Rates and conditions are taken from the banks’ websites and may change; some loans have limited-time promotions. This is reference information, not a bank offer: the final rate, amount and term depend on the bank’s decision and the borrower’s profile, so check the terms with the bank before applying. The rate in the table is for the main case: the base term (36 months; 120 for mortgages, 12 for microloans and installment plans), the minimum amount, no salary-client discounts; rates for other terms, amounts and client categories are on the bank’s page.
A loan may not actually be available to apply for, and the data on the bank’s website may be out of date. Check availability and terms in the bank’s app, at a bank office or through its call center.
Consumer loans
Consumer loan
Purpose
Goods and services: household and computer appliances, furniture, treatment and rest in sanatoriums, tours, weddings and anniversaries, energy-efficient equipment, payment of a tuition contract
Available to
Citizens of Uzbekistan with official income over the last 6 months
Rate (main case)
28%/year28% per annum for 36 monthsclient with official income, term over 24 up to 48 mo.; 26% for the payroll project
Lowest rate
24%/yearfrom 24%payroll project, term up to 24 months
Highest rate
30%/yearup to 30%client with official income, term up to 60 months
Minimum amount
1 000 000 UZSfrom 1 mln UZSmin_amount value from the card API
Maximum amount
up to 200 BCVin the API max_amount = 100 mln UZS; in the page text — up to 200 base calculation units
Loan term
up to 60 mo.
Proof of income
yes
Decision time
15 minutes
Rates by term, amount and client category
Term
Amount
Clients
Rate
24 mo.
—
all clients
26%/yearclient with official income
24 mo.
—
salary clients
24%/yearclient in the payroll project
25–48 mo.
—
all clients
28%/yearclient with official income
25–48 mo.
—
salary clients
26%/yearclient in the payroll project
49–60 mo.
—
all clients
30%/yearclient with official income
49–60 mo.
—
salary clients
28%/yearclient in the payroll project
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Auto loans
Auto loan UzAuto Motors
Purpose
Purchase of passenger cars produced by JSC “UzAuto Motors” (Damas, Onix, Labo, Captiva, Tracker, Tahoe) on the primary market
Available to
Citizens of Uzbekistan aged 18-65; processed at Asakabank banking service centers or at UzAuto Motors dealers
Rate (main case)
0%/year0% per annum for 36 months with a 25% contributionper the calculator on the page; modifications at non-discounted prices are included (contracts of the «SB» batch)
Lowest rate
0%/yearfrom 0%
Highest rate
0%/year0% per calculator
Minimum amount
50 000 000 UZSfrom 50 mln UZSmin_amount value from the card API
Maximum amount
1 000 000 000 UZSno more than 80% of the value; with official income, up to 2 loans with a total amount of up to 1 bn UZSIn API max_amount = 500 mln
Loan term
12–60 mo.
Down payment
25%at least 25% of the car’s value
Collateral
yes
Accepted as collateral
car
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12 mo.
—
25.0%
0%/yearper the calculator; rate 0% even without official income
14 mo.
—
30.0%
0%/yearper the calculator; rate 0% even without official income
16 mo.
—
25.0%
0%/yearper the calculator; rate 0% even without official income
16 mo.
—
40.0%
0%/yearper the calculator; rate 0% even without official income
18 mo.
—
30.0%
0%/yearper the calculator; rate 0% even without official income
22 mo.
—
50.0%
0%/yearper the calculator; rate 0% even without official income
24 mo.
—
40.0%
0%/yearper the calculator; rate 0% even without official income
24 mo.
—
60.0%
0%/yearper the calculator; rate 0% even without official income
30 mo.
—
50.0%
0%/yearper the calculator; rate 0% even without official income
36 mo.
—
25.0%
0%/yearper the calculator; rate 0% even without official income
36 mo.
—
60.0%
0%/yearper the calculator; rate 0% even without official income
40 mo.
—
30.0%
0%/yearper the calculator; rate 0% even without official income
48 mo.
—
40.0%
0%/yearper the calculator; rate 0% even without official income
60 mo.
—
50.0%
0%/yearper the calculator; rate 0% even without official income
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
ADM Global III
Purpose
Purchase of Kia cars produced by ADM Jizzakh (Kia Cerato, Seltos PE, Carens, Carens PE, K5, K5C, Sportage, Sorento PE, EV6, K9) on the primary market
Available to
Citizens of Uzbekistan aged 18-65 (21 years — without an official income); application through Asakabank banking service centers or Kia dealers
Rate (main case)
8.5%/year8,5% per annum for 36 months with a 20% down paymentper the calculator on the page: client with official income, down payment 20%, term 36 mo.
