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You may bequeath your deposit funds to your relatives. To do so, your will must be officially certified by a notary.
Purchase
12010
Sale
12160
Exchange rates at the currency exchange office
| Currency | Purchase | Sale | CBU |
|---|---|---|---|
USD | 12010 | 12160 | 12101.84 |
EUR | 13000 | 14000 | 13811.83 |
RUB | 154 | 153.75 | |
GBP | 15600 | 16600 | 16183.79 |
CHF | 14200 | 15200 | 14854.35 |
JPY | 50 | 100 | 74.08 |
Rate valid as of 24.07.2026 11:10:00
"Barakali Bog" loan
Cash desk
Creation of fruit plantations
3 million. up to the equivalent of USD
loan amount
At the Central Bank's base rate
Flexible.
annual rate
Up to 120 months
credit term
Transparent terms with Mikrokreditbank
No hidden fees or unexpected charges — you know everything in advance. Fair loans. Clear conditions. Trust proven by time.
Repay your loan easily and conveniently
Repay your loan on schedule or early in any way that’s convenient for you — via the mobile app, internet banking, ATMs, or bank branches. Fast and with no commission.
A reliable partner in your growth
Mikrokreditbank — nearly 20 years of steady work for the benefit of entrepreneurs and families.
Learn more about the loan
Credit term
Up to 120 months
Currency
US Dollar (USD)
Interest rate
At the Central Bank's base rate (Flexible).
Loan amount
3 million. up to the equivalent of USD
Loan target
Creation of fruit plantations
Submission form
-
Frequency of payments
-
Repayment method
-
Loan processing method
Bank branch
Grace period
Yes (Interest and principal for up to 36 months (interest payments accrued during the grace period are repaid in equal installments over the last 5 years))
Collateral
-
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No. |
Main Loan Terms |
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1 |
Source of Financing |
Japan International Cooperation Agency (JICA) Project |
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2 |
Eligible Borrowers |
Business entities |
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3 |
Project Location |
1. Kashkadarya Region: Kitab, Shahrisabz, Yakkabag, Chiroqchi and Kamashi districts; 7. 24 districts assigned to the Bank (Khiva city, Khojayli, Chimboy, Marhamat, Pakhtaabad, Karakul, Romitan, Arnasoy, Zafarobod, Karshi, Kamashi, Khatirchi, Uychi, Mingbuloq, Narpay, Pakhtachi, Angor, Muzrabot, Boyovut, Oqqo‘rg‘on, Piskent, Furqat, Uchko‘prik and Yashnobod). |
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4 |
Purpose of the Loan |
Establishment of fruit orchards |
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5 |
Financing Currency |
National currency – Uzbek soum (UZS) |
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6 |
Loan Amount |
Up to the equivalent of USD 3 million (Based on the project's Business Plan/Feasibility Study) |
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7 |
Loan Term |
Up to 120 months (Without exceeding the maximum term established under the General Agreement concluded with the Japan International Cooperation Agency (JICA)) |
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8 |
Grace Period for Principal and Interest Repayment |
Up to 36 months for both principal and interest (Interest accrued during the grace period shall be repaid in equal installments over the final five years.) |
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9 |
Borrower's Own Contribution |
Not less than 30% of the project cost. In addition, the borrower shall participate with the land owned by him/her. |
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10 |
One-time Fee |
0.7% of the approved loan amount. |
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11 |
Annual Interest Rate |
Based on the Central Bank's policy rate (floating rate). |
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12 |
Principal and Interest Repayment Method |
Annuity or differentiated repayment. |
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13 |
Collateral Requirements |
A credit default insurance policy covering up to 125% of the collateral value may be obtained. In this case, cadastral documents for the newly established orchards shall be оформalized and accepted as additional collateral. In accordance with the requirements of the JSCB "Microcreditbank" Regulation on the formation of credit files and documentation. |
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14 |
Borrower's Creditworthiness |
Stop-factor and scoring requirements established by the JSCB "Microcreditbank" Regulation on the formation of credit files and documentation shall not apply. |
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15 |
Other Terms and Conditions |
- Borrowers receiving loans through a transit account shall open a primary or secondary settlement account within the next 36 months. - If the borrower has outstanding liabilities recorded in Card Index No. 2, a proportional amount of accounts receivable must also be available. - A conclusion on the viability and efficiency of the project (including water supply for orchards, soil fertility, etc.) must be obtained from "Quva - Agro Star" LLC. |
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Date: 03.12.2025 20:45:58
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Format: pdf
Size: 7.88 MB
Format: pdf
Date: 03.12.2025 20:45:58
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Size: 1.49 MB
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Date: 09.11.2025 04:14:28
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Date: 08.09.2025 10:36:15
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How to get a loan?
