170 000 000 UZSup to 170 mln UZS 120 mo. no down paymentdown payment 0 UZS yes in branch
Uzpromstroybank (SQB) Mortgage for primary housing 19%/year19% per annum (Central Bank key rate + 5%) 19%/year19% per annum 800 000 000 UZSup to 800 mln UZS (Tashkent); up to 500 mln (Karakalpakstan and regions) 120–240 mo. 25%25% of the apartment price yes in branch
Asia Alliance Bank Bashkent 20%/year20% per annum for the portion of the loan up to 480 mln UZS (Tashkent) 20%/yearfrom 20% per annum Up to 85% of the property value up to 240 mo. 15%From 15% of the property value yes in branch
Asia Alliance Bank Mubaarak 20%/year20% per annum for the part of the loan up to 480 mln UZS 20%/yearfrom 20% per annum Up to 85% of the property value up to 240 mo. 15%From 15% of the property value yes in branch
Asakabank Mortgage For You 20%/year20% per annum (loan A before the collateral is registered) 18%/year18% (loan A after collateral is registered) 2 000 000 000 UZSup to 2 bn UZS up to 240 mo. 15%from 15% yes in branch
Asakabank Family Mortgage 20%/year20% per annum for 120 months 20%/year20% per annum 800 000 000 UZSup to 800 mln UZS in Tashkent; up to 500 mln UZS in Karakalpakstan and regions up to 240 mo. 25%at least 25% of the apartment price yes in branch
InFinBank Mortgage with NRG 20%/year20% per annum during construction; then part of the loan at the CB rate + 2,99%, the remainder at 22% 16.99%/yearfrom 16,99% (Central Bank rate + 2,99% on the part of the loan after construction is completed) 1 500 000 000 UZSup to 1 500 000 000 UZS up to 240 mo. 20%at least 20% of the housing cost yes in branch
Ipoteka Bank Imkoniyat online 20%/year20% per annum during the construction stage 17%/yearfrom 17% per annum 1 700 000 000 UZSup to 1,7 bn UZS up to 240 mo. 15%/yearfrom 15% (in the header and terms), per FAQ from 20% yes online
Trustbank Mortgage for purchasing housing from Golden house property group 20%/year20% per annum for a term of up to 240 months (part from the Ministry of Economy and Finance) 20%/yearfrom 20% per annum up to 2 500 times the base calculated value; of which up to 380 mln UZS (regions) or up to 480 mln UZS (Tashkent) — Ministry of Economy and Finance, the rest — bank funds up to 240 mo. 15%From 15% (Ministry of Economy and Finance portion, permanent income), in other cases 20% yes in branch
Xalq Bank Imkon 20%/year20% per annum with a 15% down payment, term up to 240 months 20%/year20% per annum 480 000 000 UZSup to 480 000 000 UZS in Tashkent; up to 380 000 000 UZS in Karakalpakstan and the regions up to 240 mo. 15%15% of the cost yes in branch
Xalq Bank Yashil ipoteka 1 20%/year20% per annum for a term of up to 120 months 20%/year20% per annum 170 000 000 UZSup to 170 000 000 UZS up to 120 mo. no down paymentno down payment required yes in branch
InFinBank Mortgage loan funded by the commercial resources of the Mortgage Refinancing Company JSC of the Republic of Uzbekistan 20.99%/year20,99% per annum for 180 months with official income and a down payment from 25% 20.99%/yearfrom 20,99% for persons with official income 1 000 000 000 UZSup to 1 bn UZS in Tashkent up to 180 mo. 25%from 25% with official income, from 35% for self-employed yes in branch
Kapitalbank Comfortable Home residents only 21%/year21% per annum with a down payment of 20-25% 20%/yearfrom 20% per annum 1 000 000 000 UZSup to 1 bn UZS 12–120 mo. 20%down payment from 20% yes in branch
National Bank of Uzbekistan (NBU) Standard mortgage online 21%/year21% per annum with a 20% down payment (with official income) 21%/yearfrom 21% per annum no limit on the amount; no more than 80% of the property value (75% for persons without official income) up to 240 mo. 20%from 20% (with official income), 25% without official income yes online