Lowest rate
0%/yearfrom 0%“from 0 %” on the card; zero rates in the calculator with a high down payment and a short term
Highest rate
15.5%/yearup to 15,5%term 60 mo., down payment 20%
Minimum amount
10 000 000 UZSfrom 10 mln UZSmin_amount value from the card API
Maximum amount
1 000 000 000 UZSno more than 80% of the cost; with official income up to 2 loans with a total amount of up to 1 bn UZS; without official income 1 loan up to 750 mln UZSIn the API max_amount is lower (100 mln–1 bn) — the page states otherwise
Loan term
up to 60 mo.
Down payment
20%at least 20% of the car’s value
Collateral
yes
Accepted as collateral
car
Guarantor
yes
Proof of income
no
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
24 mo.
—
30.0%
all clients
0%/year
24 mo.
—
30.0%
special category
0%/yearwithout official income
30 mo.
—
40.0%
all clients
0%/year
30 mo.
—
40.0%
special category
0%/yearwithout official income
36 mo.
—
20.0%
all clients
8.5%/year
36 mo.
—
30.0%
all clients
5.5%/year
36 mo.
—
30.0%
special category
6.5%/yearwithout official income
36 mo.
—
50.0%
all clients
0%/year
36 mo.
—
50.0%
special category
0%/yearwithout official income
48 mo.
—
20.0%
all clients
12.5%/year
48 mo.
—
30.0%
all clients
10.5%/year
48 mo.
—
30.0%
special category
11.5%/yearwithout official income
48 mo.
—
50.0%
all clients
3.5%/year
48 mo.
—
50.0%
special category
4.5%/yearwithout official income
48 mo.
—
60.0%
all clients
0%/year
48 mo.
—
60.0%
special category
0%/yearwithout official income
60 mo.
—
20.0%
all clients
15.5%/year
60 mo.
—
30.0%
all clients
13.5%/year
60 mo.
—
30.0%
special category
14.5%/yearwithout official income
60 mo.
—
50.0%
all clients
6.5%/year
60 mo.
—
50.0%
special category
7.5%/yearwithout official income
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
ADM Global II
Purpose
Purchase of Kia cars produced by ADM Jizzakh (Kia Sorento PE, K5C, K9, Seltos PE, Sportage PE, Bongo) on the primary market
Available to
Citizens of Uzbekistan aged 18-65 (21 years — without an official income); application through Asakabank banking service centers or Kia dealers
Rate (main case)
14.5%/year14,5% per annum for 36 months with a 20% down paymentper the calculator on the page: client with official income, down payment 20%, term 36 mo.
Lowest rate
0%/yearfrom 0%“from 0 %” on the card; zero rates in the calculator with a high down payment and a short term
Highest rate
19.5%/yearup to 19,5%term 60 mo., down payment 20%
Minimum amount
10 000 000 UZSfrom 10 mln UZSmin_amount value from the card API
Maximum amount
1 000 000 000 UZSno more than 80% of the cost; with official income up to 2 loans with a total amount of up to 1 bn UZS; without official income 1 loan up to 750 mln UZSIn the API max_amount is lower (100 mln–1 bn) — the page states otherwise
Loan term
up to 60 mo.
Down payment
20%at least 20% of the car’s value
Collateral
yes
Accepted as collateral
car
Guarantor
yes
Proof of income
no
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
16 mo.
—
30.0%
all clients
0%/year
16 mo.
—
30.0%
special category
0%/yearwithout official income
18 mo.
—
40.0%
all clients
0%/year
18 mo.
—
40.0%
special category
0%/yearwithout official income
24 mo.
—
20.0%
all clients
9.5%/year
24 mo.
—
30.0%
all clients
6.5%/year
24 mo.
—
30.0%
special category
7.5%/yearwithout official income
24 mo.
—
50.0%
all clients
0%/year
24 mo.
—
50.0%
special category
0%/yearwithout official income
36 mo.
—
20.0%
all clients
14.5%/year
36 mo.
—
30.0%
all clients
11.5%/year
36 mo.
—
30.0%
special category
12.5%/yearwithout official income
36 mo.
—
50.0%
all clients
4.5%/year
36 mo.
—
50.0%
special category
5.5%/yearwithout official income
36 mo.
—
60.0%
all clients
0%/year
36 mo.
—
60.0%
special category
0%/yearwithout official income
48 mo.
—
20.0%
all clients
17.5%/year
48 mo.
—
30.0%
all clients
15.5%/year
48 mo.
—
30.0%
special category
16.5%/yearwithout official income
48 mo.
—
50.0%
all clients
9.5%/year
48 mo.
—
50.0%
special category
10.5%/yearwithout official income
60 mo.
—
20.0%
all clients
19.5%/year
60 mo.
—
30.0%
all clients
17.5%/year
60 mo.
—
30.0%
special category
18.5%/yearwithout official income
60 mo.
—
50.0%
all clients
12.5%/year
60 mo.