1
Fill out the application
The loan process begins by submitting an application online or at one of the bank’s branches (BXO/BXM)
2
Wait for the decision
Your application will be reviewed within 3 (three) banking days. Prepare the required documents. The manager will contact you, clarify the details, and schedule a meeting
Receive the loan
Once your application is approved, all loan documents will be finalized, and the funds will be transferred to your account
Apply for a loan at the nearest branch
Tashkent
Andijan region
Bukhara region
Djizak region
Fergana region
Kashkadarya region
Khorezm region
Namangan region
Navoi region
Republic of Karakalpakstan
Samarkand region
Sirdarya region
Surkhandarya region
Tashkent region
Credit application
Fill in contact details
After sending, our manager will contact you.
After sending, our manager will contact you.
FAQs
Can I bequeath my deposit funds to my relatives?
I want to take out a mortgage loan. Can third party pensions be added to total income in addition to my salary?
Under the new procedure for mortgage loans, as co-borrowers for a mortgage loan may be considered other persons who do not live together with the citizen-borrower of the mortgage loan and are not close relatives in terms of income. In this case, together with the amount of pension payments of the co-borrower and the borrower, interest, dividends, income from the rental of property, as well as personal income, confirmed by a declaration from the state tax authorities are taken into account.
Source: Finlit.uz
Can I repay an online loan in cash through a bank cash desk and ahead of schedule?
You can repay any loan through the cash desk of the bank in cash. The possibility of early repayment of online loans is specified in the loan offer, that is, in the contract. We recommend that you familiarize yourself with these conditions before submitting an application and upon obtaining a loan, as well as save the loan offer in the memory of your mobile device.
Source: Finlit.uz
What are the loan repayment methods?
There are two payment methods for monthly payments:
- annuity – the division of the entire amount of the debt (the principal amount of the loan, interest and other payments on it) into equal parts and equal payment throughout the entire period;
- differentiated payments – here the payment amount is gradually reduced, since interest is calculated in relation to the amount of the loan balance.
Source: Finlit.uz
What does the loan repayment include?
When repaying a loan, the borrower returns:
- the initial amount of the loan;
- interest for the use of funds;
- other expenses.
Interest rates on loans are calculated according to general principles - as a share (in %) of the principal amount, calculated for a certain period, usually a year. The loan term can be significantly more or less than a calendar year, but this does not change the essence of the accrual, the interest rate is recalculated based on the period.
Other loan costs may include, for example, bank commission, appraisal, insurance and collateral, as well as penalties for late repayment of monthly payments, etc.
Source: Finlit.uz
Mikroqarz haqida tushuncha bersangiz?
Mikroqarz mijoz arizasiga ko‘ra BHMning 150 barobarigacha miqdorida, naqd pulda ajratilsa yillik 28 % va plastik kartaga pul o‘tkazish yo‘li bilan yillik 27 % bilan, bir yilgacha bo‘lgan muddatga ajratiladi.
Isteʼmol krediti shartlari qanaqa?
BHMning 150 barobarigacha, imtiyozli davrsiz, 36 oygacha bo‘lgan muddatga, yillik 28 foiz bilan, O‘zbekiston Respublikasida ishlab chiqarilgan isteʼmol tovarlari va xizmatlarini sotib olish uchun ajratiladi.
Taʼlim krediti olish uchun nima hujjatlar talab qilinadi?
Bankka quyidagi hujjatlar topshiriladi.
