Loans

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11940

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12050

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Currency	Purchase	Sale	CBU
USD	11940	12050	11994.1
EUR	13000	13700	13420.2
RUB		155	145.79
GBP	15500	16500	16087.69
CHF	14000	15000	14651.97
JPY	50	100	75.93

Rate valid as of 10.11.2026 09:00:00

1285, +998 55 503-63-63

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MY BANK

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Funds for any business purposes

The bank offers a wide range of credit solutions for legal entities - from working capital to investment projects. An individual approach, flexible terms and prompt consideration of applications help you achieve your goals and develop your business with confidence.

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Investment

Small business entities, including farm enterprises, young entrepreneurs engaged in or wishing to start entrepreneurial activities in the field of agriculture

350 thousand US dollars

Loan amount

up to 10 years

Credit term

from 10%

Annual rate

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Detail

Microcredit

Individual entrepreneurs and legal entities engaged in entrepreneurial activities in trade and services

Up to 300 million soums

Loan amount

Up to 24 months

Credit term

From 24%

Annual rate

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Detail

Investment

Individual entrepreneurs and legal entities that are business entities

5 billion soums

Loan amount

up to 36 months

Credit term

21%

Annual rate

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Detail

Working Capital

For private entrepreneurs, dehkan farms and legal entities that are small business entities.

cost of the project

Loan amount

up to 36 months

Credit term

from 25%

Annual rate

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Detail

Microcredit

For private entrepreneurs, dehkan farms and legal entities that are small business entities.

cost of the project

Loan amount

up to 60 months

Credit term

from 25%

Annual rate

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Detail

Microcredit

For private entrepreneurs, dehkan farms and legal entities that are small business entities.

up to 100 million soums

Loan amount

up to 12 monts

Credit term

26%

Annual rate

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Detail

Overdraft

Legal entities that are small business entities.

up to 2 billion sums

Loan amount

up to 12 monts

Credit term

from 25%

Annual rate

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Detail

Working Capital

To all legal entities.

according contract

Loan amount

up to 60 days

Credit term

from 25%

Annual rate

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Detail

Investment

Business entities operating in industry or in the service sector.

Temporarily suspended

cost of the project

Loan amount

up to 84 months

Credit term

14%

Annual rate

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Detail

Project Financing

Borrowers: enterprises engaged in export activities.

cost of the project

Loan amount

up to 12 monts

Credit term

Annual rate

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Detail

Microcredit

As part of the continuous support program for small businesses (RP-312).

up to 300 million UZS

Loan amount

up to 84 months.

Credit term

from 19%

Annual rate

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Detail

Microcredit

Entrepreneurs engaged in homeworking activities

Up to 300 million soums

Loan amount

3 years

Credit term

17,5%

Annual rate

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Detail

Working Capital

Individual entrepreneurs and legal entities that are business entities operating in the field of trade, services and production (at least 3 months of activity)

Up to 1 billion soums

Loan amount

Up to 24 months

Credit term

from 27%

Annual rate

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Detail

Working Capital

To increase working capital for the purpose of providing microfinance services by a microfinance organization

Based on the cost of the project

Loan amount

Up to 36 months

Credit term

24%

Annual rate

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Detail

Microcredit

To expand entrepreneurial activity

Up to 5 billion soums

Loan amount

Up to 7 years

Credit term

22%

Annual rate

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Detail

Working Capital

Individual entrepreneurs, dekhkan farms and legal entities that are business entities

Based on the cost of the project

Loan amount

Up to 36 months

Credit term

from 25%

Annual rate

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Detail

Investment

Legal entities that are business entities, as well as individual entrepreneurs, agricultural enterprises operating without forming a legal entity

Based on the project cost

Loan amount

Up to 60 months

Credit term

from 25%

Annual rate

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Detail

Auto loan

For the purchase of motor vehicles from both the primary and secondary markets.

Up to UZS 5,000.0 million

Loan amount

Up to 84 months

Credit term

Annual rate

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Detail

Working Capital

For working capital for entrepreneurial needs

Up to 250 thousand US dollars

Loan amount

Up to 36 months

Credit term

From 26.9%

Annual rate

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Detail

Microcredit

Small and medium-sized enterprises with a positive credit history* (the share of women among the founders is 50 percent or more and (or) they are headed by women).

up to 25,000 BCV

Loan amount

up to 84 months

Credit term

20,5%

Annual rate

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Detail

Project Financing

Credit allocated to business entities based on Decree No. UP-108 for the purpose of renewing outdated orchards and creating industrial orchards.

Liquid assets and other types of collateral.

Up to 120.0 million soums per hectare based on the project cost

Loan amount

up to 84 months

Credit term

14%

Annual rate

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Detail

Microcredit

For the purpose of developing entrepreneurship in mahallas: purchasing equipment and fixed assets; replenishing working capital.

up to 50.0 million soums

Loan amount

up to 48 months

Credit term

24%-25%

Annual rate

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Detail

Microcredit

For any purpose in accordance with the legislation of the Republic of Uzbekistan on the development of entrepreneurship in mahallas.

Up to UZS 100 million

Loan amount

Up to 60 months.