National Bank of Uzbekistan (NBU) Standard mortgage on the secondary market online 21%/year21% per annum with a 20% down payment (with official income) 21%/yearfrom 21% per annum no limit on the amount; no more than 80% of the property value (75% for persons without official income) up to 240 mo. 20%from 20% (with official income), 25% without official income yes online
Orient Finans Bank Navro'z mortgage online 21%/year21% per annum for 120 months 21%/yearfrom 21% per annum 1 060 000 000 UZSup to 1,06 bn UZS 60–240 mo. 25%from 25% of the housing cost yes online
Uzpromstroybank (SQB) Mulk mortgage 21%/year21% per annum for a term of up to 10 years 21%/yearfrom 21% per annum 1 500 000 000 UZSup to 1,5 bn UZS (Tashkent); up to 800 mln (other regions) up to 240 mo. 20%at least 20% (primary market), at least 30% (secondary) yes in branch
Uzpromstroybank (SQB) Mulk-ulushdor mortgage 21%/year21% per annum for a term of up to 10 years 21%/yearfrom 21% per annum 1 500 000 000 UZSup to 1,5 bn UZS (Tashkent); up to 800 mln (Karakalpakstan and regions) up to 240 mo. 20%at least 20% of the apartment cost yes in branch
Business Development Bank Commercial mortgage 21.5%/year21,5% per annum after the first 12 months (19,9% for the first 12 months), term 10 years 19.5%/yearfrom 19,5% (payroll project, first 12 months) 1 000 000 000 UZSTashkent and New Tashkent - up to 1 bn UZS 120–180 mo. 25%from 25% for official income yes in branch
Ipoteka Bank Maqul online 21.5%/year21,5% per annum 21.5%/year21,5% per annum 1 000 000 000 UZSup to 1 bn UZS 120–240 mo. 26%/yearfrom 26% of the housing cost yes online
Trustbank Mortgage for purchasing housing on the primary and secondary markets 21.5%/year21,5% per annum for a term of up to 180 months with a 25% down payment 21%/yearfrom 21% per annum 1 000 000 000 UZSup to 1 bn UZS for Tashkent, up to 550 mln UZS for Karakalpakstan and the regions up to 180 mo. 25%from 25% of the home's cost (35% — with a reduced rate) yes in branch
Xalq Bank Oilaviy 21.5%/year21,5% per annum with a 25% down payment, term up to 240 months 21.5%/year21,5% per annum 1 000 000 000 UZSup to 1 000 000 000 UZS in Tashkent; up to 550 000 000 UZS in Karakalpakstan and the regions up to 240 mo. 25%25% of the cost yes in branch
Xalq Bank Makon modular mortgage 21.5%/year21,5% per annum with a 25% down payment, term up to 240 months 21.5%/year21,5% per annum 800 000 000 UZSup to 800 000 000 UZS in Tashkent; up to 500 000 000 UZS in Karakalpakstan and the regions up to 240 mo. 25%at least 25% of the cost yes in branch
Xalq Bank Mortgage loan refinancing 21.5%/year21,5% per annum for a term of up to 180 months 21.5%/year21,5% per annum in the amount of the mortgage balance, but not more than 1 bn UZS in Tashkent and 550 mln UZS in Karakalpakstan and the regions up to 180 mo. — yes in branch
Microcreditbank Happy Home 21.55%/year21,55% per annum for a term of up to 120 months 21.55%/yearfrom 21,55% per annum 800 000 000 UZSup to 800 mln UZS 12–180 mo. 26%from 26% (self-employed — from 35%, not required for renovation) yes in branch
Agrobank Yangi hayot 21.99%/year21,99% per annum for purchasing housing, term up to 20 years 21.99%/yearfrom 21,99% (home purchase) 1 000 000 000 UZSup to 1 bn UZS in Tashkent, up to 550 mln UZS in the regions (purchase); up to 170 mln UZS for renovation 12–240 mo. 25%at least 25% for buying housing; not required for renovation yes in branch
Asakabank Ipoteka Universal 2.0 21.99%/year21,99% per annum for 240 months 20.99%/year20,99% for payroll project participants 1 000 000 000 UZSup to 1 bn UZS in Tashkent; up to 550 mln UZS in Karakalpakstan and regions up to 240 mo. 25%at least 25% of the housing cost yes in branch
