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Update: 6 May 2024, 11:47

"Mahalla-Business" microloan product

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.

from 25%
Interest rate
up to 48 months
Credit term
Up to 17 million soums.
Loan amount

About loan

T/r

The main conditions for microloan allocation

1.

Borrowers

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.

1.1.

Borrower's sources of income

The credit history of self-employed individuals without official income is studied.

2.

Required documents

a) ID card or passport and passport replacement document. A copy of ID card or passport is also required if the customer presents a military ID for military personnel;

b) Self-employment certificate;

  • c) loan security documents.

3.

Currency and allocation form of microloan

Loans in national currency (soum) are allocated to individuals in cash or by transferring money to bank cards, based on the terms of maturity, solvency, security and repayment.

4.

Credit allocation form

Allocated in cash or by transferring money to bank plastic and virtual cards (online).

5.

Repayment method

Differentiated, Annuity (grace period up to 6 months)

6.

Term and annual interest rate of microloan

up to 48 months

Annual interest rates are determined based on the decision of the Bank's Product Management Commission.

7.

A grace period for principal repayment

No

8.

Amount of microloan

For self-employed individuals:

Up to 17 million soums.

9.

Debt on a previously allocated loan/microloan

There should be no overdue debt.

Information on previous loans of a self-employed borrower who does not have an official income is studied from the CIAC database.

10.

Credit support

For self-employed individuals:

  • non-return risk insurance policy (the insurance premium for non-return risk insurance service can be paid from the loan amount);

  • or third party guarantee.   

        

11.

Credit support

Security in the amount of not less than 125 percent of the loan amount.

12.

Object of provision

insurance policy term

The insurance contract and policy are concluded for the full term of the loan.

13.

Additional conditions should be checked by branch (before allocation of loan)

  • SMS notification on overdue debt is enabled;

  • loans are connected to the auto payment system;

  • that the loan and the interest payments calculated on it are set on the same day.

14.

Special condition

1. The balance of all microloan funds of the borrower in the bank and other banks, the total indebtedness cannot exceed 100 million soums.

2. Self-employed individuals (debtors) who have used this type of credit in the JSCB "Microcreditbank" system are allowed to re-receive the loan after paying off the current debt.

15.

Source of financing

Own funds of the bank.


Annual interest rate

               Term       Annual interest rate   
          12 months        
                   25%
          24 months                    26%
          36 months                    27%
          48 months                    28%
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
from 25%
Loan amount
Up to 17 million soums.
Loan target
-
Submission form
Cash, By crediting to the card, Transfer to the seller's bank account
Frequency of payments
-
Repayment method
Differentiated, Annuity
Credit term
up to 48 months
Loan processing method
Bank branch
Grace period
Yes

Terms and Conditions

Required documents

  • ID card or passport and passport replacement document. A copy of ID card or passport is also required if the customer presents a military ID for military personnel;

  • Self-employment certificate;

  • loan security documents.


Requirements

1. The balance of all microloan funds of the borrower in the bank and other banks, the total indebtedness cannot exceed 100 million soums.

2. Self-employed individuals (debtors) who have used this type of credit in the JSCB "Microcreditbank" system are allowed to re-receive the loan after paying off the current debt.

Credit support
uchinchi shaxslarning kafilligi / sug‘urta polisi

Other loans

Microloan

For individuals aged 18 to 60 years who are bank clients and self-employed without official income



26%-28%
Interest rate
up to 36 months
Credit term
up to 6.8 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 28%
Interest rate
up to 36 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. 

Temporarily suspended. Technical work is in progress!
27-31%
Interest rate
up to 24 months
Credit term
up to 50 mln. soums
Loan amount
Microloan
Online microcredit-2 - a type of remote lending to plastic cards opened by JSCB "Microcreditbank" in the framework of the salary project.
27%
Interest rate
up to 12 months
Credit term
up to 10 mln. soums
Loan amount
Education loan

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.

0%
Interest rate
up to 15 years
Credit term
According contract
Loan amount
Education loan
Temporarily suspended
14%
Interest rate
up to 15 years
Credit term
According contract
Loan amount
Microloan
Overdraft is provided to employees of enterprises and organizations serviced by the Microcredibank of Uzbekistan to salary plastic cards for personal needs.
from 20%
Interest rate
up to 24 months
Credit term
30,000,000 soum
Loan amount
Consumer loan
Temporarily suspended
20%
Interest rate
up to 60 months
Credit term
up to 500 BCV
Loan amount
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.
30%
Interest rate
up to 48 months
Credit term
up to 80 mln. soums
Loan amount
Auto loan

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

from 28%
Interest rate
60 months
Credit term
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Loan amount
Exchange Rates
  • At the exchange office
  • At an ATM
  • In the application
  • Transfers abroad
CurrencyPurchaseSaleRate of the Central Bank
USD126601273012687.7
EUR130001390013790.26
GBP152001620016119.72
JPY709081.48
CHF135001450013957.87
As of 21.05.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD125001273012687.7
EUR130001390013790.26
GBP152001620016119.72
JPY709081.48
CHF135001450013957.87
As of 21.05.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD126601273012687.7
EUR130001390013790.26
GBP152001620016119.72
JPY709081.48
CHF135001450013957.87
As of 21.05.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD126701273012687.7
As of 21.05.2024 09:00:00

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