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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
No

Terms and Conditions

Required documents

• guarantee of third parties;

• insurance policy;

• Other types of security within the framework of the law

Requirements

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.



Credit support
third party guarantee / insurance policy

Other loans

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 27%
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
27-31%
Interest rate
up to 24 months
Credit term
up to 30 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
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
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 Mikrokreditbank of Uzbekistan to salary plastic cards for personal needs.
26%
Interest rate
up to 12 months
Credit term
100 BCV
Loan amount
Consumer loan

The loan is allocated to individuals with a stable income.

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 26%
Interest rate
60 months
Credit term
2000 BCV
Loan amount
Exchange Rates
  • At the exchange office
  • At an ATM
  • In the application
  • Transfers abroad
CurrencyPurchaseSaleRate of the Central Bank
USD126301271012671.84
EUR130001390013468.9
GBP152001620015778.98
JPY709081.98
CHF135001450013874.78
As of 17.04.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD125001271012671.84
EUR130001390013468.9
GBP152001620015778.98
JPY709081.98
CHF135001450013874.78
As of 17.04.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD126401271012671.84
EUR130001390013468.9
GBP152001620015778.98
JPY709081.98
CHF135001450013874.78
As of 17.04.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD126401271012671.84
As of 17.04.2024 09:00:00

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