InFinBank Infin Mortgage 21.99%/year21,99% per annum for 120 months with official income and a down payment of 25-40% 20.99%/yearfrom 20.99% with official income, a down payment over 40%, and a term of up to 120 months 1 236 000 000 UZSup to 1 236 000 000 UZS (3000 BCA) for Tashkent and Tashkent region up to 180 mo. 25%at least 25% of the sale and purchase contract amount yes in branch
Trustbank Mortgage for persons without an official source of income 21.99%/year21,99% per annum for a term of up to 180 months 21.99%/year21,99% per annum 800 000 000 UZSup to 800 mln UZS for Tashkent, up to 500 mln UZS for Karakalpakstan and the regions up to 180 mo. 35%at least 35% of the property value yes in branch
Business Development Bank Mortgage — refinancing 22%/year22% per annum 21.5%/yearfrom 21,5% 4 400 000 000 UZSTashkent - up to 4,4 bn UZS up to 180 mo. no down paymentnot required yes in branch
National Bank of Uzbekistan (NBU) Comfort mortgage online 22%/year22% per annum with a 25% down payment 21.5%/yearfrom 21,5% per annum 800 000 000 UZSup to 800 mln UZS in Tashkent, up to 500 mln in the regions up to 240 mo. 25%at least 25% of the project cost yes online
Octobank Mortgage for new-build and secondary housing online 22%/year22% per annum for a term of up to 120 months with a 20–49% down payment 20%/year20% with a down payment from 50% unlimited up to 120 mo. 20%down payment from 20% yes online
Orient Finans Bank Convenient refinancing online 22%/year22% per annum for 120 months with a 25% down payment 21%/yearfrom 21% with a down payment from 35% 1 000 000 000 UZSup to 1 bn UZS for Tashkent; in other cities and rural areas up to 750 mln UZS 12–240 mo. 25%at least 25% of the contract value of the housing yes online
Turonbank Mortgage Mustaqillikka uy online 22%/year22% per annum for 120 months 22%/year22% per annum 800 000 000 UZSup to 800 mln UZS in Tashkent, up to 500 mln UZS in Karakalpakstan and regions 3–120 mo. 26% yes online
Ipoteka Bank Tijorat online 22.5%/year22,5% per annum 22.5%/yearfrom 22,5% per annum 1 700 000 000 UZSup to 1,7 bn UZS up to 240 mo. 20%/yearfrom 20% for official income yes online
Aloqabank For home renovation 22.9%/year22,9% per annum for 120 months 22.9%/year22,9% per annum 300 000 000 UZSno more than 300 mln UZS up to 120 mo. no down paymentno down payment required yes in branch
Business Development Bank Mortgage for home renovation 22.9%/year22,9% per annum, term up to 10 years 22%/yearfrom 22% 440 000 000 UZSTashkent - up to 440 mln UZS 36–120 mo. no down paymentnot required yes in branch
Asakabank Mortgage Manzil 22.99%/year22,99% per annum 21.99%/year21,99% for payroll clients and bank clients 1 760 000 000 UZSup to 1,76 bn UZS in Tashkent; up to 800 mln UZS in the regions up to 180 mo. 20%from 20% with official income; from 30% without official income — in branch
Asia Alliance Bank Royal Residence 23%/year23% per annum for the part of the loan up to 420 mln UZS 23%/yearfrom 23% per annum Up to 75% of the property value up to 240 mo. 25%From 25% of the property value yes in branch
Aloqabank Green Renovation 23%/year23% per annum for 84 months 23%/year23% per annum 350 000 000 UZSup to 350 mln UZS (Tashkent city, New Tashkent); up to 250 mln UZS in Karakalpakstan and regions up to 84 mo. no down paymentno down payment required yes in branch
Asakabank Ipoteka eko 23%/year23% per annum for 120 months 23%/year23% per annum 170 000 000 UZSup to 170 mln UZS up to 120 mo. — yes in branch
Asakabank Ipoteka eko plus 23%/year23% per annum for 120 months 23%/year23% per annum 140 000 000 UZSup to 140 mln UZS up to 120 mo. — yes in branch
Business Development Bank Green mortgage 23%/year23% per annum (fixed), term up to 10 years 23%/year23% 350 000 000 UZSTashkent and New Tashkent - up to 350 mln UZS 12–120 mo. no down paymentnot required yes in branch
