Mortgage loans in Uzbekistan

Mortgage at a low rate

Compare mortgage programs from 35+ banks in Uzbekistan and find the best terms for buying an apartment or house.

offers
77
banks
7
rate
from 0%
term
up to 25 yrs

A mortgage is a long-term home loan that lets you buy real estate today. At PulMarket, we aggregate mortgage offers from all major Uzbekistan banks so you can compare terms without visiting multiple offices.

Mortgage at a low rate — топ предложений

Why get a mortgage in Uzbekistan?

Mortgage lending in Uzbekistan is growing rapidly: rates are falling, terms extending to 20–25 years, and down payments starting from 10–20%. Government subsidy programs make mortgages more accessible for young families.

Who is a mortgage suitable for?

Citizens of Uzbekistan with official income, stable employment, and a good credit history. Most banks require a down payment of 10% or more and borrower age from 18 to 65 at time of full repayment.

A mortgage is one of the most important financial decisions you will make. Choosing the right bank and program can save you millions of soums in interest.

At PulMarket, you will find mortgage programs from both state-owned banks (Ipoteka-Bank, Agrobank) and commercial banks, with varied rates, terms, and borrower requirements.

When choosing a mortgage, look beyond the rate: consider insurance, servicing fees, early repayment conditions, and flexibility in case your financial situation changes. Use our calculator to get an accurate monthly payment estimate.

Frequently asked questions about mortgages

What is the minimum down payment for a mortgage?
Most banks in Uzbekistan require a minimum down payment of 10–20% of the property value. Government subsidy programs may allow a lower down payment.
What is the maximum mortgage term?
Mortgage terms in Uzbekistan typically range from 3 to 25 years. A longer term means lower monthly payments but higher total interest.
Can I get a mortgage without proof of income?
Most banks require income verification. Some offer programs with a simplified document set — check with your chosen bank for details.

Find the best mortgage now