No hidden fees or unexpected charges — you know everything in advance. Fair loans. Clear conditions. Trust proven by time.
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.
Mikrokreditbank — nearly 20 years of steady work for the benefit of entrepreneurs and families.
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No. |
Loan Terms |
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1 |
Borrowers |
Individual entrepreneurs and legal entities |
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2 |
Loan Purpose |
For working capital for entrepreneurial needs |
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3 |
Loan Currency |
National and foreign currency (USD) |
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4 |
Loan Term |
Up to 36 months |
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5 |
Grace Period on Principal Repayment |
For loans up to 12 months – up to 1 month, For loans up to 24 months – up to 2 months, For loans up to 36 months – up to 6 months. |
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6 |
Loan Amount |
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7 |
Annual Interest Rate (minimum) |
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8 |
Credit History and Financial Condition |
1) In the last 24 months, no more than 3 overdue debts exceeding 90 days on previous or existing loans.
2) No overdue debts or "2nd card" liabilities on existing loans; 3) Borrower's management and founders should not have overdue loans in companies they established or manage. |
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9 |
Existing Operations |
Business activity must have started or be ongoing, verified by bank's regional staff on-site. |
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10 |
Loan Disbursement Method |
Transferred to the borrower's account |
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11 |
Targeted Use of Loan |
Verification of targeted use of the loan is not required |
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12 |
Required Documents* |
- Loan application; - Forecast of planned cash flows; - Original documents confirming consent of owners for credit and collateral if borrower or pledger is a legal entity; - Copy of documents granting the right to conduct operations and use office premises; - Loan collateral documents as per “Mikrokreditbank” ATB regulations. |
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13 |
Collateral Value |
At least 125% of the loan amount |
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14 |
Type of Collateral |
Light and motor vehicles not older than 5 years; Special vehicles not older than 3 years; Real estate; Jewelry; Deposit funds. |
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15 |
Special Conditions |
Clients with more than 3 overdue payments over 30 days can use the loan again only after full settlement and 2 years have passed. |
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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:
Source: Finlit.uz
When repaying a loan, the borrower returns:
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.
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;
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:
Har bir jarayon boʼyicha, elektron SMS-xabarnoma keladi.
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