Business Development Bank: 28 loans, types: consumer loan, auto loan, mortgage, microloan, education loan, other.
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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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
Consumeronline
Purpose
purchase of goods and services for consumer needs
Available to
for all segments; reduced rate for payroll clients
Rate (main case)
25%/year25% per annum for 36 monthsThe calculator on the page gives 27% for 36 mo.; the terms table says 'up to 3 years - 25%'
Lowest rate
23%/yearfrom 23% for a payroll project for 5 years
Highest rate
27%/yearup to 27% for a term of up to 5 years
Minimum amount
1 000 000 UZSfrom 1 mln UZSPer the calculator on the page
Maximum amount
200 000 000 UZSup to 200 mln UZS
Loan term
12–60 mo.
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Grace period
3 mo.
Accepted as collateral
car, real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
other
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Clients
Rate
12 mo.
from 1 000 000 UZS
all clients
25%/yearFor all segments, term up to 3 years (25%); per calculator 12 and 24 mo. - 25%
24 mo.
from 1 000 000 UZS
all clients
25%/yearFor all segments, term up to 3 years (25%)
36 mo.
from 1 000 000 UZS
all clients
25%/yearTerms table: up to 3 years - 25%; the calculator shows 27% for 36 mo.
48 mo.
from 1 000 000 UZS
all clients
27%/yearTerm up to 5 years - 27%
60 mo.
from 1 000 000 UZS
all clients
27%/yearTerm up to 5 years - 27%
60 mo.
from 1 000 000 UZS
salary clients
23%/yearFor clients of the bank's payroll project, term up to 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Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 ↗
Auto loans
BRB Avto Classic
Purpose
purchase of a new car from the official dealer Asaka Motors International
Available to
individuals with official proven income
Rate (main case)
0%/year0% per annum for 30 months with a 25% contributionThere is no base term of 36 mo., the maximum term is 30 mo.
Lowest rate
0%/year0%
Highest rate
0%/year0%
Maximum amount
up to 75% of the car value
Loan term
20–30 mo.
Down payment
25%25-50% of the cost
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
differentiated
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
20 mo.
—
25%
0%/year0% rate with a down payment of 25%, 40% and 50%
differentiated
25 mo.
—
25%
0%/year0% rate with a down payment of 25%, 40% and 50%
differentiated
30 mo.
—
25%
0%/year0% rate with a down payment of 25%, 40% and 50%
differentiated
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 0%
Purpose
purchase of Damas, Labo, Captiva, Onix and Tracker cars on the primary market
Rate (main case)
0%/year0% per annum for 36 months (Onix and Tracker) with a 25% down paymentTerms depend on the model: Labo 10-22 mo., Damas/Captiva 12-24 mo., Onix/Tracker 32-58 mo.
Lowest rate
0%/year0% for all terms and down payments
Highest rate
0%/year0% for all terms and down payments
Maximum amount
up to 75% of the sale and purchase agreement amount
Loan term
10–58 mo.
Down payment
25%from 25% to 50% of the cost
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
differentiated
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
10 mo.
—
25%
0%/yearLabo model. Rate 0% with any down payment of 25-50% (per the table on the page)
differentiated
12 mo.
—
25%
0%/yearDamas and Captiva models. Rate 0% with any down payment of 25-50% (per the table on the page)
differentiated
13 mo.
—
25%
0%/yearLabo model. Rate 0% with any down payment of 25-50% (per the table on the page)
differentiated
15 mo.
—
25%
0%/yearDamas and Captiva models. Rate 0% with any down payment of 25-50% (per the table on the page)
differentiated
16 mo.
—
25%
0%/yearLabo model. Rate 0% with any down payment of 25-50% (per the table on the page)
differentiated
18 mo.
—
25%
0%/yearDamas and Captiva models. Rate 0% with any down payment of 25-50% (per the table on the page)
differentiated
22 mo.
—
25%
0%/yearLabo model. Rate 0% with any down payment of 25-50% (per the table on the page)
differentiated
24 mo.
—
25%
0%/yearDamas and Captiva models. Rate 0% with any down payment of 25-50% (per the table on the page)
differentiated
32 mo.
—
25%
0%/yearOnix and Tracker models. Rate 0% with any down payment of 25-50% (per the table on the page)
differentiated
36 mo.
—
25%
0%/yearOnix and Tracker models. Rate 0% with any down payment of 25-50% (per the table on the page)
differentiated
44 mo.
—
25%
0%/yearOnix and Tracker models. Rate 0% with any down payment of 25-50% (per the table on the page)
differentiated
58 mo.
