Consumer Loan

Parameters and terms of 
Consumer Loan Product

 
1.1. Features of consumer loan Term loan
1.2. Name of the loan product     «Consumer loan»
1.3. Citizenship requirement Resident of the Republic of Uzbekistan
1.4. Requirement for the employment of the citizen

Individuals with official income (who have permanent employment and receive their salary through a payroll project).
1.5. Purpose of the loan product A consumer loan is provided to customers to meet their consumption needs, such as purchasing goods (works, services), including:
• buying consumer goods (household items, home appliances, furniture, inferior decorations, etc.);
• purchasing construction materials and/or paying for home renovation services related to housing repairs;
• other consumer purposes
1.6. Loan currency In national currency: UZS
1.7. Loan term Maximum loan term without grace period - 36 (thirty six) months
1.8. Interest rate (per annum) 1-12 months –25,5 %
13-24 months - 26,0 %
25-36 months - 28,0 %
1.9. Conditions for considering a loan application submitted by a borrower and making a decision on this application Up to 5 (five) working days (with the submission of a complete set of 
1.10. Minimum loan amount 25.000.000 UZS
1.11. Maximum loan amount  Up to 400 basic calculation values
1.12. A set of necessary documents
  • Original copy of passport of applicant and co-borrower;
  • Contract of sale of consumer goods.
1.13. Type of provision (collateral)
  • Property collateral not less than 115% of the loan amount.
1.14. Requirements for the borrower
  • From 21 to 60 years of age during the loan repayment period.
  • No negative credit history;
  • Absence of overdue debts in banks and/or credit institutions;
  • 60% of the client's average monthly income should be sufficient for the new loan and existing loan payments and other mandatory payments.
1.15. Requirements for co-borrower
  • From 21 to 60 years of age during the loan repayment period.
  • No negative credit history;
  • Absence of overdue debts in banks and/or credit institutions;
  • 60% of the combined average net income of the borrower and co-borrower must be sufficient to cover the highest monthly loan repayment and the average monthly payment for all existing loans and other liabilities.
1.16. Loan allocation form Transferring funds to the supplier's or service provider's account in non-cash form, based on a contract, at the bank office (offline).
1.17. The validity period of the decision on the loan issuance 30 (thirty) months
1.18 Periodicity of interim  payments Monthly
1.19. Payment method Annuity or differentiated payment

0,00 UZS
1/9/2025