—
50.0%
special category
13.5%/yearwithout official income
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
ADM Global I
Purpose
Purchase of Kia cars made by ADM Jizzakh (Kia Sonet (Classic, Luxe, Prestige, Black Edition), Carens (Premium Turbo, Luxe), Bongo, Carnival PE, K8 PE) on the primary market
Available to
Citizens of Uzbekistan aged 18-65 (21 years — without an official income); application through Asakabank banking service centers or Kia dealers
Rate (main case)
18%/year18,0% per annum for 36 months with a 20% down paymentper the calculator on the page: client with official income, down payment 20%, term 36 mo.
Lowest rate
0%/yearfrom 0%“from 0 %” on the card; zero rates in the calculator with a high down payment and a short term
Highest rate
22%/yearup to 22,0%term 60 mo., down payment 20%
Minimum amount
1 000 000 UZSfrom 1 mln UZSmin_amount value from the card API
Maximum amount
1 000 000 000 UZSno more than 80% of the cost; with official income up to 2 loans with a total amount of up to 1 bn UZS; without official income 1 loan up to 750 mln UZSIn the API max_amount is lower (100 mln–1 bn) — the page states otherwise
Loan term
up to 60 mo.
Down payment
20%at least 20% of the car’s value
Collateral
yes
Accepted as collateral
car
Guarantor
yes
Proof of income
no
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
12 mo.
—
30.0%
all clients
0%/year
12 mo.
—
30.0%
special category
0%/yearwithout official income
18 mo.
—
50.0%
all clients
0%/year
18 mo.
—
50.0%
special category
0%/yearwithout official income
24 mo.
—
20.0%
all clients
14%/year
24 mo.
—
30.0%
all clients
12%/year
24 mo.
—
30.0%
special category
13%/yearwithout official income
24 mo.
—
50.0%
all clients
4%/year
24 mo.
—
50.0%
special category
5%/yearwithout official income
24 mo.
—
60.0%
all clients
0%/year
24 mo.
—
60.0%
special category
0%/yearwithout official income
36 mo.
—
20.0%
all clients
18%/year
36 mo.
—
30.0%
all clients
16%/year
36 mo.
—
30.0%
special category
17%/yearwithout official income
36 mo.
—
50.0%
all clients
10%/year
36 mo.
—
50.0%
special category
11%/yearwithout official income
36 mo.
—
70.0%
all clients
0%/year
36 mo.
—
70.0%
special category
0%/yearwithout official income
48 mo.
—
20.0%
all clients
20%/year
48 mo.
—
30.0%
all clients
18%/year
48 mo.
—
30.0%
special category
19%/yearwithout official income
48 mo.
—
50.0%
all clients
14%/year
48 mo.
—
50.0%
special category
15%/yearwithout official income
60 mo.
—
20.0%
all clients
22%/year
60 mo.
—
30.0%
all clients
20%/year
60 mo.
—
30.0%
special category
21%/yearwithout official income
60 mo.
—
50.0%
all clients
16%/year
60 mo.
—
50.0%
special category
17%/yearwithout official income
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Auto loan 2.6
Purpose
Purchase of a new car (domestic and imported) on the primary market
Available to
Citizens of Uzbekistan aged 18-65 (21 years — without official income)
Rate (main case)
27.9%/year27,9% per annum for 36 months with a 20% down paymentper the calculator on the page: client with official income, 20% down payment, 36 mo. term; for a client with a bank card 1 p.p. lower
Lowest rate
18.9%/yearfrom 18,9%«from 18,9 %» on the loan card; the calculator minimum is 24,9% (down payment 50%, 36 mo., client with a bank card)
Highest rate
29.9%/yearup to 29,9%term 60 mo., contribution 20%, without a bank card
Minimum amount
1 000 000 UZSfrom 1 mln UZSmin_amount value from the card API
Maximum amount
1 000 000 000 UZSno more than 80% of the cost; with official income up to 2 loans with a total amount of up to 1 bn UZS; without official income 1 loan up to 750 mln UZS
Loan term
up to 60 mo.
Down payment
20%at least 20% of the car’s value
Collateral
yes
Accepted as collateral
car
Guarantor
yes
Proof of income
no
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
36 mo.
—
20.0%
all clients
27.9%/year
36 mo.
—
20.0%
special category
26.9%/yearclient with a bank card (the own_card flag in the calculator)
36 mo.
—
30.0%
all clients
26.9%/year
36 mo.
—
30.0%
special category
25.9%/yearclient with a bank card (the own_card flag in the calculator)
36 mo.
—
30.0%
special category
27.9%/yearwithout official income
36 mo.
—
50.0%
all clients
25.9%/year
36 mo.
—
50.0%
special category
24.9%/yearclient with a bank card (the own_card flag in the calculator)
36 mo.