—
25%
0%/yearOnix and Tracker models. Rate 0% with any down payment of 25-50% (per the table on the page)
differentiated
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 ↗
Milliy Avto
Purpose
purchase of Damas, Onix, Tracker cars on the primary market
Rate (main case)
15%/year15% per annum for 36 months with a 25% contributionRate depends on the term and down payment (table on the page)
Lowest rate
0%/yearfrom 0% (down payment from 30% for 12 months)
Highest rate
18.5%/yearup to 18,5% (down payment 25%, 60 months)
Maximum amount
up to 75% of the sale and purchase agreement amount
Loan term
12–60 mo.
Down payment
25%from 25% to 50% of the cost
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12 mo.
—
30%
0%/year
annuity
12 mo.
—
40%
0%/year
annuity
12 mo.
—
50%
0%/yearThe table for a 50% down payment on the page is laid out with a defect (6 terms for 5 rates), terms 12-48 recorded
annuity
18 mo.
—
45%
0%/year
annuity
20 mo.
—
30%
7%/year
annuity
20 mo.
—
40%
4%/year
annuity
20 mo.
—
50%
0%/yearThe table for a 50% down payment on the page is laid out with a defect (6 terms for 5 rates), terms 12-48 recorded
annuity
24 mo.
—
25%
10.5%/year
annuity
24 mo.
—
30%
10%/year
annuity
24 mo.
—
40%
7.5%/year
annuity
24 mo.
—
50%
4.5%/yearThe table for a 50% down payment on the page is laid out with a defect (6 terms for 5 rates), terms 12-48 recorded
annuity
36 mo.
—
25%
15%/year
annuity
36 mo.
—
30%
14%/year
annuity
36 mo.
—
40%
13%/year
annuity
36 mo.
—
50%
11%/yearThe table for a 50% down payment on the page is laid out with a defect (6 terms for 5 rates), terms 12-48 recorded
annuity
48 mo.
—
25%
17%/year
annuity
48 mo.
—
30%
16.5%/year
annuity
48 mo.
—
40%
15.5%/year
annuity
48 mo.
—
50%
14%/yearThe table for a 50% down payment on the page is laid out with a defect (6 terms for 5 rates), terms 12-48 recorded
annuity
60 mo.
—
25%
18.5%/year
annuity
60 mo.
—
30%
18%/year
annuity
60 mo.
—
40%
17%/year
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 ↗
Eco Drive auto loan
Purpose
purchase of BYD Yuan Up (EV), BYD Yuan Up (DM-i) and BYD Chazor on the primary market under the bank’s agreement with FE LLC “BYD Central Asia”
Available to
individuals purchasing BYD cars (under the bank's special agreement with BYD Central Asia)
Rate (main case)
18%/year18% per annum for 36 months with a 25% down payment (BYD Yuan Up EV)For BYD Yuan Up (DM-i) and BYD Chazor with a 25% down payment for 36 months - 8,8%. The rate depends on the model, term and down payment (tables on the page).
Lowest rate
0%/yearfrom 0% (60% contribution for 12 months for EV; for DM-i/Chazor 0% for short terms)
Highest rate
19.5%/yearup to 19,5% (BYD Yuan Up EV, down payment 25%, 60 months)
Maximum amount
up to 75% of the car value under the contractAmount in UZS is not specified as a number
Loan term
12–60 mo.
Down payment
25%from 25% to 60% of the costMinimum down payment 25%
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
other
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12 mo.
—
25%
11%/yearBYD Yuan Up (EV)
12 mo.
—
25%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
12 mo.
—
30%
9.9%/yearBYD Yuan Up (EV)
12 mo.
—
30%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
12 mo.
—
40%
8%/yearBYD Yuan Up (EV)
12 mo.
—
40%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
12 mo.
—
50%
4%/yearBYD Yuan Up (EV)
12 mo.
—
50%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
12 mo.
—
60%
0%/yearBYD Yuan Up (EV)
12 mo.
—
60%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
18 mo.
—
25%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
18 mo.
—
30%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
18 mo.
—
40%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
18 mo.
—
50%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
18 mo.
—
60%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
24 mo.
—
25%
16%/yearBYD Yuan Up (EV)
24 mo.
—
25%
4.8%/yearBYD Yuan Up (DM-i) and BYD Chazor
24 mo.
—
30%
15.5%/yearBYD Yuan Up (EV)
24 mo.
—
30%
4%/yearBYD Yuan Up (DM-i) and BYD Chazor
24 mo.