Credit term

24%-25%

Annual rate

Issue a loan

Detail

Loan comparison table

	IFAD project “Diversification and Modernization of Agriculture of the Republic of Uzbekistan”	“Green energy”	Financing from Young Entrepreneurs Support Fund	For the development of agriculture
Annual rate	from 10%	21%	14%	from 25%
Loan amount	350 thousand US dollars	5 billion soums	cost of the project	Based on the project cost
Credit term	up to 10 years	up to 36 months	up to 84 months	Up to 60 months
Loan target	Financing of investment projects and replenishment of working capital in all sectors (except for the cultivation of cotton and wheat) of agriculture	Financing projects for the purchase and installation of renewable energy sources, the introduction of energy-saving technologies and the improvement of the energy efficiency of production processes	Financing investment projects in industry or services	Organization of greenhouses, development of agriculture, animal husbandry, poultry farming, fishing, beekeeping and horticulture
Loan processing method	At the exchange office	At the exchange office	At the exchange office	At the exchange office
Submission form	Transfer to the seller's bank account	Transfer to the seller's bank account	Transfer to the seller's bank account	-
	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail

	Loans for replenishment of working capital	Salary Loan	Business partner	Partnership microfinance organization	For construction and repair	“Ekspress hamkor” Loan
Annual rate	from 25%	from 25%	from 27%	24%	from 25%	From 26.9%
Loan amount	cost of the project	according contract	Up to 1 billion soums	Based on the cost of the project	Based on the cost of the project	Up to 250 thousand US dollars
Credit term	up to 36 months	up to 60 days	Up to 24 months	Up to 36 months	Up to 36 months	Up to 36 months
Loan target	Loans for replenishment of working capital	Salary Loan	To working capital for business needs	To increase working capital for the purpose of providing microfinance services by a microfinance organization	Carrying out construction and repair work and replenishing working capital	For working capital needs of the business
Loan processing method	At the exchange office	At the exchange office	At the exchange office	At the exchange office	At the exchange office	At the exchange office
Submission form	Transfer to the seller's bank account	Transfer to the seller's bank account	-	-	-	Transfer to the supplier’s account
	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail

	Financing from Export Promotion Agency	Industrial garden loan
Annual rate	4%	14%
Loan amount	cost of the project	Up to 120.0 million soums per hectare based on the project cost
Credit term	up to 12 monts	up to 84 months
Loan target	Financing of trade operations related to exports	Renovation of outdated orchards and creation of industrial orchards based on orchard creation documents in accordance with Decree No. UP-108
Loan processing method	At the exchange office	At the exchange office
Submission form	Transfer to the seller's bank account	Transfer to the seller's bank account
	Issue a loan Detail	Issue a loan Detail

	Business overdraft
Annual rate	from 25%
Loan amount	up to 2 billion sums
Credit term	up to 12 monts
Loan target	overdraft
Loan processing method	At the exchange office
Submission form	Transfer to the seller's bank account
	Issue a loan Detail

	Microcredit in cash	Loans for forming working capital, for purchase of equipments and inventories	Business online-2	Credit "IMKONIYAT"	For arranging light-weight premises for homeworkers	Creation of a" continuous chain "of comprehensive support for the development of entrepreneurship	“Hamroh” Loan	Microloan "Mening mahallam"	“Mening mahallam-2” Microloan
Annual rate	From 24%	from 25%	26%	from 19%	17,5%	22%	20,5%	24%-25%	24%-25%
Loan amount	Up to 300 million soums	cost of the project	up to 100 million soums	up to 300 million UZS	Up to 300 million soums	Up to 5 billion soums	up to 25,000 BCV	up to 50.0 million soums	Up to UZS 100 million
Credit term	Up to 24 months	up to 60 months	up to 12 monts	up to 84 months.	3 years	Up to 7 years	up to 84 months	up to 48 months	Up to 60 months.
Loan target	For the needs of entrepreneurial activity (replenishment of working capital)	for forming working capital, for purchase of equipments and inventories	For any needs	For the expansion of entrepreneurial activity.	Organization of lightly constructed places for the purpose of organizing and developing homeworking activities	To expand your business activities	In order to expand entrepreneurial activity	For the purpose of developing entrepreneurship in mahallas: purchasing equipment and fixed assets; replenishing working capital.	For any purpose in accordance with the legislation of the Republic of Uzbekistan on the development of entrepreneurship in mahallas.
Loan processing method	At the exchange office	At the exchange office	At the exchange office		At the exchange office	At the exchange office	At the exchange office	At the exchange office	At the exchange office
Submission form	Cash, By crediting to the card, Transfer to the seller's bank account	Transfer to the seller's bank account	Transfer to the seller's bank account	-	-	-	Cash, By crediting to the card	-	-
	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail	Issue a loan Detail

	“Avto Express” Loan
Annual rate	0%
Loan amount	Up to UZS 5,000.0 million
Credit term	Up to 84 months
Loan target	For the purchase of motor vehicles from both the primary and secondary markets.
Loan processing method	At the exchange office
Submission form	-
	Issue a loan Detail

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FAQs

You may bequeath your deposit funds to your relatives. To do so, your will must be officially certified by a notary.

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

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

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

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 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.

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.

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.

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 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.

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.