—
50.0%
special category
26.9%/yearwithout official income
48 mo.
—
20.0%
all clients
28.9%/year
48 mo.
—
20.0%
special category
27.9%/yearclient with a bank card (the own_card flag in the calculator)
48 mo.
—
30.0%
all clients
27.9%/year
48 mo.
—
30.0%
special category
26.9%/yearclient with a bank card (the own_card flag in the calculator)
48 mo.
—
30.0%
special category
28.9%/yearwithout official income
48 mo.
—
50.0%
all clients
26.9%/year
48 mo.
—
50.0%
special category
25.9%/yearclient with a bank card (the own_card flag in the calculator)
48 mo.
—
50.0%
special category
27.9%/yearwithout official income
60 mo.
—
20.0%
all clients
29.9%/year
60 mo.
—
20.0%
special category
28.9%/yearclient with a bank card (the own_card flag in the calculator)
60 mo.
—
30.0%
all clients
28.9%/year
60 mo.
—
30.0%
special category
27.9%/yearclient with a bank card (the own_card flag in the calculator)
60 mo.
—
30.0%
special category
29.9%/yearwithout official income
60 mo.
—
50.0%
all clients
27.9%/year
60 mo.
—
50.0%
special category
26.9%/yearclient with a bank card (the own_card flag in the calculator)
60 mo.
—
50.0%
special category
28.9%/yearwithout official income
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
ADM Global IV
Purpose
Purchase of Kia cars produced by ADM Jizzakh (Kia Sonet) on the primary market
Available to
Citizens of Uzbekistan aged 18-65 (21 years — without an official income); application through Asakabank banking service centers or Kia dealers
Lowest rate
0%/yearfrom 0%“from 0 %” on the loan card
Minimum amount
1 000 000 UZSfrom 1 mln UZSmin_amount value from the card API
Maximum amount
1 000 000 000 UZSno more than 80% of the cost; with official income up to 2 loans with a total amount of up to 1 bn UZS; without official income 1 loan up to 750 mln UZSIn the API max_amount is lower (100 mln–1 bn) — the page states otherwise
Loan term
up to 60 mo.
Down payment
20%at least 20% of the car’s value
Collateral
yes
Accepted as collateral
car
Guarantor
yes
Proof of income
no
Borrower age
18–65 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
ADM Global V
Purpose
Purchase of Kia cars produced by ADM Jizzakh (Kia Cerato (Luxe, Luxe 2.0), K5 (Luxe+, Luxe Light, Prestige Special 2.0, Style+), K5C (Comfort, Prestige, Style Light, Style Temp, Style 2.0, Premium)) on the primary market
Available to
Citizens of Uzbekistan aged 18-65 (21 years — without an official income); application through Asakabank banking service centers or Kia dealers
Lowest rate
0%/yearfrom 0%“from 0 %” on the loan card
Minimum amount
1 000 000 UZSfrom 1 mln UZSmin_amount value from the card API
Maximum amount
1 000 000 000 UZSno more than 80% of the cost; with official income up to 2 loans with a total amount of up to 1 bn UZS; without official income 1 loan up to 750 mln UZSIn the API max_amount is lower (100 mln–1 bn) — the page states otherwise
Loan term
up to 60 mo.
Down payment
20%at least 20% of the car’s value
Collateral
yes
Accepted as collateral
car
Guarantor
yes
Proof of income
no
Borrower age
18–65 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Auto loan 2.6 Volkswagen
Purpose
Purchase of new Volkswagen cars sold by LLC «Avtans Auto» and official dealers on the primary market
Available to
Citizens of the Republic of Uzbekistan aged 18-65 with legal capacity; application at an Asakabank Banking Services Center or from official dealers
Lowest rate
18.9%/yearfrom 18,9% per annum«from 18,9% per annum» on the card; no rate table
Minimum amount
1 000 000 UZSfrom 1 mln UZSmin_amount value from the card API
Maximum amount
1 000 000 000 UZSno more than 70% of the car's value; with official income, up to 2 loans with a total amount of up to 1 bn UZS; without official income, 1 loan of up to 750 mln UZS
Loan term
up to 60 mo.
Down payment
30%at least 30% of the car’s value
Collateral
yes
Accepted as collateral
car
Borrower age
18–65 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Changan auto loan
Purpose
Purchase of new Changan cars sold by LLC «Changan Auto Distribution» and its dealers on the primary market
Available to
Citizens of the Republic of Uzbekistan aged 18-65 with legal capacity; application at an Asakabank Banking Services Center or from official dealers
Lowest rate
0%/yearfrom 0%“from 0%” on the card; conditions for getting 0% are not disclosed
Minimum amount
1 000 000 UZSfrom 1 mln UZSmin_amount value from the card API
Maximum amount
1 000 000 000 UZSno more than 80% of the car's value; with official income, up to 2 loans with a total amount of up to 1 bn UZS; without official income, 1 loan of up to 750 mln UZS
Loan term
up to 60 mo.
