About loan
Borrower: A loan is issued to an individual with permanent income.
Purpose of the loan: For the purchase of a home to live in (from the secondary market).
Loan term: 5 years, 10 years, 15 years.
Minimum down payment: 25% (from the sale price of the house).
Annual interest rate: 24%, 25%, 26%.
Maximum loan amount: 4000 x basic calculation value (BCV).
*In case of an increase in the volume of problematic loans, certain restrictions may be imposed in specific Banking Service Centers and Banking Service Offices.
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
Terms and Conditions
- ID card or passport;
- permanent income;
- initial contract of purchase on the value of the purchased home;
- the report of an independent appraisal organization on the appraisal of the mortgage object;
- cadastral documents for housing purchased on loan;
- other relevant documents specified by law may also be required.
A loan is issued to an individual with permanent income.
- house purchased on loan;
- guarantees of third parties;
- loan default insurance policy.
Documents
Format: doc
Format: pdf
Other loans
Individuals who are self-employed individuals aged between 18 and 60 who are bank clients and live in the neighborhoods attached to JSCB “Microcreditbank” by the government.
For individuals aged 18 to 60 years who are bank clients and self-employed without official income
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.
Individuals with a permanent income and participants in the salary project of JSCB Microcreditbank.
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
Allocated for the purchase of cars
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).
Starting from the 2024/2025 academic year, preferential educational loans will be allocated only to full-time students.
The loan is allocated to clients of the bank who are aged 18 to 60 years old, engaged in farming and individual entrepreneurial activities with a stable official income and to clients who are self-employed without official income.
- At the exchange office
- At an ATM
- In the application
- Transfers abroad
| Currency | Purchase | Sale | Rate of the Central Bank |
|---|---|---|---|
| USD | 12300 | 12400 | 12314.71 |
| EUR | 13800 | 14800 | 14579.39 |
| GBP | 16300 | 17300 | 16804.65 |
| JPY | 70 | 100 | 83.62 |
| CHF | 15000 | 16000 | 15629.79 |
| Currency | Purchase | Sale | Rate of the Central Bank |
|---|---|---|---|
| USD | 12100 | 12400 | 12314.71 |
| Currency | Purchase | Sale | Rate of the Central Bank |
|---|---|---|---|
| USD | 12300 | 12370 | 12314.71 |
| Currency | Purchase | Sale | Rate of the Central Bank |
|---|---|---|---|
| USD | 12300 | 12400 | 12314.71 |
New documents
Deposit contract template
Micro loan contract template
