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Consumer loan

Consumer loans are issued to citizens aged at least 18 who have a permanent place of residence, as well as income received legally in the Republic of Uzbekistan.
28%
Interest rate
up to 60 months
Credit term
up to 150 mln. soums
Loan amount

About loan

Borrower: Loan is allocated to individuals with a stable income or employees of budgetary organizations who are participants in the payroll project of JSCB “Microcreditbank”.

Purpose of the loan: Loan is allocated to individuals to pay for the provided services (works) and purchase goods in order to meet their consumer needs.

Loan term: up to 60 months

Annual interest rate: 28%.

Maximum loan amount:

  • up to 150 times the amount of the basic calculation value (BCV) (on the basis of a guarantee or insurance policy);
  • from 150 times the amount of the basic calculation value (BCV) up to 150 million soums (on the basis of liquid collateral).
Apply for a loan online

You can apply for a loan by visiting the Bank's subdivisions (branches, offices of banking services) or on the Bank's website. Online applications are accepted 24 hours a day and processed quickly.

Fill out an online application form. Our employee will contact you and tell you about the terms of registration and issuance.

Tariffs and conditions

Interest rate
28%
Loan amount
up to 150 mln. soums
Loan target
Loan is allocated to individuals to pay for the provided services (works) and purchase goods produced in the Republic of Uzbekistan in order to meet their consumer needs
Submission form
Transfer to the seller's bank account
Frequency of payments
Monthly
Repayment method
Annuity
Credit term
up to 60 months
Loan processing method
Bank branch
Grace period
No
Information sheet
Download the Information sheet on the main conditions of the loan

Calculate your loan

Loan amount
25 000 000
soum
from 1 million soum
to 80 million soum
Loan term
14
months
from 1 month
to 48 month
Interest rate
28
%
from 10 %
to 50 %
Method of payment of monthly loan
* The calculation is preliminary. The exact amount of the monthly payment will be determined by the bank based on the results of consideration of the application.
Interest rate:
...%
Average monthly payment*
... soum
Full cost of the loan:
...%
* The calculation is preliminary. The exact amount of the monthly payment will be determined by the bank based on the results of consideration of the application.

Terms and Conditions

Required documents
  • ID card or passport;
  • stable income;
  • product’s / rendered services’ contract of purchase;
  • loan security documents.
Requirements

Loan is allocated to individuals with a stable income or employees of budgetary organizations who are participants in the payroll project of JSCB “Microcreditbank”.

Credit support
  • guarantees of third parties;
  • insurance policy;
  • Other types of security within the law.

Documents

Consumer loan contract template
Size: 118.50 KB
Format: doc
Public offer of loan repayment
Size: 420.81 KB
Format: pdf

Other loans

Auto loan

Allocated for the purchase of cars


from 25%
Interest rate
60 months
Credit term
up to 750 million soums
Loan amount
Auto loan
Loans for the purchase of domestically produced vehicles are provided to citizens of the Republic of Uzbekistan.


from 28%
Interest rate
up to 60 months
Credit term
up to 1 billion 125 million soums
Loan amount
Auto loan

Temporarily suspended

Loan is allocated for the purchase of a car manufactured in the Republic of Uzbekistan

from 28%
Interest rate
60 months
Credit term
up to 750 million soums
Loan amount

Microloan

NEW
Microloan

The microloan is disbursed in cash or by transferring to a borrower's plastic card in the national currency for a period of 60 months up to 100 million soums.

from 27%
Interest rate
up to 60 months
Credit term
up to 100 mln. soums
Loan amount
Microloan
Individuals with a permanent income and participants in the salary project of JSCB Microcreditbank. 

30%
Interest rate
up to 24 months
Credit term
up to 30 mln. soums
Loan amount
Mortgage loan
For citizens of the Republic of Uzbekistan who has reached 18 years of age and not more than 60 years of age on the day of applying for a mortgage loan.
up to 17,5%
Interest rate
up to 20 years
Credit term
420 mln. soums
Loan amount
Mortgage loan

A citizen of the Republic of Uzbekistan included in the anti-poverty program on the recommendation of the Mahalla Ettiliga and in need of improved housing conditions

17.5%
Interest rate
20 years
Credit term
120 mln. soums
Loan amount
Mortgage loan
For citizens of the Republic of Uzbekistan who has reached 18 years of age and not more than 60 years of age on the day of applying for a mortgage loan.
from 24%
Interest rate
up to 15 years
Credit term
up to 1 billion 500 million soums
Loan amount
Education loan
Starting from the 2024/2025 academic year, preferential educational loans will be allocated only to full-time students

Applications for educational loans can be submitted online through the website talim-krediti.mf.uz and the single portal (my.gov.uz).
13,5%
Interest rate
up to 15 years
Credit term
According contract
Loan amount
Education loan
Starting from the 2024/2025 academic year, preferential educational loans will be allocated only to full-time students.
0%
Interest rate
up to 15 years
Credit term
According contract
Loan amount
Exchange Rates
  • At the exchange office
  • At an ATM
  • In the application
  • Transfers abroad
CurrencyPurchaseSaleRate of the Central Bank
USD127701288012813.04
EUR130001400013457.54
GBP158001680016243.09
JPY709085.06
CHF140001500014442.11
As of 04.12.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD125001288012813.04
As of 04.12.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD127701288012813.04
As of 04.12.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD127701288012813.04
As of 04.12.2024 09:00:00

New documents

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Contacts
Call center
Work schedule: MO-FR 08:00-20:00
Helpline
Work schedule: MO-FR 09:00-18:00
Trust number department of Anti-corruption control
(Internal number: 1265)
Work schedule: MO-FR 09:00-18:00
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