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Loan for a separate category of youth

Loan for a separate category of youth

The terms of the loan provided to citizens married recently from families included in "Temir Daftar" and "Ayollar Daftari", as well as citizens included in "Yoshlar Daftari", for the construction of additional housing in individual households at the expense of the Ministry of Finance of the Republic of Uzbekistan.

up to 33 million soums loan amount from 17 % annual interest rate up 20 years loan term

Loan for a separate category of youth

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Basic terms of the loan:

The terms of the loan provided to citizens married recently from families included in "Temir Daftar" and "Ayollar Daftari", as well as citizens included in "Yoshlar Daftari", for the construction of additional housing in individual households at the expense of the Ministry of Finance of the Republic of Uzbekistan.

Loan amount Loan term Annual interest rate Privileged period

up to 33 million soums

20 years

In cities - 18%

Individual housingonida at least 15 percent of the cost of additional housing construction work

up to 33 million soums

20 years

In rural areas - 18%

Individual housingonida at least 15 percent of the cost of additional housing construction work


Type of porvision:

  • Guarantee of the fund”Saxovat va ko’mak “ for newly married children of families included in the” Temir daftar";
  • For recently married people of families included in the” Ayollar daftari“ – the guarantee of the ”Ayollar daftari" Foundation;
  • For renecntly married people who are included in the”Yoshlar daftari“ – the guarantee of the” Yoshlar daftari" Foundation.

The interest rate on the loan in case of reduction of the base rate of the Central Bank of the Republic of Uzbekistan is proportionally reduced, and in case of increase – remains unchanged.

List of documents required from the borrower:

  • the original of the identity document of the client (joint borrower) (civil passport or identity card of the person). A bank employee takes a copy from the original identity document);
  • contract(s) for the purchase of building materials and (or) for the construction of additional housing in a separate apartment;
  • A certificate confirming that the client is included in the "Temir daftar", "Ayollar daftari" and "Yoshlar daftari;
  • a certificate that the client and his/her spouse are also married for the first time;
  • a copy of the document (documents) confirming the ownership of the land plot allocated for the construction of additional housing;
  • A copy of the cadastral document of a separate apartment for which additional housing will be built;
  • summary of design and estimate documentation and expert opinion on additional housing construction works;
  • documents related to the provision of the laon.

Information on the income of the borrower (joint borrowers) is obtained from the database of the State Tax Service (STS). The certificate is provided by the borrower (co-borrowers) in cases where there is no possibility of obtaining a certificate from the STS database (in the case of applying for a loan from citizens who do not pay income tax, are exempt from income tax, as well as technical failures in the STS database and the bank's internal information system).

Potential borrowers (individuals) must meet the following compliance criteria:

  • Be a citizen of the Republic of Uzbekistan belonging to certain categories of youth who have reached the age of 18 and are not older than 30 years on the day of applying for a loan;
  • Children of families included in ”Temir Daftar" and "Ayollar daftaris", as well as recently married included in "Yoshlar Daftar" (no more than 3 years from the date of marriage registration);
  • have sources of income, permanent income from personal subsidiary or peasant farming or individual entrepreneurial activity, as well as another source of income not prohibited by law and confirmed by documents, sufficient for the monthly payment of accrued interest on the loan and the principal debt in accordance with the repayment schedule;
  • the debt load indicator means that the average monthly payments of the borrower on all loans and microloans should not exceed 70% of the approved average monthly income of this borrower and co-borrower;
  • the possibility of forming an initial payment in the amount of at least 15 percent of the cost of additional work on the construction of housing in an individual house;
  • the borrower has no overdue debt on loans previously received from credit institutions at the time of consideration of the issue of loan allocation;
  • those who have not previously received an apartment or individual housing and other assistance in providing housing using preferential mortgage loans and mortgage subsidies as part of affordable housing construction programs;
  • lifetime ownership or ownership of a land plot for the construction of additional housing in an individual house and the availability of design and estimate documentation approved in accordance with the established procedure.
  • persons who, at the time of consideration of the issue of allocating a loan, had no overdue debts to credit institutions for previously received loans.
  • In the calculations of the debt load indicator, the sum of the average monthly income of the client and co-borrowers is calculated as the arithmetic mean of the amount of income they have received over the past 12 months (in the case of work for less than 12 months – for the period worked).
  • The borrower must have a source of income for at least 6 months out of the last 12 months.
  • Repayment of the loan and payment of interest on it are carried out according to the loan agreement and payment schedule concluded between the bank and the borrower by annuity or differential method at the discretion of the client.

Benefits of a loan from Alokabank

Fast decision making processing the application
as soon as possible.

Issuance of a loan on the day of application use the funds immediately
after receiving the loan.

Minimum documents a passport is enough
to open a loan.

How to get a loan?

1
Fill out an application

It takes
about 5 minutes on average

2
Wait for approval

We make a decision
within 15 minutes

3
Get a loan at the nearest branch

Take your documents with you

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