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You may bequeath your deposit funds to your relatives. To do so, your will must be officially certified by a notary.
Creation of a" continuous chain "of comprehensive support for the development of entrepreneurship
Cash desk
To expand entrepreneurial activity
Up to 5 billion soums
loan amount
22%
-
annual rate
Up to 7 years
credit term
Transparent terms with Mikrokreditbank
No hidden fees or unexpected charges — you know everything in advance. Fair loans. Clear conditions. Trust proven by time.
Repay your loan easily and conveniently
Repay your loan on schedule or early in any way that’s convenient for you — via the mobile app, internet banking, ATMs, or bank branches. Fast and with no commission.
A reliable partner in your growth
Mikrokreditbank — nearly 20 years of steady work for the benefit of entrepreneurs and families.
Learn more about the loan
Credit term
Up to 7 years
Currency
Sum (UZS)
Interest rate
22%
Loan amount
Up to 5 billion soums
Loan target
To expand your business activities
Submission form
-
Frequency of payments
Monthly
Repayment method
-
Loan processing method
Bank branch
Grace period
Yes (Up to 12 months)
Collateral
-
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N/A |
Terms of granting a loan (lease) |
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|
1 |
Recipients of a loan (lease) |
Small and medium-sized businesses (entrepreneurs are classified in accordance with the Decree of the President of the Republic of UzbekistanNo. UP-21 dated February 10, 2023) |
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2 |
Purpose of the loan (lease) |
To expand your business activities |
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3 |
Areas where credit (leasing)allocation is prohibited |
organization of production of alcohol and tobacco products and (or) their marketing; repayment of a previously received loan (lease) or any other debt; organization of activities of insurance companies; purchase of passenger cars that are not involved in production for projects where assistance is provided |
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4 |
Currency of the loan (lease) |
National currency / Foreign currency |
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5 |
Term of the loan (lease) |
Up to 84 months Up to 24 months (for working capital) |
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6 |
Grace period for principal repayment |
Up to 12 months |
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7 |
Maximum loan (lease)amount |
For small businesses: The company's interest rate in national and foreign currency and bank margin of up to 1.5 billion rubles. soums are allocated at the added rate. |
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For medium-sized businesses: The company's rate in national and foreign currency and bank margin in the amount of up to 5 billion soums are allocated at the added rate. |
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8 |
Annual interest rate |
In national currency: 22% In foreign currency: The rate set by the Supervisory Board of JSC “Company for Business Development” + 3 percent |
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9 |
Submitted documents |
- application for a loan (leasing); - business plan. - a copy of the license or conclusion of the relevant organizations in cases where this is required for carrying out activities; - a copy of the purchase and sale agreement concluded for goods and products (services); - a copy of the import contract (when purchasing products abroad on credit); - conclusion on the compliance of prices for fixed assets purchased abroad in foreign currency with the global market situation; - original documents confirming the owners ' consent to receive the loan and provide it as collateral, if the borrower or the mortgagee is a legal entity; - a copy of the documents granting the right to operate and use the office building and structure; - documents on securing a loan (lease); - additional documents may be required when studying an application for a loan (lease). |
|
10 |
Borrower's own share of the project |
At least 30% |
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11 |
Procedure for payment of principal and interest |
Annuity or differential |
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12 |
Sources of funding |
At the expense of resources of JSC “Enterprise Development Company” |
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13 |
Security cost |
At least 125% of the loan amount |
|
14 |
Security type |
Based on the requirements of the regulations for the formation and execution of credit file documents in the Microkreditbank ATB system |
|
15 |
Borrower's ability to pay |
Based on the scoring requirements of the regulations for the formation and execution of credit file documents in the Microkreditbank ATB system |
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How to get a loan?
1
Fill out the application
The loan process begins by submitting an application online or at one of the bank’s branches (BXO/BXM)
2
Wait for the decision
Your application will be reviewed within 3 (three) banking days. Prepare the required documents. The manager will contact you, clarify the details, and schedule a meeting
Receive the loan
Once your application is approved, all loan documents will be finalized, and the funds will be transferred to your account
Apply for a loan at the nearest branch
Tashkent
Andijan region
Bukhara region
Djizak region
Fergana region
Kashkadarya region
Khorezm region
Namangan region
Navoi region
Republic of Karakalpakstan
Samarkand region
Sirdarya region
Surkhandarya region
Tashkent region
Credit application
Fill in contact details
After sending, our manager will contact you.
After sending, our manager will contact you.
FAQs
Can I bequeath my deposit funds to my relatives?
I want to take out a mortgage loan. Can third party pensions be added to total income in addition to my salary?
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
Can I repay an online loan in cash through a bank cash desk and ahead of schedule?
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
What are the loan repayment methods?
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
What does the loan repayment include?
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 haqida tushuncha bersangiz?
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.
Isteʼmol krediti shartlari qanaqa?
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.
Taʼlim krediti olish uchun nima hujjatlar talab qilinadi?
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.
Taʼlim krediti to‘g‘risida tushuncha bersangiz?
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 kredit olish tartiblari haqida tushuncha bersangiz?
"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.
Oilaviy tadbirkorlik faoliyatimni boshlash uchun imtiyozli kredit olmoqchiman, qayerga murojaat qilishim mumkin?
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.
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Mobile Banking
The "Mobile Banking" service is a convenient, secure, and modern solution for managing your business and finances!
Install the MKBANK mobile app from the service that’s convenient for you:
Available in Google Play
Download to App StoreMKBANK Mobile App for Business
Scan the QR code with your smartphone for quick access to all bank services
Have questions or need a consultation?
Available in Google PlayDownload to App StoreMAVRID Mobile App for Retail Customers
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Available in Google PlayDownload to App StoreMKBANK Mobile App for Business
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Mobile App
With the mobile app, you can access all banking services 24/7 — fast, convenient, and secure, right from your home!
