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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.
Loan “Baxtli Makon”
NEW
Payment for expenses for the acquisition of commissioned (with an existing cadastre), residential premises (on primary and secondary housing markets) and repair of residential premises.
up to 800 million soums
loan amount
from 21.55%
-
annual rate
up to 15 years
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 15 years
Currency
Sum (UZS)
Interest rate
from 21.55%
Loan amount
up to 800 million soums
Loan target
1. Acquisition of a residential premise commissioned (with a cadastre) (on the primary and secondary housing markets); 2. Payment for housing repair expenses. Structural changes (reconstruction) do not apply to this.
Submission form
Transfer to the seller's bank account
Frequency of payments
Monthly
Repayment method
Differentiated, Annuity
Loan processing method
Bank branch
Grace period
No (Not available)
Collateral
a) The residential property being purchased or renovated with the loan funds is taken as collateral.
1) Documents required for purchasing housing:
a) ID card or passport or a document replacing a passport, presented with a copy (for military personnel, when a military ID is presented, a passport copy is also required);
b) Income documents (except for persons without income) (if it is possible to obtain data from electronic databases, these documents are not required);
d) Preliminary purchase and sale agreement for the residential property being acquired;
e) Report of an independent appraisal organization on the value of the mortgage object;
f) Cadastral documents of the residential property being purchased with loan funds;
g) Other relevant documents may be required in accordance with the legislation.
2) Documents required for renovation:
a) ID card or passport or a document replacing a passport (for military personnel, when a military ID is presented, a copy of the ID card or passport is also required);
b) Income documents (except for self-employed borrowers without permanent official income) (if it is possible to obtain data from electronic databases, these documents are not required);
d) A document confirming ownership or legal rights to the individual residential property subject to renovation (permanent use or lifetime inheritable possession rights);
e) Contract with a contractor for renovation works / purchase of construction materials / contract with hired workers (within the amount specified in the design and cost estimate documents);
f) Other relevant documents may be required in accordance with the legislation.
|
No. |
Main Lending Terms and Conditions |
|
|
1 |
Loan Purpose |
1. Purchase of a residential property that has been commissioned (with cadastral registration) in the primary or secondary housing market; 2. Payment of expenses for residential property renovation. Structural alterations (reconstruction) are not included. |
|
2 |
General Requirements for the Borrower |
A citizen of the Republic of Uzbekistan who has reached the age of 18 and is not older than 60 on the date of application for a mortgage loan. |
|
3 |
Requirements for the Borrower / Co-borrower |
A citizen of the Republic of Uzbekistan. The borrower may be an individual with a permanent official income or without a permanent official income. |
|
4 |
Maximum Loan Amount |
For purchasing housing: For the city of Tashkent up to 800 million UZS. For the Republic of Karakalpakstan and regions up to 500 million UZS. For housing renovation up to 170 million UZS. |
|
5 |
Minimum Down Payment |
The down payment is formed only in the borrower’s account opened with JSCB “Mikrokreditbank”. For purchasing housing: For individuals with permanent official income: Not less than 26% of the housing price. For self-employed individuals without permanent official income: Not less than 35% of the housing price. For renovation not required. |
Date: 11.02.2026 20:31:45
Size: 385.92 KB
Format: pdf
Size: 385.92 KB
Format: pdf
How to get a loan?
1
Submit your application
Submitting the application takes about 5 minutes on average
2
Wait for your loan approval
The application review and scoring process may take up to 10 days
3
Finalize your loan
Complete all required documentation
Use your loan funds
Use the loan funds according to the agreed terms
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.
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Online Microloan "Ommabop"
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Virtual cards
Virtual cards in the MAVRID app. Your phone is your wallet.
Install the Mavrid app from the service that’s convenient for you:
Available in Google PlayDownload to App StoreDownload to App GalleryMAVRID Mobile App for Retail Customers
Scan the QR code with your smartphone for quick access to all bank services
Have questions or need a consultation?
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