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Update: 30 May 2024, 17:13

Microloan “First step to business”

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

About loan

For individuals aged 18 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

Auto loan

Allocated for the purchase of cars

from 27%
Interest rate
60 months
Credit term
2000 BCV
Loan amount
Auto loan
Loans for the purchase of domestically produced vehicles are provided to citizens of the Republic of Uzbekistan.
from 28%
Interest rate
up to 60 months
Credit term
3000 BCV
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
2000 BCV
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
Mortgage loan

A citizen of the Republic of Uzbekistan included in the anti-poverty program on the recommendation of the Mahalla Ettiliga and in need of improved housing conditions

18%
Interest rate
20 years
Credit term
120 mln. soums
Loan amount
Mortgage loan
For citizens of the Republic of Uzbekistan who has reached 18 years of age and not more than 60 years of age on the day of applying for a mortgage loan.
up to 18%
Interest rate
up to 20 years
Credit term
420 mln. soums
Loan amount
Mortgage loan
For citizens of the Republic of Uzbekistan who has reached 18 years of age and not more than 60 years of age on the day of applying for a mortgage loan.
26%
Interest rate
15 years
Credit term
4000 BCV
Loan amount
Education loan
Temporarily suspended
14%
Interest rate
up to 15 years
Credit term
According contract
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
Exchange Rates
  • At the exchange office
  • At an ATM
  • In the application
  • Transfers abroad
CurrencyPurchaseSaleRate of the Central Bank
USD126101270012643.91
EUR130001390013575.77
GBP155001650016096.96
JPY709080.1
CHF135001450014290.13
As of 20.06.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD125001270012643.91
EUR130001390013575.77
GBP155001650016096.96
JPY709080.1
CHF135001450014290.13
As of 20.06.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD126101270012643.91
EUR130001390013575.77
GBP155001650016096.96
JPY709080.1
CHF135001450014290.13
As of 20.06.2024 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD126201270012643.91
As of 20.06.2024 09:00:00

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