Menu:
up to 824 million soums
Loan amount
60 months
Credit term
25%
Annual rate
"Mahalla-Business" microloan product
NEW
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.
Up to 30 million soums.
loan amount
27%-29%
-
annual rate
up to 48 months
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 48 months
Currency
Sum (UZS)
Interest rate
27%-29%
Loan amount
Up to 30 million soums.
Loan target
-
Submission form
Cash, By crediting to the card, Transfer to the seller's bank account
Frequency of payments
Monthly
Repayment method
Differentiated, Annuity
Loan processing method
Bank branch
Grace period
Yes
Collateral
uchinchi shaxslarning kafilligi / sug‘urta polisi
|
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;
|
|
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 3 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: 1. For a period of up to 24 months – in an amount not exceeding 17 million UZS; 2. For a period of up to 48 months – in an amount not exceeding 30 million UZS. |
|
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:
|
|
11. |
Credit support |
Security in the amount of not less than 125 percent of the loan amount. |
|
12. |
Object of provision insurance policy term |
For self-employed individuals: 1. For a microloan of 17 million UZS or less: - A non-repayment risk insurance policy (the insurance premium for the non-repayment risk service may be paid from the loan amount); - Or a third-party guarantee. 2. For a microloan exceeding 17 million UZS: - Only a third-party guarantee. |
|
13. |
Additional conditions should be checked by branch (before allocation of loan) |
|
|
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 | 27% |
| 24 months | |
| 36 months | 28% |
| 48 months | 29% |
In case of an increase in the volume of problem loans, restrictions may be introduced at individual Banking Service Centers and Banking Service Offices.
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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.
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.
Date: 09.11.2025 04:02:01
Size: 484.29 KB
Format: pdf
Size: 484.29 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
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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