- ariza;
- talaba va OTM o‘rtasida tuzilgan shartnoma (kontrakt);
- Yaqin qarindoshi sherik qarzdor bo‘lishi mumkin (pasport, ish haqi maʼlumoti);
- kredit qaytarilishining taʼminoti bo‘yicha hujjat. Bunda “ijtimoiy himoya yagona reestriga” kirgan oilalarning farzandlariga ajratiladigan taʼlim krediti bo‘yicha garov va kafillik talab etilmaydi;
- “ijtimoiy himoya yagona reestriga” kiritilganligini tasdiqlovchi maʼlumotnoma (agar bo‘lsa).
Barcha hujjatlar topshirilgandan so‘ng, ariza 5 ish kunida ko‘rib chiqiladi.
Taʼlim krediti to‘g‘risida tushuncha bersangiz?
Vazirlar Mahkamasining 2021-yil 18-avgustdagi “Oliy taʼlim tashkilotlarida to‘lov-kontrakt asosida o‘qish uchun taʼlim kreditlari ajratishni tartibga solish chora-tadbirlari to‘g‘risida”gi 527-sonli qaroriga asosan tartibga solinadi.
Kredit miqdori: talaba va OTM o‘rtasida tuzilgan to‘lov-kontrakt shartnomasi miqdorida.
Muddati: o‘qish muddati tugagandan so‘ng yettinchi oydan boshlab 7 yil muddatga.
Kredit foizi: Markaziy bankning asosiy stavkasi miqdorida (hozirda 14 %)
Taʼlim krediti O‘zbekiston Respublikasida faoliyat yurituvchi OTMlar uchun faqat O‘zbekiston Respublikasi fuqarolari uchun, kunduzgi taʼlim shakliga ajratiladi (super kontrakt uchun yoki maxsus sirtqi, kechki va sirtqi taʼlim shakllari uchun berilmaydi).
“Har bir oila – tadbirkor” dasturi doirasida imtiyozli kredit olish tartiblari haqida tushuncha bersangiz?
"Har bir oila – tadbirkor" dasturi doirasida imtiyozli kreditlar O‘zbekiston Respublikasi Prezidentining 2018-yil 7-iyundagi PQ-3777-sonli qaroriga asosan quyidagi shartlar asosida ajratiladi.
Jismoniy shaxslar uchun – Respublikada o‘rnatilgan BHMning (bugungi kunda BHM 270 ming so‘mni tashkil etadi) 150 barobarigacha, 6 oylik imtiyozli davr bilan, 36 oygacha bo‘lgan muddatga, yillik 14 foiz bilan ajratiladi.
Yuridik shaxslar uchun – BHMning 1000 barobarigacha, 6 oylik imtiyozli davr bilan, 36 oygacha bo‘lgan muddatga, yillik 14 foiz bilan beriladi. Shuningdek, yuridik shaxslar uchun, Hunarmandchilikni rivojlantirish uchun 2017-yil 17-noyabrdagi PF-5242-sonli qaroriga asosan imtiyozli kredit miqdori BHMning 250 barobarigacha;
- Xotin qizlarni va oilani qo‘llab-quvvatlash uchun 2018-yil 2-fevraldagi PF-5325-sonli qarorga asosan imtiyozli kredit miqdori BHMning 1500 barobarigacha;
- Yoshlarni tadbirkorlikka jalb qilish uchun 2020-yil 13-oktyabrdagi PQ-4862-sonli qaroriga asosan imtiyozli kredit miqdori 225 mln. so‘mgacha;
- Fermer, dehqon xo‘jaliklari va tomorqa yer egalari uchun 2018-yil 26-apreldagi PQ-3680-sonli qaroriga asosan imtiyozli kredit miqdori loyiha miqdori doirasida;
- Аholi bandligini taʼminlash uchun 2018-yil 14-iyuldagi PQ-3856-sonli qaroriga asosan imtiyozli kredit miqdori BHMning 500 barobarigacha hisoblanadi.
Yuridik shaxslarga ajratiladigan kredit BHMning 150 barobaridan ortiq bo‘lganda, kredit taʼminoti sifatida mol-mulk garovi taqdim qilinadi.
