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Basic parameters and terms of lending |
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1.1. |
Features of consumer credit |
Term loan |
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1.2. |
Name of loan product |
Microloan |
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1.3. |
Requirements for citizenship and employment of a citizen |
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1.4. |
Purpose of the loan product |
Does not apply |
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1.5. |
Loan currency |
In national currency; Sum (UZS) |
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1.6. |
Loan term |
The maximum loan term - 36 (thirty six) months |
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1.7. |
Interest rate |
Interest rate |
1-12 months |
13-24 months |
25-36 months |
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For borrowers with an official income |
27% |
28% |
28,5% |
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For individuals without an official income, individual entrepreneurs (without legal status) and self-employed individuals |
28% |
29% |
29% |
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1.8. |
Conditions for consideration of the loan application submitted by the borrower and decision making on this application |
Up to 3 (three) working days (with the submission of a complete set of documents) |
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1.9 |
Minimum loan amount |
20,000,000.00 (twenty million) UZS |
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1.10. |
Maximum loan amount |
100,000,000.00 (one hundred million) UZS |
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1.11. |
A set of required documents |
Identity document and equivalent documents |
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1.12. |
Financial contribution of the borrower |
Not required |
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1.13. |
Type of provision (collateral) |
• Property that meets the requirements of the bank (vehicle, real estate and other personal properties) • A borrower with an official income and a positive loan history can be granted a microloan with the guarantorship of an individual with an official income and a positive loan history. |
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1.14. |
Requirements for borrower |
• Age from 21 to 60 years at the period of loan repayment; • No negative loan history; • The debt burden (load) should not exceed 50% of the average monthly income |
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1.15. |
Requirements for the co-borrower and/or guarantor |
• Age from 21 to 60 years at the period of loan repayment; • No negative loan history; • The debt burden (load) should not exceed 50% of the average monthly income |
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1.16. |
Credit allocation form |
The microloan is disbursed by transfer to the issued bank card |
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1.17. |
Validity of the loan decision |
30 (thirty) days |
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1.18. |
Periodicity of interim payments |
Monthly |
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1.19. |
Form of calculation of interim payments |
Annuity or differentiated payment |
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