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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. |
Lending Terms |
|
|
1 |
Borrowers |
Small and medium-sized business entities with a positive credit history* (where founders hold 50% or more of shares and/or are led by women). |
|
2 |
Purpose of the Loan |
To expand entrepreneurial activities |
|
3 |
Loan Currency |
National currency |
|
4 |
Loan Term (depending on project repayment capability) |
Up to 84 months (Up to 24 months for working capital) (Proportional to the period of allocated funds) |
|
5 |
Grace Period for Principal Repayment (depending on project repayment capability) |
Up to 24 months, (Up to 6 months for working capital) |
|
6 |
Maximum Loan Amount |
Provided at least 2 jobs are created (also applicable to newly established business entities): Up to 1,000 times the BHM (up to 50.0 mln UZS in cash). For business entities operating at least 6 months and having increased account turnover in the last 6 months, with creation of at least 5 jobs: Up to 4,000 times the BHM (200.0 mln UZS in cash). |
|
7 |
Annual Interest Rate |
Central Bank rate + 6.5% (for working capital – Central Bank rate + 7.5%). |
|
8 |
Main Requirements |
Must have a positive credit history, including: - No more than 2 overdue debts exceeding 60 days; - No overdue debts exceeding 90 days within the last 24 months; - No principal or interest transferred to off-balance or court accounts; - KATM score of 200 or more; - No debts with the compulsory enforcement bureau; - No debts in the 2nd registry (account 90963); - Financial activity not ending in loss (based on F-2); - Balance not illiquid (Coverage ratio, Liquidity ratio, Autonomy ratio, Own working capital availability ratio); |
|
9 |
Non-financeable Areas |
Gambling halls and billiard clubs, production and/or sale of alcohol and tobacco products; Repayment of previously received loans (leasing) or other debts; Purchase of any homemade equipment; Other purposes prohibited by law. |
|
10 |
Required Documents |
Loan application; Business plan or cash flow forecast; Financial statements (Balance Sheet, Income Statement) Copy of sales/purchase agreements for goods or services; If the borrower or pledger is a legal entity, original documents confirming owners’ consent to take a loan and provide collateral; Copies of documents granting the right to use office premises; Loan collateral documents; Additional documents may be required during loan application review. |
|
11 |
Type of Collateral |
a) For projects up to 100 mln UZS – loan provided without collateral; b) For projects above 100 mln UZS – according to “Mikrokreditbank” regulations on forming loan files and document processing. Guarantee of “Entrepreneurship Development Company” JSC. |
|
12 |
Collateral Value |
At least 125% of the loan amount |
|
13 |
Borrower’s Repayment Capacity |
Based on scoring requirements defined in “Mikrokreditbank” regulations on forming loan files and document processing. |
* Positive credit history – Entrepreneurial entities that have not previously used credit are considered to have a positive credit history.
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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