Amount
416,5 mln. uzs
Loan purpose
For purchasing property
Credit term
till 240 month
Hamkor quruvchi tashkilotlar
Application for a loan
|
PRODUCT NAME |
OSON MORTGAGE LOAN |
|
|
Purpose |
buy a house on the primary market |
|
|
Client (physical person who is a citizen of the Republic of Uzbekistan) |
on a fixed income |
self-employed person |
|
Term |
Up to 240 months |
|
|
Initial payment is not less than |
15% |
26% |
|
Annual interest rate |
18% |
19% |
|
Maximum loan amount |
up to 416,5 mln UZS – Tashkent city; up to 327,25 mln UZS – Republic of Karakalpakstan and regions |
|
|
Minimum loan amount |
50 mln UZS |
|
|
Grace period |
without grace period |
|
|
Co-borrower |
up to 3 co-borrowers |
on a fixed income |
|
Collateral requirement |
117,5% (not less than from the value of the housing) |
|
|
Obligatory supply |
pledge of the house to be purchased |
|
|
Age (min./max.) |
21 years of age (not older than 70 years at the end of the loan term) (customer/co-borrower) |
|
|
Life insurance |
If the age is over 63, the client must take out life insurance from age 63 to 70 (the insurance benefit is payable when the client reaches the age of 63) |
|
|
Minimum work experience |
6 months |
co-borrower with 6 months income |
|
Minimum income requirement |
1 050 000 UZS |
monthly income of the co-borrower should not be less than 1,050,000 UZS |
|
Maximum debt load |
<70% |
|
|
Documents to be provided |
passport (ID-card), sale and purchase agreement, document confirming the down payment, documents confirming the readiness of housing for living (housing transfer act) |
|
|
Special conditions |
- determination of the client's creditworthiness is determined on the basis of a scoring model, taking into account the requirements for debt load and credit history; - determining the client's ability to pay, the loan should be set up in the form of an annuity/differential, repayment schedule of 4-20 days; - on the overdue part of the loan, withdrawal of funds from the borrower's (co-borrowers') bank card is made without acceptance |
|
Attention
| Name | Summ |
|---|---|
Monthly payment (if calculated in annuity) |
4 995 112 UZS |
The minimum monthly income required for obtaining a loan |
7 135 875 UZS |
Application-2
To the regulation on the minimum requirements for the activities of commercial banks in the implementation of relations with consumers of banking services
Information sheet
about main terms of the loan
| The name of commercial bank, Official website, phone numbers |
JSCMB "Ipoteka-bank", www.ipotekabank.uz Phone:(78) 150-11-22, Contact center:1233 |
|---|---|
1-section. Loan information |
|
| 1. Type of the loan | Ипотечный кредит |
| 2. Purpose of the loan | For purchasing property |
| 3. Amount of the loan (in national currency) | |
| 4. Term of the loan (in month) | month |
| 5. The interest rate during the term of the loan (nominal amount) and the amount payable on this interest amount | % |
1,203,536,579 uzs |
|
| 7. Grace period for the loan (if exist) | not exist |
| 8. Periodic payments (monthly, quarterly and etc.) | Monthly |
| 9. Loan repayment method (annuity method (equal amounts), differential method) | Annuity method |
|
10. The amount of a one-time payment during the payment period: Annuity method In differential method |
6,750,152 uzs |
|
11. The form of provision of the loan (transfer of money to the account of the supplier of goods/services, in cash, transfer to a bank card, etc.) |
with method of transferring money to the account of the supplier of goods/services |
| 12. Additional expenses related to the loan (if any): | not exist |
| Bank commissions and fees by type (indicate separately) | not exist |
| Third party services (indicate separately) | not exist |
| 13. Total cost of the loan (includes nominal interest rate and loan servicing costs) |
1,620,036,579 uzs |
2-section. Important conditions related to other financial obligations
| 1. In connection with the late repayment of the loan debt, a penalty (fine, penalty) provided in the contract is imposed (if there is such a condition) | for each day of late payment in the amount of 0.1 percent of the late payment amount |
| 2. The amount of the increased interest rate paid on the loan amount due to late repayment of the loan debt (if such condition exists) | Pays interest in an amount 1.5 times higher than the interest specified in the agreement. |
| 3. Collateral of the loan (minimum requirements for the subject of collateral, minimum cost of collateral) |
Read carefully before agreeing to take out a loan!
You have the right to receive complete and detailed information from the bank about the terms and amount of the loan, about the procedure for payment and settlement (interest, fines and penalties), about Your rights and obligations under the loan agreement, about the loan agreement about possible risks and responsibilities, as well as other issues that are unclear to you.
If you have complaints, you can send your appeal to (indicate the phone number) the digital phone number or (indicate the bank's postal address) the address or (indicate the bank's email address) the email address.
|
ACCURACY OF THE INFORMATION SHEET AND THE AUTHENTICITY IS CONFIRMED. _______________________________________ (position and full name of the bank's specialist) |
_______________________________ (date of completion) |