—
40%
14%/yearBYD Yuan Up (EV)
24 mo.
—
40%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
24 mo.
—
50%
11%/yearBYD Yuan Up (EV)
24 mo.
—
50%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
24 mo.
—
60%
8.5%/yearBYD Yuan Up (EV)
24 mo.
—
60%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
30 mo.
—
25%
7.8%/yearBYD Yuan Up (DM-i) and BYD Chazor
30 mo.
—
30%
7%/yearBYD Yuan Up (DM-i) and BYD Chazor
30 mo.
—
40%
5%/yearBYD Yuan Up (DM-i) and BYD Chazor
30 mo.
—
50%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
30 mo.
—
60%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
36 mo.
—
25%
18%/yearBYD Yuan Up (EV)
36 mo.
—
25%
8.8%/yearBYD Yuan Up (DM-i) and BYD Chazor
36 mo.
—
30%
17.5%/yearBYD Yuan Up (EV)
36 mo.
—
30%
8%/yearBYD Yuan Up (DM-i) and BYD Chazor
36 mo.
—
40%
16%/yearBYD Yuan Up (EV)
36 mo.
—
40%
6%/yearBYD Yuan Up (DM-i) and BYD Chazor
36 mo.
—
50%
15%/yearBYD Yuan Up (EV)
36 mo.
—
50%
2%/yearBYD Yuan Up (DM-i) and BYD Chazor
36 mo.
—
60%
12.5%/yearBYD Yuan Up (EV)
36 mo.
—
60%
0%/yearBYD Yuan Up (DM-i) and BYD Chazor
48 mo.
—
25%
19%/yearBYD Yuan Up (EV)
48 mo.
—
25%
9.9%/yearBYD Yuan Up (DM-i) and BYD Chazor
48 mo.
—
30%
18%/yearBYD Yuan Up (EV)
48 mo.
—
30%
8.9%/yearBYD Yuan Up (DM-i) and BYD Chazor
48 mo.
—
40%
17%/yearBYD Yuan Up (EV)
48 mo.
—
40%
7.9%/yearBYD Yuan Up (DM-i) and BYD Chazor
48 mo.
—
50%
16%/yearBYD Yuan Up (EV)
48 mo.
—
50%
5%/yearBYD Yuan Up (DM-i) and BYD Chazor
48 mo.
—
60%
14%/yearBYD Yuan Up (EV)
48 mo.
—
60%
1%/yearBYD Yuan Up (DM-i) and BYD Chazor
60 mo.
—
25%
19.5%/yearBYD Yuan Up (EV)
60 mo.
—
25%
11%/yearBYD Yuan Up (DM-i) and BYD Chazor
60 mo.
—
30%
19%/yearBYD Yuan Up (EV)
60 mo.
—
30%
10%/yearBYD Yuan Up (DM-i) and BYD Chazor
60 mo.
—
40%
18%/yearBYD Yuan Up (EV)
60 mo.
—
40%
9%/yearBYD Yuan Up (DM-i) and BYD Chazor
60 mo.
—
50%
16.5%/yearBYD Yuan Up (EV)
60 mo.
—
50%
6%/yearBYD Yuan Up (DM-i) and BYD Chazor
60 mo.
—
60%
15%/yearBYD Yuan Up (EV)
60 mo.
—
60%
3%/yearBYD Yuan Up (DM-i) and BYD Chazor
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 ↗
Premium Avto
Purpose
purchase of KIA and Chery cars on the primary market
Available to
persons with official income, pensioners and the self-employed
Rate (main case)
20%/year20% per annum for 36 months with a 25% contributionRate depends on the term and down payment (table on the page)
Lowest rate
1%/yearfrom 1% (50% down payment, 12 months)
Highest rate
25%/yearup to 25% (down payment 25%, 60 months)
Maximum amount
under the purchase and sale agreement
Loan term
12–60 mo.
Down payment
25%25% - 50% (self-employed 30% - 50%)
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12 mo.
—
25%
5.5%/yearDown payment 25%; for self-employed, down payment from 30%
annuity
12 mo.
—
30%
3.5%/yearDown payment 30%
annuity
12 mo.
—
40%
1.5%/yearDown payment 40%
annuity
12 mo.
—
50%
1%/yearDown payment 50%
annuity
24 mo.
—
25%
15.5%/yearDown payment 25%; for self-employed, down payment from 30%
annuity
24 mo.
—
30%
15%/yearDown payment 30%
annuity
24 mo.
—
40%
13.5%/yearDown payment 40%
annuity
24 mo.
