Memorandum was signed between Mikrokreditbank and UZCARD
According to the memorandum, it is planned to introduce credit cards, open a virtual card and introduce several innovations
On May 24, 2023, between the Deputy Chairman of the Board of the Joint-Stock Commercial Bank "Mikrokreditbank" I. Djumaniyazov and the Director of the "United Republic of Processing ...
Microloan "Ommabop" (via the "Mavrid" application)
... application for microloan. At the same time, the customer gets acquainted with the electronic Offer Agreement and signs it electronically.
“On-line” microloans are issued for up to 3 months.
24% annual
Only 50% of the amount of your monthly salary is credited to your plastic card, based on scoring analysis, and deducting one month's monthly loan payments.
Without the need to submit documents to the Bank, the customer must electronically approve the Offer Agreement.
This type of the credit is not given if customers have an ...
Omonat Card
... amount.
Additional contributions are accepted only in cash via bank branches;
Incoming transfers (P2P) from other cards or sources to the deposit card are prohibited;
Only accrued interest and deposit amounts (at term-end or early withdrawal) can be credited to the deposit card;
All spending operations are allowed within the available card balance;
Withdrawal of the deposit and interest at the end of the term – free of charge;
Withdrawal of accrued interest and principal before or at term-end via MKB ATMs or bank branches ...
"Mahalla-Business" microloan product
... 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 3 months)
6.
Term and annual interest rate of microloan
up to 48 months
...
Mobile app
... mobile phone, can manage his account and track its status.
"Mavrid" mobile application provides reliable and safe service to users.
It includes following facilities:
— free p2p transfers up to 5 million soums;
— ordering and managing a credit card online;
— opportunity of using both deposit and credit services.
The app offers you with 24/7 convenience.
System Capabilities:
payment for the services of mobile operators and city telephony;
payments for the services of Internet providers and ...
Loan my makhalla
...
The targeted use of the allocated loan is not subject to verification
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Documents Required from the Borrower
Individuals:
ID card or passport;
Self-employment certificate;
Documents for microloan collateral.
Entrepreneurial entities:
Application;
Business ... ... types of collateral.
(Loan collateral requirements are regulated by the rules of JSCB "Microcreditbank" for forming credit dossiers and processing documents.)
15
Loan Collateral
Collateral must cover at least 125% of the loan amount
16
Additional ...
Other services
... additional funds in soums for covering commissions;
Submit to the bank a completed application form for opening a letter of credit;
Provide an import contract to the bank.
To Open a Current Account in Foreign Currency, the Legal Entity Must Provide the ... ... Association (copy);
Licenses (if any);
Passport of authorized persons - original (director and chief accountant);
Signature sample cards (issued at the Bank);
Profiles.
List of Correspondent Banks of JSCB Microcreditbank (SWIFT: MICDUZ22):
Nostro Accounts
Other services
... additional funds in soums for covering commissions;
Submit to the bank a completed application form for opening a letter of credit;
Provide an import contract to the bank.
To Open a Current Account in Foreign Currency, the Legal Entity Must Provide the ... ... Association (copy);
Licenses (if any);
Passport of authorized persons - original (director and chief accountant);
Signature sample cards (issued at the Bank);
Profiles.
List of Correspondent Banks of JSCB Microcreditbank (SWIFT: MICDUZ22):
Nostro Accounts
For the development of agriculture
...
13
Borrower
's solvency Based on the scoring requirements established by the regulations for the formation and execution of credit files in the system of JSCB "Mikrokreditbank"
14
Special conditions
When creating new jobs in the current year ... ... and hiring employees, the current loan interest rate is reduced by the following amount (my.mehnat.uz salary handbook and bank cards):
- From 5 to 10 jobs-1 percent;
- From 10 to 20 jobs-1.5 percent;
- 20 or more jobs-2 percent.
Microloan "Mening mahallam"
... issuance
In cash or by transfer to bank cards (including virtual cards)
12
Documents provided by the borrower
For individuals:
- ID card or passport (for military personnel, a military ID and a copy of the passport are required);
- Certificate of self-employment;
... ... loan security
Guarantee, insurance policy;
other types of security.
(Collateral requirements are regulated according to the credit dossier formation rules of the Microkreditbank system)
14
Loan coverage
Security of at least 125% of the loan amount
15
...