Business Development Bank Madad 23%/year23% per annum, term up to 15 years 22%/yearfrom 22% 1 100 000 000 UZSTashkent - up to 1,1 bn UZS up to 180 mo. 20% yes in branch
Orient Finans Bank Mortgage loan for renovation online 23%/year23% per annum for 120 months 23%/year23% per annum 400 000 000 UZSup to 400 mln UZS 30–120 mo. no down paymentnot required yes online
Trustbank Sharq Bahori-3 mortgage 23%/year23% per annum for a term of up to 120 months 23%/yearfrom 23% per annum 800 000 000 UZSup to 800 mln UZS up to 120 mo. 20%from 20% of the cost yes in branch
Trustbank Mortgage provided from the bank's own funds 23%/year23% per annum for a term of up to 120 months 23%/yearfrom 23% per annum 1 030 000 000 UZSup to 2 500 BCA for an apartment (1,03 bn UZS), up to 3 000 BCA for an individual house (1,236 bn UZS) up to 120 mo. 20%from 20% (stable income), from 25% (self-employed) yes in branch
Xalq Bank Farovon Plus 23%/year23% per annum for a term of up to 240 months 23%/year23% per annum 600 000 000 UZSup to 600 000 000 UZS up to 240 mo. — yes in branch
Xalq Bank Yashil ipoteka 2 23%/year23% per annum for a term of up to 60 months 23%/year23% per annum 170 000 000 UZSup to 170 000 000 UZS up to 60 mo. no down paymentno down payment required yes in branch
Business Development Bank Mortgage for secondary housing 23.5%/year23,5% per annum with a down payment of 20%, term up to 15 years 22.9%/yearfrom 22,9% (preferential terms) 4 400 000 000 UZSTashkent - up to 4,4 bn UZS up to 180 mo. 20%from 20% yes in branch
National Bank of Uzbekistan (NBU) Eco-renovation online 23.5%/year23,5% per annum 23.5%/year23,5% per annum 170 000 000 UZSup to 170 mln UZS up to 120 mo. — yes online
Ipak Yuli Bank Mortgage 23.9%/year23,9% per annum for a term of up to 120 months with a down payment from 20% 21.9%/yearfrom 21,9% 1 500 000 000 UZSup to 1 500 000 000 UZS up to 120 mo. 20%from 20% (official income) yes in branch
Ipak Yuli Bank Home renovation loan 23.9%/year23,9% per annum 23.9%/year23,9% 200 000 000 UZSup to 200 000 000 UZS up to 60 mo. — yes in branch
Ipak Yuli Bank Mortgage refinancing 23.9%/year23,9% per annum 23.9%/year23,9% 1 500 000 000 UZSup to 1 500 000 000 UZS up to 120 mo. no down paymentno down payment required yes in branch
InFinBank Green renovation 23.99%/year23,99% per annum for a term of up to 120 months 23.99%/year23,99% per annum 170 000 000 UZSup to 170 mln UZS up to 120 mo. no down paymentno down payment yes in branch
Aloqabank Mortgage for foreign specialists who are IT-Park residents 24%/year24% per annum for 120 months 24%/year24% per annum 1 000 000 000 UZSup to 1 bn UZS up to 180 mo. 25%at least 25% of the property value yes in branch
Aloqabank Mortgage loan from the bank's own funds 24%/year24% per annum for 120 months 24%/year24% per annum 800 000 000 UZSno more than 800 mln UZS up to 240 mo. 20%at least 20% of the property value yes in branch
Orient Finans Bank Mortgage to buy out a loan at another bank in the Republic of Uzbekistan online 24%/year24% per annum for 120 months 24%/year24% per annum 800 000 000 UZSup to 800 mln UZS 30–240 mo. no down paymentnot required yes online
Uzpromstroybank (SQB) Ishonchli mortgage 24%/year24% per annum for a term of up to 10 years 23.5%/yearfrom 23,5% for payroll project participants, term up to 15 years 1 500 000 000 UZSup to 1,5 bn UZS up to 180 mo. 20%at least 20% of the property value yes in branch
Turonbank Even Easier online 24%/year24% per annum for 120 months 24%/year24% per annum 1 600 000 000 UZSup to 4000 BCV (calculator: up to 1,6 bn UZS) 1–120 mo. 20%from 20% (apartments in Tashkent); 25% - plots in Tashkent; 30% - apartments in the regions yes online
