Showing Uzbekistan because that’s where you are.
Uzbekistan 💰 UZS Last updated2026-05-28 Ipoteka Calculator
Uzbekistan
A 800,000,000 UZS mortgage at 26.0% over a 20-year term works out to a monthly payment of about 17 435 007 soʻm, with total interest of 3 384 401 671 soʻm over the full term.
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Local context Ipotekas in Uzbekistan
Market overview
Uzbekistan's mortgage market is led by NBU (National Bank for Foreign Economic Activity), Asaka Bank, Ipoteka Bank (now controlled by Hungary's OTP Group following the 2023 privatisation), Aloqa Bank and Kapital Bank, with the state-owned Uzbek Mortgage Refinancing Company providing wholesale funding. The Central Bank of Uzbekistan held its policy rate at 13.50% through 2026 following sustained disinflation under the post-2017 reform programme championed by President Shavkat Mirziyoyev. Tashkent leads demand, especially the Yashnobod and Yangihayot expansion zones, with Samarkand and Bukhara seeing growing investor interest tied to the tourism push.
Why 26% is the typical rate
Mortgage rates of 25–28% in commercial banks reflect the policy rate of 13.5% plus a wide margin, though subsidised state programmes via Uzbek Mortgage Refinancing Company offer 13–17% to qualifying buyers.
Tax & regulatory notes
The Tax Code of Uzbekistan imposes state duty of 1.5% on residential conveyances and 0.5% for documented mortgage registration. The Family Mortgage (Oilaviy Ipoteka) state programme launched by Presidential Decree PP-4938 provides subsidised mortgages of around 17% APR for young families purchasing newly built apartments. Foreign nationals were permitted to own residential property starting with the 2018 Land Code amendments, subject to registration with the Cadastre Agency.
A 800,000,000 UZS mortgage at 26.0% over a 20-year term
800 000 000 soʻm 26% 20 years (240 months) 17 435 007 soʻm 3 384 401 671 soʻm 4 184 401 671 soʻm 
