LoansNashr uchun talqin
The microloan is disbursed in cash or by transferring to a borrower's plastic card in the national currency for a period of 12 months up to 50 million soums.
In cash: up to 12 months - in the amount of not less than 28% per annum
By plastic card: up to 12 months - in the amount of not less than 27% per annum
For employees of the budget organization, which are owners of plastic cards with salaries opened in the Microcreditbank ATB system: up to 18 months – not less than 22 percent per annum (by plastic card)
Online microcredit - a type of remote lending to plastic cards opened by JSCB "Microcreditbank" in the framework of the salary project.
Online microloan is issued by the bank in cashless form to the bank card through the application "MKB Mobile" in the national currency - "soum" for a period of up to 3 months.
The main part of the online microloan is issued on the condition of repayment on the last thirtieth day of use. In this case, the bank must be used within 3 working days after the approval of the offer by the client, if not used by the client, the contract is terminated the next day.
Online microloan annual percentage rate: 24%
Issued for up to 3 months.
Basic requirements for obtaining a loan:
1. The debtor has no overdue debts on other loans
2. To have a continuous salary receipt by bank card for the last 4 months
Overdraft is provided to employees of enterprises and organizations serviced by the Mikrokreditbank of Uzbekistan to salary plastic cards for personal needs.
Terms of loan
For employees of the budget organization, which are owners of plastic cards with salaries opened in the Microcreditbank ATB system: up to 12 months – an annual rate of not less than 22 percent
Terms of loan
Loan period - 12-36 months;
– Amount of loan - up to 150-fold minimum wages.
For employees of the budget organization, which are owners of plastic cards with salaries opened in the Microcreditbank ATB system: up to 36 months – an annual rate of not less than 20 percent
Items subject to loan
Loans are provided for consumer needs in the following types of goods and services within the Republic of Uzbekistan:
Terms of loan
The bank provides mortgage loans for the purchase of apartments in multi-storey buildings in the primary market at its own expense:
Loan term - 5-7 years (initial payment 25%);
Loan interest rate - for 5 years - not less than 23%, for 7 years - not less than 24%
List of required documents:
– copy of passport (or passport replacement document);
– documents confirming the financial condition of the debtor and partner debtors (income statement for the last 12 months);
– initial purchase and sale agreement;
– extract from the statement of the regional commission on the attachment of the apartment to the applicant (for apartments in multi-storey affordable housing);
Mortgage loans for the construction and reconstruction of individual housing
Purpose of the loan: For construction and reconstruction of individual houses. At the same time, loans are provided to individuals for the construction and reconstruction of individual housing on land plots allocated for housing construction in the manner prescribed by law.
Loan term: up to 20 years
Grace period for principal (in the case of differential payment): up to 6 months
Interest rate: 18% per annum
Starting fee: in all regions - 15%
Form of loan repayment: Annuity / differential
Maximum loan amount:
General requirements for the client:
Documents submitted by the borrower:
Car loans are provided to citizens of the Republic of Uzbekistan on the following conditions for the purchase of auto transport:
Loan term: for a period of up to 3 years without the right to extend the term;
Initial payment: not less than 30% of the vehicle's value.
For employees of the budget organization, which are owners of plastic cards with salaries opened in the Microcreditbank ATB system: up to 48 months – an annual rate of not less than 20 percent
Students of Universities recommended or accepted to study on the basis of payment-contract in the direction of Bachelor's degree and master's degree are given a training loan in the form of full-time education, as well as to citizens of the Republic of Uzbekistan.
In the amount of at least 125% of the loan amount, the following types of collateral can be stipulated:
Attention! All types of loans are classified on the basis of the borrower's solvency.
Updated on 17.09.2021
Department of Consumer Protection of Banking Services:
Telefon: +998 71 202-99-99
1285 (internal 1299)