Xalq Bank Ta'mir 24%/year24% per annum for a term of up to 120 months 24%/year24% per annum 300 000 000 UZSup to 300 000 000 UZS in Tashkent; up to 200 000 000 UZS in Karakalpakstan and the regions up to 120 mo. no down paymentno down payment required yes in branch
Xalq Bank Qulay 24%/year24% per annum with a 25% down payment, term up to 180 months 23%/yearfrom 23% for the payroll project 1 200 000 000 UZSup to 1 200 000 000 UZS up to 180 mo. 25%from 25% (40% for the self-employed without official income) yes in branch
Poytaxt Bank Tayyor Uy 24.5%/year24,5% per annum with a down payment of 20% 22.5%/yearfrom 22,5% 800 000 000 UZSup to 800 mln UZS up to 240 mo. 20%from 20% of the cost yes in branch
Tenge Bank Mortgage for secondary housing 24.6%/year24,6% per annum with a down payment of at least 28% 24.6%/year24,6% per annum 820 000 000 UZS up to 120 mo. 28%/yearat least 28% of the cost yes in branch
Tenge Bank Mortgage for new housing 24.9%/year24,9% per annum with a down payment of 25% 23.9%/year23,9% per annum with a down payment of 50% 820 000 000 UZSup to 820 000 000 UZS up to 180 mo. 25%from 25% of the cost yes in branch
Agrobank Bizdan uy 24.99%/year24,99% per annum for 15 years (down payment 25%) 23.99%/yearfrom 23,99% (down payment 40%, self-employed) in the amount of the cost of the purchased housing 12–180 mo. 25%from 25% (for self-employed - 40%) yes in branch
Open Bank Yangi uy online 24.99%/year24,99% per annum for 120 months 24.99%/year24,99% for clients with proof of income 1 000 000 000 UZSup to 1 bn UZS up to 120 mo. 20%from 20% of the price (self-employed from 30%) yes online
Agrobank Ta'mir plyus 25%/year25% per annum for 10 years 25%/year25% per annum 170 000 000 UZSup to 170 mln UZS up to 120 mo. no down paymentno down payment required yes in branch
Apex Bank Comfort mortgage 25%/year25% per annum 25%/year25% per annum 1 500 000 000 UZSno more than 1 500 000 000 UZS 6–120 mo. 25%25% of the price of the real estate being purchased yes in branch
Turonbank Fayzli Maskan mortgage online 25%/year25% per annum for 120 months 25%/year25% per annum 800 000 000 UZSup to 800 mln UZS in Tashkent, up to 500 mln UZS in Karakalpakstan and regions 3–120 mo. 26% yes online
Ziraat Bank Uzbekistan Mortgage loan available to non-residents 25%/year25% per annum for 120 months with a 25% down payment 23.5%/yearfrom 23.5% per annum 2 000 000 000 UZSup to 2 bn UZS up to 120 mo. 25%from 25% of the cost yes in branch
Davr Bank MENING UYIM 25.99%/year25,99% per annum for up to 120 months with official income 25.99%/year25,99% with official income 500 000 000 UZSup to 500 mln UZS for Tashkent up to 120 mo. 20%from 20% with official income, from 30% with unofficial income yes in branch
InFinBank Infin Reconstruction 25.99%/year25,99% per annum for 72 months 25.99%/year25,99% per annum 412 000 000 UZSup to 1000 BCV (412 000 000 UZS) up to 72 mo. 26%at least 26% of the project cost yes in branch
InFinBank Infin Renovation 25.99%/year25,99% per annum for 72 months 25.99%/year25,99% per annum 206 000 000 UZSup to 500 BCV (206 000 000 UZS) up to 72 mo. no down paymentdown payment is not required yes in branch
Asia Alliance Bank Mortgage 26%/year26% per annum for 180 months 26%/yearfrom 26% per annum Tashkent - up to 3200 BCV, Karakalpakstan and regions - up to 2400 BCV 180 mo. 26%From 26% of the property value yes in branch
Asia Alliance Bank New home - hybrid 26%/year26% per annum for a term of up to 180 months 26%/yearfrom 26% per annum 600 000 000 UZSUp to 600 mln UZS up to 180 mo. 25%From 25% of the property value yes in branch
Business Development Bank Housing construction and reconstruction 26%/year26% per annum, term up to 15 years 25%/yearfrom 25% 1 540 000 000 UZSup to 1,54 bn UZS up to 180 mo. 20% yes in branch
