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For individuals

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Update: 18 March 2024, 11:35

Microloan “First step to business”

For individuals aged 21 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

About loan

For individuals aged 21 to 60 years who are bank clients and self-employed without official income:

-At the first stage - 20 times the basic calculation value (BCV) amount

-at the second stage - 35 times the basic calculation value (BCV) amount

Here, when determining the client’s creditworthiness, information about the borrower’s credit history, and balances of loans received from the bank and other banks is also taken into account.

Interest rates:

Loan term	Annual interest rate
12 months 24 months 36 months	26% 27% 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

26%-28%

Loan amount

up to 6.8 million soums

Loan target

for self-employed individuals without official income to open their own business

Submission form

Cash, By crediting to the card

Frequency of payments

Monthly

Repayment method

Differentiated, Annuity

Credit term

up to 36 months

Loan processing method

Bank branch, Mobile app

Grace period

• guarantee of third parties;

• insurance policy;

• Other types of security within the framework of the law

If the borrower has a balance of debt on a microloan in the JSB “Microcreditbank” system, the next microloan in this area will not be issued.

third party guarantee / insurance policy

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 36 months

Credit term

up to 100 mln. soums

Loan amount

Detail

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

Detail

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

Detail

Microloan

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 22%

Interest rate

up to 48 months

Credit term

Up to 15 million soums.

Loan amount

Detail

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.

Interest rate

up to 15 years

Credit term

According contract

Loan amount

Detail

Education loan

Temporarily suspended

14%

Interest rate

up to 15 years

Credit term

According contract

Loan amount

Detail

Microloan

Overdraft is provided to employees of enterprises and organizations serviced by the Mikrokreditbank of Uzbekistan to salary plastic cards for personal needs.

26%

Interest rate

up to 12 months

Credit term

100 BCV

Loan amount

Detail

Consumer loan

Temporarily suspended

20%

Interest rate

up to 60 months

Credit term

up to 500 BCV

Loan amount

Detail

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

Detail