Down payment
40%at least 40% of the car’s value
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Borrower age
18–65 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Auto loan Cobalt Zero
Purpose
Purchase of new Cobalt cars (at the price without discount) sold by UzAuto Motors dealers on the primary market
Available to
Citizens of the Republic of Uzbekistan aged 18-65 with legal capacity; application at an Asakabank Banking Services Center or from official dealers
Lowest rate
0%/yearfrom 0%“from 0%” on the card; conditions for getting 0% are not disclosed
Maximum amount
1 000 000 000 UZSno more than 75% of the car's value; with official income, up to 2 loans with a total amount of up to 1 bn UZS; without official income, 1 loan of up to 750 mln UZS
Loan term
up to 60 mo.
Down payment
25%at least 25% of the car’s value
Collateral
yes
Accepted as collateral
car
Guarantor
yes
Proof of income
no
Borrower age
18–65 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Geely auto loan
Purpose
Purchase of new Geely cars sold by foreign enterprise LLC “Geely Auto WZ” and its dealers on the primary market
Available to
Citizens of the Republic of Uzbekistan aged 18-65 with legal capacity; application at an Asakabank Banking Services Center or from official dealers
Lowest rate
0%/yearfrom 0%“from 0%” on the card; conditions for getting 0% are not disclosed
Minimum amount
1 000 000 UZSfrom 1 mln UZSmin_amount value from the card API
Maximum amount
1 000 000 000 UZSno more than 75% of the car's value; with official income, up to 2 loans with a total amount of up to 1 bn UZS; without official income, 1 loan of up to 750 mln UZS
Loan term
up to 60 mo.
Down payment
25%at least 25% of the car’s value
Collateral
yes
Accepted as collateral
car
Guarantor
yes
Proof of income
no
Borrower age
18–65 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
KAIYI auto loan
Purpose
Purchase of new KAIYI cars sold by «Camel Auto» LLC and its dealers on the primary market
Available to
Citizens of the Republic of Uzbekistan aged 18-65 with legal capacity; application at an Asakabank Banking Services Center or from official dealers
Lowest rate
0%/yearfrom 0%“from 0%” on the card; conditions for getting 0% are not disclosed
Maximum amount
1 000 000 000 UZSno more than 60% of the car's value; with official income, up to 2 loans with a total amount of up to 1 bn UZS; without official income, 1 loan of up to 750 mln UZS
Loan term
up to 60 mo.
Down payment
40%at least 40% of the car’s value
Collateral
yes
Accepted as collateral
car
Guarantor
yes
Proof of income
no
Borrower age
18–65 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Li Auto auto loan
Purpose
Purchase of new Li Auto (Lixiang) cars sold by the joint venture LLC «Li Auto New Energy Vehicles WZBK» and its dealers on the primary market
Available to
Citizens of the Republic of Uzbekistan aged 18-65 with legal capacity; application at an Asakabank Banking Services Center or from official dealers
Lowest rate
0%/yearfrom 0%“from 0%” on the card; conditions for getting 0% are not disclosed
Maximum amount
1 000 000 000 UZSno more than 60% of the car's value; with official income, up to 2 loans with a total amount of up to 1 bn UZS; without official income, 1 loan of up to 750 mln UZS
Loan term
up to 60 mo.
Down payment
40%at least 40% of the car’s value
Collateral
yes
Accepted as collateral
car
Guarantor
yes
Proof of income
no
Borrower age
18–65 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Online auto loanonline
Purpose
Car purchase with online application in the mobile app
Lowest rate
18.9%/yearfrom 18,9%“from 18.9 %” on the loan card; no rate table
Maximum amount
1 000 000 000 UZSno more than 1 bn UZS, no more than 2 loans; up to 70% of the car value
Loan term
up to 60 mo.
Down payment
30%at least 30% of the car’s value
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Mortgages
Ipoteka Muallim
Purpose
Purchase of ready housing in commissioned apartment buildings
Available to
Teachers with the highest qualification category and 15+ years of experience, with official income
Rate (main case)
17%/year17% per annum for 120 months
Lowest rate
17%/year17% per annum
Highest rate
17%/year17% per annum
Maximum amount
480 000 000 UZSup to 480 mln UZS in Tashkent; up to 380 mln UZS in Karakalpakstan and the regions; no more than 85% of the housing cost
Loan term
up to 240 mo.
Down payment
15%from 15%
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
120 mo.