Hamkorbank Beneficial for your home 26%/year26% per annum for housing purchase with a down payment of 25% to 30% 21.5%/yearfrom 21,5% 1 000 000 000 UZSup to 1 bn UZS up to 120 mo. 25%from 25% yes in branch
Hamkorbank Shared-equity mortgage 26%/year26% per annum until construction is completed 18%/yearfrom 18% 420 000 000 UZSup to 420 mln UZS up to 240 mo. 15%from 15% yes in branch
Orient Finans Bank Mortgage Invest 26%/year26,0% per annum 26%/year26,0% per annum 2 000 000 000 UZSup to 2 bn UZS up to 120 mo. — — in branch
Garant Bank Makon 28%/year28% per annum with a 25% down payment 26%/yearfrom 26% with a 45% down payment based on the cost of the housing being purchased, the figure is not specified 12–120 mo. 25%from 25% of the cost yes in branch
Bank Saderat Tashkent Mortgage 28%/year28% per annum for a term of 3 to 7 years 28%/year28% per annum up to 8 times the minimum wage 36–84 mo. 30%at least 30% of the housing cost yes in branch
Garant Bank Makon+ 30%/year30% per annum with a 50% down payment 30%/year30% per annum based on the cost of the housing being purchased, the figure is not specified 12–120 mo. 50%from 50% of the cost yes in branch
Uzpromstroybank (SQB) Mortgage for home renovation 32%/year32% per annum for a term of up to 10 years 32%/year32% per annum 200 000 000 UZSup to 200 mln UZS up to 120 mo. no down paymentdown payment 0 UZS — in branch
Asia Alliance Bank Nirvana From 0% to 17,3% per annum 0%/yearfrom 0% per annum Up to 75% of the property value up to 84 mo. 25%From 25% of the property value yes in branch
Apex Bank Installments in Mirabad Square from 0% to 16% per annum under the partner program 0%/yearfrom 0% under the partner program — 3–120 mo. 25%from 25% of the contract price of the real estate yes in branch
Asakabank Yangi Toshkent — 17%/yearfrom 17% 1 000 000 000 UZSup to 1 bn UZS up to 240 mo. 15%from 15% with an official income; from 20% with an unofficial income and for self-employed persons yes in branch
Davr Bank For home renovation from 27,1% to 34,1% per annum 27.1%/yearfrom 27,1% 300 000 000 UZSup to 300 mln UZS up to 84 mo. no down paymentnot required — in branch
Ipoteka Bank Renovation of an apartment or house online from 18,99% per annum, the exact rate is determined at application 18.99%/yearfrom 18,99% per annum 170 000 000 UZSup to 170 mln UZS up to 120 mo. — yes online
Microcreditbank Universal mortgage 24%, 25% or 26% per annum (what it depends on is not specified) 24%/yearfrom 24% per annum 1 648 000 000 UZSup to 1 648 000 000 UZS 60–240 mo. 25%from 25% of the sale price yes in branch
National Bank of Uzbekistan (NBU) Mortgage under partner programs online — 15%/yearfrom 15% per annum — — — — online
Orient Finans Bank Bashkent — 20%/yearfrom 20,0% per annum 1 060 000 000 UZSup to 1.06 bn UZS up to 240 mo. — — in branch
Orient Finans Bank Ezgu Makon mortgage — 21%/yearfrom 21,0% per annum 1 600 000 000 UZSup to 1.6 bn UZS up to 240 mo. — — in branch
Orient Finans Bank Murad Buildings mortgage — 15.5%/yearfrom 15,5% per annum 1 060 000 000 UZSup to 1.06 bn UZS up to 240 mo. — — in branch
Orient Finans Bank Mortgage for the secondary market — 24%/yearfrom 24,0% per annum 1 000 000 000 UZSup to 1 bn UZS up to 240 mo. — — in branch
Orient Finans Bank Mortgage for the primary market — 23.5%/yearfrom 23,5% per annum 1 000 000 000 UZSup to 1 bn UZS up to 240 mo. — — in branch
Orient Finans Bank Mortgage for the purchase of storage rooms and parking spaces — 0%/yearfrom 0% per annum 200 000 000 UZSup to 200 mln UZS up to 60 mo. — — in branch
Orient Finans Bank Yangi Toshkent mortgage — 17%/yearfrom 17,0% per annum 1 060 000 000 UZSup to 1.06 bn UZS up to 240 mo. — — in branch
Orient Finans Bank Reliable mortgage — 20%/yearfrom 20,0% per annum 1 060 000 000 UZSup to 1.06 bn UZS up to 240 mo. — — in branch

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