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up to 824 million soums
Loan amount
60 months
Credit term
25%
Annual rate
Education loan for women
NEW
Starting from the 2024/2025 academic year, preferential educational loans will be allocated only to full-time students.
According contract
loan amount
0%
-
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.
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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
0%
Loan amount
According contract
Loan target
Allocated for studying in educational institutions
Submission form
Transfer to the seller's bank account
Frequency of payments
Monthly
Repayment method
Differentiated, Annuity
Loan processing method
Bank branch
Grace period
Yes (Study period + 6 months)
Collateral
- guarantees of third parties;
- insurance policy;
- Other types of security within the law.
Collateral and guarantees are not required for educational loans allocated to women from families included in the Unified Register of Social Protection. In this case, the education loan is disbursed under the condition that "Co-borrower" is provided.
Purpose of the loan: Loan is issued to the female students who are the citizens of the Republic of Uzbekistan, who were recommended or accepted for study on a fee-based contract basis in the form of full-time, part-time and evening bachelor's and master's studies in all higher, secondary special and professional educational organizations, operating in the Republic of Uzbekistan (state, non-state higher, secondary special and professional educational organizations, foreign higher, secondary special and professional educational organizations in the territory of the Republic of Uzbekistan and their branches) and in joint educational programs as well as for the students who transferred their studies.
Annual interest rate: Interest payments are fully covered by the Education Financing Fund under the Ministry of Finance of the Republic of Uzbekistan.
Maturity of main debt: 7 years, starting from the seventh month after the end of the period of formal study in the relevant type of study in an educational institution
Maximum loan amount: The sum specified in the contract.
Collateral and guarantees are not required for educational loans allocated to women from families included in the Unified Register of Social Protection.
- ID card or passport;
- duly executed agreement (contract) between the student and the educational organization for training on the basis of the payment agreement and the payslip/invoice attached to it
- Certificate of inclusion in “the Unified Register of Social Protection” (for female family members included in the Unified Register of Social Protection);
- other relevant documents specified by law may also be required
Loans are allocated to female students recommended or accepted for training on a paid-contract basis in the specialties of bachelor's and master's programs of educational institutions.
Date: 09.11.2025 04:02:01
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Size: 484.29 KB
Format: pdf
Date: 05.07.2022 13:06:17
Size: 420.81 KB
Format: pdf
Size: 420.81 KB
Format: pdf
Video
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
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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Opening a deposit is easy!
Download the MAVRID app right now.
Install the Mavrid app from the service that’s convenient for you:
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Download to App Store
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Free Transfers
Enjoy transfers up to 5 million UZS — completely free!
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Online Microloan "Ommabop"
Fast and easy! Download the MAVRID app right now.
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
Online Education Loan
Don’t delay your studies — start now.
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
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?
Available in Google PlayDownload to App StoreMAVRID Mobile App for Retail Customers
Scan the QR code with your smartphone for quick access to all bank services
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