—
15.0%
17%/yearstate subsidy possible
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Qulay Makon
Purpose
Purchase of housing on the primary market
Available to
Persons with official income, with informal income, self-employed; the rate is lower for payroll clients
Rate (main case)
17%/year17% per annumfor payroll project participants 16%
Lowest rate
16%/year16% for payroll project participants
Highest rate
17%/year17% per annum
Maximum amount
480 000 000 UZSup to 480 mln UZS in Tashkent; up to 380 mln UZS in Karakalpakstan and the regions; no more than 85% of the housing cost
Loan term
up to 240 mo.
Down payment
15%from 15%; from 20% for informal income and self-employed
Collateral
yes
Accepted as collateral
real estate
Insurance required
no
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
120 mo.
—
15.0%
all clients
17%/yearIn the card description: “According to the decision of the Central Bank Board of July 25, the base rate was reduced by 0,5 percent”; down payment from 15%, from 20% for informal income and self-employed
120 mo.
—
15.0%
salary clients
16%/yearpayroll project participants
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Orzudagi uy mortgage
Purpose
Purchase of an apartment in Asakabank and NRG BI Group residential projects under a shared participation agreement
Available to
Individuals with official and unofficial income
Rate (main case)
18%/year18% per annum for 120 months
Lowest rate
18%/year18% per annum
Highest rate
18%/year18% per annum
Minimum amount
10 000 000 UZSfrom 10 mln UZSmin_amount value from the card API
Maximum amount
2 000 000 000 UZSup to 2 bn UZS
Loan term
up to 120 mo.
Down payment
30%30% of the apartment price
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
120 mo.
—
30.0%
18%/year
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Mortgage For You
Purpose
Purchase of an apartment in multi-storey buildings under construction or built by partner contractors of the «NRG» brand
Available to
NRG apartment buyers; persons with formal and informal income, self-employed
Rate (main case)
20%/year20% per annum (loan A before the collateral is registered)loan A, term up to 240 mo., funded by the Ministry of Economy and Finance; after the collateral is registered 18%; loan B (the bank’s own funds, up to 120 mo.) 23%
Lowest rate
18%/year18% (loan A after collateral is registered)
Highest rate
23%/year23% (loan B)
Maximum amount
2 000 000 000 UZSup to 2 bn UZSloan A — up to 480 mln UZS for Tashkent; loan B — up to 4000 base calculation units
Loan term
up to 240 mo.
Down payment
15%from 15%
Collateral
yes
Accepted as collateral
real estate
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
120 mo.
—
15.0%
all clients
23%/yearLoan B (the bank's own/borrowed funds)
120 mo.
—
15.0%
salary clients
22%/yearLoan B, payroll project
240 mo.
—
15.0%
all clients
20%/yearloan A until the housing is pledged as collateral
240 mo.
—
15.0%
all clients
18%/yearloan A after the housing is provided as collateral
240 mo.
—
15.0%
salary clients
19%/yearloan A, payroll project, before collateral
240 mo.
—
15.0%
salary clients
18%/yearloan A, payroll project, after collateral
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Family Mortgage
Purpose
Purchase of housing (new building) on the primary market: an apartment in a multi-storey building commissioned no more than 3 years ago
Rate (main case)
20%/year20% per annum for 120 months
Lowest rate
20%/year20% per annum
Highest rate
20%/year20% per annum
Minimum amount
100 000 000 UZSfrom 100 mln UZSmin_amount value from the card API; the minimum is not stated on the page
Maximum amount
800 000 000 UZSup to 800 mln UZS in Tashkent; up to 500 mln UZS in Karakalpakstan and regionsin the API max_amount = 1 bn UZS, on the page and in the properties — 800 / 500 mln
Loan term
up to 240 mo.
Down payment
25%at least 25% of the apartment price
Collateral
yes
Accepted as collateral
real estate
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
120 mo.
—
25.0%
20%/yearTerm up to 240 months at a single rate of 20%
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Ipoteka Universal 2.0
Purpose
Purchase of housing on the primary and secondary market
Available to
Citizens of Uzbekistan aged 21-60; lower rate for payroll clients
Rate (main case)
21.99%/year21,99% per annum for 240 months20.99% for payroll project participants; the rate is set and changed by decision of the Assets and Liabilities Management Committee
Lowest rate
20.99%/year20,99% for payroll project participants
Highest rate
21.99%/year21,99% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSmin_amount value from the card API
Maximum amount
1 000 000 000 UZSup to 1 bn UZS in Tashkent; up to 550 mln UZS in Karakalpakstan and regionsin the API max_amount = 800 mln; in the card properties «up to 1 bn»
Loan term
up to 240 mo.
Down payment
25%at least 25% of the housing costloan of no more than 75% of the cost of the home being purchased
Collateral
yes
Accepted as collateral
real estate
Borrower age
21–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
240 mo.
—
25.0%
all clients
21.99%/yearterm of 240 months when buying housing
240 mo.