Oilaviy tadbirkorlik faoliyatimni boshlash uchun imtiyozli kredit olmoqchiman, qayerga murojaat qilishim mumkin?
O‘zbekiston Respublikasi Prezidentining 2021-yil 27-martdagi PQ-5041-son qaroriga asosan, oilaviy tadbirkorlikni rivojlantirish bo‘yicha Dasturlar doirasida 2021-yil 1-apreldan boshlab:
- aholi va tadbirkorlik subyektlarining kredit olish uchun arizalari Oilaviy tadbirkorlikni rivojlantirish dasturlari yagona elektron platformasi orqali qabul qilinadi;
- kredit olishda talabgorlarga «Аgrobank» АTB, АT Xalq banki va «Mikrokreditbank» АTBlar orasidan birini ixtiyoriy tanlab, barcha dasturlar doirasida imtiyozli kredit olish bo‘yicha murojaat etish imkoniyati yaratildi;
- kredit oluvchi tanlagan mahsulot yetkazib beruvchi (ish bajaruvchi) tashkilot tomonidan mahsulotlar yetkazib berilgandan (ish bajarilganidan) so‘ng, kredit mablag‘lari taʼminotchiga ajratib beriladi.
Har bir jarayon boʼyicha, elektron SMS-xabarnoma keladi.
Other loans
Kredit liniyasi hisobidan aylanma mablag‘larni to‘ldirish uchun beriladigan sub-kredit (sub-lizing) miqdori sub-loyiha umumiy miqdorining 20 foizigacha
Loan amount
14 yilgacha
Credit term
Markaziy bankning qayta moliyalashtirish stavkasi miqdorida;
Annual rate
125 ming AQSh dollari va/yoki soʻm ekvivalentigacha
Loan amount
10 yilgacha
Credit term
Milliy valyutada qayta moliyalashtirish stavkasi + 5 foiz bank marjasi; Xorijiy valyutada 11 foiz stavkada.
Annual rate
30,0 mln. AQSh dollargacha
Loan amount
10 yilgacha
Credit term
Milliy valyutada k;ayta moliyalashtirish stavkasi + 5 (besh) foiz bank marjasi; Xorijiy valyutada 11 (o'n bir) foiz stavkada.
Annual rate
Umumiy oyna - kichik va o‘rta qishloq tadbirkorlari, fermerlar va agrobiznes uchun 1 000,0 ming Euro ekvivalentigacha; Aylanma mablag‘larni shakllantirish uchun 100 ming Euro ekvivalentigacha; Maxsus mikromoliyalashtirish oynasi - mikro va kichik subkredit oluvchilar uchun 100,0 ming Euro ekvivalentigacha;
Loan amount
7 yilgacha
Credit term
Qayta moliyalashtirish stavkasi + 5 foiz
Annual rate
1) Birinchi oyna - Chorvachilik klasterlari (yirik chorvachilik korxonalari)ga 3,0 mln AQSh dollargacha. Bunda loyiha tashabuskori loyihada naqd yoki naqd pulsiz shaklda Subloyiha qiymatining kamida 30 foizini o‘z hisobidan amalga oshiradi; 2) Ikkinchi oyna - Fermer xo‘jaliklari, qishloq xo‘jaligi korxonalari, ishlab chiqarish kooperativalri va boshqa qiymat zanjiri ishtirokchilari uchun 1,0 mln. AQSh dollargacha. Bunda loyiha tashabuskori loyihada naqd yoki naqd pulsiz shaklda Subloyiha qiymatining kamida 30 foizini o‘z hisobidan amalga oshiradi; 3) Uchinchi oyna - Kichik fermer, dehqon xo‘jaliklariga soddalashtirilgan tartib-qoidalar asosida 100,0 AQSh dollargacha. Bunda loyiha tashabuskori loyihada naqd yoki naqd pulsiz shaklda Subloyiha qiymatining kamida 30 foizini o‘z hisobidan amalga oshiradi.
Loan amount
10 yilgacha
Credit term
- So‘mda - Markaziy bankning qayta moliyalashtirish stavkasi + 3 foiz miqdorida; AQSH dollarida – yillik 11 foiz miqdorida;
Annual rate
Mobile Banking
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