—
25.0%
salary clients
20.99%/yearpayroll project participants
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Mortgage Manzil
Purpose
Purchase of housing on the primary or secondary market using the bank's own funds
Available to
The rate is lower for payroll project participants and Asakabank clients
Rate (main case)
22.99%/year22,99% per annum21,99% for payroll project participants and Asakabank clients
Lowest rate
21.99%/year21,99% for payroll clients and bank clients
Highest rate
22.99%/yearup to 22,99%
Minimum amount
1 000 000 UZSfrom 1 mln UZSmin_amount value from the card API
Maximum amount
1 760 000 000 UZSup to 1,76 bn UZS in Tashkent; up to 800 mln UZS in the regionsin the API max_amount = 176 mln (probably a typo); in the text — 1 760 000 000 / 800 000 000
Loan term
up to 180 mo.
Down payment
20%from 20% with official income; from 30% without official income
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
120 mo.
—
20.0%
all clients
22.99%/yeardown payment from 20% with official income, from 30% without official income
120 mo.
—
20.0%
salary clients
21.99%/yearpayroll project participants and Asakabank clients
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Ipoteka eko
Purpose
Home renovation («green» renovation: energy-efficient windows, doors, boiler, insulation, heat pump, air conditioner, solar water heater)
Available to
Citizens of Uzbekistan aged 18-60 with an official income
Rate (main case)
23%/year23% per annum for 120 months4% of the amount is covered by the National Agency for Energy Efficiency under the Cabinet of Ministers
Lowest rate
23%/year23% per annum
Highest rate
23%/yearup to 23% per annum
Maximum amount
170 000 000 UZSup to 170 mln UZS
Loan term
up to 120 mo.
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Repayment scheme
annuity
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Rate
Repayment
120 mo.
—
23%/year4% of the amount is covered by the National Energy Efficiency Agency
annuity
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Ipoteka eko plus
Purpose
Home renovation («green» renovation: energy-efficient windows, doors, boiler, insulation, heat pump, air conditioner, solar water heater)
Available to
Citizens of Uzbekistan aged 18-60 with an official income
Rate (main case)
23%/year23% per annum for 120 months4% of the amount is covered by the National Agency for Energy Efficiency under the Cabinet of Ministers
Lowest rate
23%/year23% per annum
Highest rate
23%/yearup to 23% per annum
Maximum amount
140 000 000 UZSup to 140 mln UZS
Loan term
up to 120 mo.
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Repayment scheme
annuity
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Rate
Repayment
120 mo.
—
23%/year4% of the amount is covered by the National Energy Efficiency Agency
annuity
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Yangi Toshkent
Purpose
Purchase of an apartment in the apartment buildings of the «Sharq Bahori» residential complex in New Tashkent
Available to
Citizens of Uzbekistan aged 18-60 with official or unofficial income, self-employed
Lowest rate
17%/yearfrom 17%“from 17%” on the loan card; the specific rates of loans A and B are not stated on the page
Maximum amount
1 000 000 000 UZSup to 1 bn UZSloan A up to 480 mln + loan B up to 520 mln
Loan term
up to 240 mo.
Down payment
15%from 15% with an official income; from 20% with an unofficial income and for self-employed persons
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Borrower age
18–60 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Microloans
Preferential microloanonline
Purpose
Microloan on preferential terms (for any purpose)
Available to
Clients with official income and a payroll project
Rate (main case)
26%/year26% per annum for 12 months
Lowest rate
20%/yearfrom 20%term up to 3 mo.
Highest rate
26%/yearup to 26%term up to 12 mo.
Maximum amount
10 000 000 UZSup to 10 mln UZS
Loan term
3–12 mo.
Decision time
15 minutes
Rates by term, amount and client category
Term
Amount
Clients
Rate
3 mo.
—
salary clients
20%/yearclients with official income and a payroll project
4–6 mo.
—
salary clients
22%/yearclients with official income and a payroll project
7–9 mo.
—
salary clients
24%/yearclients with official income and a payroll project
10–12 mo.
—
salary clients
26%/yearclients with official income and a payroll project
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Mikrokredit
Purpose
Microcredit for self-employed individuals (purpose not specified on the page)
Available to
Self-employed, citizens of Uzbekistan aged 18 and over, who have not reached retirement age
Rate (main case)
26.9%/year26,9% per annum for 36 months
Lowest rate
26.9%/yearfrom 26,9%
Highest rate
28.9%/yearup to 28,9%term up to 60 mo.
Maximum amount
300 000 000 UZSup to 300 mln UZSin the API max_amount = 1 bn UZS; in the text — up to 300 mln
Loan term
3–60 mo.
Collateral
yes
Accepted as collateral
car, real estate
Borrower age
from 18 years
Rates by term, amount and client category
Term
Amount
Rate
3–36 mo.
—
26.9%/year
37–48 mo.
—
27.9%/year
49–60 mo.
—
28.9%/year
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Microloan 2.6
Purpose
For any purpose
Available to
Clients with official income; the rate is lower for the payroll project
Rate (main case)
27%/year27% per annum for 12 monthsclient with an official income, term up to 2 years; payroll project participant — 25%
Lowest rate
25%/yearfrom 25%payroll project, term up to 2 years
Highest rate
32%/yearup to 32%client with an official income, term up to 5 years
Effective rate
31%/yearup to 31% per annum (maximum full cost)per the page text: “up to 31% per annum, including the rate, commissions and other expenses”; contradicts the nominal rate of 32% for a term of up to 5 years
Minimum amount
1 000 000 UZSfrom 1 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZSdepending on solvency
Loan term
3–60 mo.
Issuance fee
freeno fee for cash disbursement
Decision time
15 minutes
Rates by term, amount and client category
Term
Amount
Clients
Rate
24 mo.
—
all clients
27%/yearclient with official income
24 mo.
—
salary clients
25%/yearpayroll project participant
25–48 mo.
—
all clients
29%/yearclient with official income
25–48 mo.
—
salary clients
27%/yearpayroll project participant
49–60 mo.
—
all clients
32%/yearclient with official income
49–60 mo.
—
salary clients
30%/yearpayroll project participant
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Online microloanonline
Purpose
For any purpose (online application)
Lowest rate
20%/yearfrom 20%
Highest rate
36%/yearup to 36%
Minimum amount
2 000 000 UZSfrom 2 mln UZS
Maximum amount
100 000 000 UZSno more than 100 mln UZSin the API max_amount = 50 mln, in the text — 100 mln
Loan term
3–48 mo.
Issuance fee
freeno fee is charged for cash disbursement through the cashier
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Education loans
Loan for studying abroad
Purpose
Tuition payment at foreign universities from the TOP-300 of the QS or THE rankings
Available to
Citizens of the Republic of Uzbekistan under 30 and teaching staff admitted to a foreign TOP-300 university
Rate (main case)
14%/year14% per annum (CB base rate)equal to the current base rate of the Central Bank
Lowest rate
14%/year14% per annum
Highest rate
14%/year14% per annum
Maximum amount
no more than the equivalent of 20 000 USD in UZS at the bank's rate on the day of the transactionthe loan is issued in UZS
Guarantor
yes
Borrower age
up to 30 years
Rates by term, amount and client category
Term
Amount
Rate
48 mo.
—
14%/yearthe rate equals the CBU base rate; loan term — study period + 7.5 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Education loanonline
Purpose
Tuition contract payment for full-time students of universities of Uzbekistan
Available to
Full-time students of universities of the Republic of Uzbekistan (the loan is issued to the student, relatives may be co-borrowers)
Rate (main case)
14%/year14% per annum (CB base rate)equal to the Central Bank base rate (14% as of the snapshot date); for women, interest on the principal is covered by the Educational Loan Financing Fund under the Ministry of Economy and Finance every three months
Lowest rate
14%/year14% per annum
Highest rate
14%/year14% per annum
Maximum amount
no more than 100% of the contract amount for the academic yearin the API min_amount = 5 mln, max_amount = 35 mln; the page does not state a numeric limit
Guarantor
yes
Rates by term, amount and client category
Term
Amount
Rate
48 mo.
—
14%/yearthe rate equals the CBU base rate; loan term — study period + 7.5 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Other loans
Yashil Makon product
Purpose
Purchase of energy-saving and renewable energy sources (solar panels)
Available to
Citizens of Uzbekistan with continuous official income over the last 6 months
Rate (main case)
20%/year20% per annum up to 60 months
Lowest rate
20%/year20% per annum
Highest rate
20%/year20% per annum
Maximum amount
100 000 000 UZSup to 100 mln UZSin the API min_amount = 100 mln, max_amount = 1 bn; on the page — «Up to 100 mln UZS»
Loan term
up to 60 mo.
Grace period
6 mo.
Proof of income
yes
Rates by term, amount and client category
Term
Amount
Rate
60 mo.
—
20%/yearone rate for a term of up to 60 months
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Traveler
Purpose
Purchase of tourist and pilgrimage tours from licensed tour operators
Rate (main case)
27%/year27% per annum for 12 monthsthe base term of 36 mo. is not provided (term 6-12 mo.), the maximum term of 12 months is used; up to 6 months — 25%
Lowest rate
25%/yearfrom 25%term up to 6 mo.
Highest rate
27%/yearup to 27%term up to 12 mo.
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
6–12 mo.
Grace period
3 mo.
Rates by term, amount and client category
Term
Amount
Rate
6 mo.
—
25%/year
7–12 mo.
—
27%/year
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