—
50%
11%/yearDown payment 50%
annuity
36 mo.
—
25%
20%/yearDown payment 25%; for self-employed, down payment from 30%
annuity
36 mo.
—
30%
19.5%/yearDown payment 30%
annuity
36 mo.
—
40%
18.5%/yearDown payment 40%
annuity
36 mo.
—
50%
17%/yearDown payment 50%
annuity
48 mo.
—
25%
23%/yearDown payment 25%; for self-employed, down payment from 30%
annuity
48 mo.
—
30%
22.5%/yearDown payment 30%
annuity
48 mo.
—
40%
21.5%/yearDown payment 40%
annuity
48 mo.
—
50%
20.5%/yearDown payment 50%
annuity
60 mo.
—
25%
25%/yearDown payment 25%; for self-employed, down payment from 30%
annuity
60 mo.
—
30%
24.5%/yearDown payment 30%
annuity
60 mo.
—
40%
24%/yearDown payment 40%
annuity
60 mo.
—
50%
22.5%/yearDown payment 50%
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 ↗
For purchasing a new car
Purpose
purchase of a new car on the primary market
Available to
persons with official income, pensioners and the self-employed
Rate (main case)
25%/year25% per annum for 3 yearsFor 5 years - 27%; for a payroll project - 23%
Lowest rate
23%/yearfrom 23% for the payroll project
Highest rate
27%/yearup to 27% for 5 years
Maximum amount
800 000 000 UZSup to 800 mln UZSFor self-employed when buying from other dealers - no more than 200 mln UZS
Loan term
36–60 mo.
Down payment
25%from 25% to 50% of the costSelf-employed: 30% (official dealers) / 50% (others)
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Grace period
3 mo.
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
other
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
36 mo.
—
25%
all clients
25%/year25% for a term of 3 years
36 mo.
—
30%
special category
25%/yearSelf-employed: purchase from official dealers (UzAvto, ROODEL, BYD, Hyundai), down payment 30%
36 mo.
—
50%
special category
25%/yearSelf-employed: purchase from other dealers, down payment 50%, limit 200 mln UZS
60 mo.
—
25%
all clients
27%/year27% for a term of 5 years
36–60 mo.
—
25%
salary clients
23%/yearFor payroll project clients (23%); term 3-5 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 ↗
Auto loan for employees of partner companies
Purpose
purchase of a car on the primary market, as well as payment of insurance premiums
Available to
employees of the bank's partner organizations, business entities and corporate clients
Rate (main case)
25,5%-27,5% per annumLink between the rate and term/down payment is not specified on the page; 3-5 years
Lowest rate
25.5%/yearfrom 25,5%
Highest rate
27.5%/yearup to 27,5%
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
36–60 mo.
Down payment
25%from 25% when buying from an official dealer40% when buying without an official dealer
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Grace period
3 mo.
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
other
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 ↗
Mortgages
Fast mortgageonline
Purpose
purchase of new housing on the primary market with a state guarantee
Available to
citizens of the Republic of Uzbekistan with an official place of work and stable income over the last 12 months; who have not previously received a mortgage under state programs
Rate (main case)
16.99%/year16,99% per annum, term up to 20 years
Lowest rate
16.99%/year16,99%
Highest rate
16.99%/year16,99%
Maximum amount
480 000 000 UZSTashkent - up to 480 mln UZSRegions and Karakalpakstan - up to 380 mln UZS
Loan term
up to 240 mo.
Down payment
15%from 15%
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Guarantor
no
Proof of income
yes
Insurance required
no
Repayment scheme
other
Borrower age
18–60 years
Decision time
answer within 2 minutes (according to the page's promotional text)
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
240 mo.
—
15%
16.99%/yearSingle rate 16,99% (calculator data)
other
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 mortgageonline
Purpose
purchase of an apartment in a new building via online application
Available to
individuals with official income
Rate (main case)
16.99%/year16,99% per annum, term up to 20 yearsOn the page “from 16,99%”
Lowest rate
16.99%/yearfrom 16,99%
Highest rate
16.99%/year16,99%
Maximum amount
480 000 000 UZSTashkent - up to 480 mln UZSKarakalpakstan and regions - up to 380 mln UZS
Loan term
up to 240 mo.
Down payment
15%from 15%
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Repayment scheme
other
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
240 mo.
—
15%
16.99%/yearRate 16,99% with any down payment from 15% (calculator data)
other
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 bank-owned houses
Purpose
purchase of the bank's apart-hotels in SGM «Chimgan» and the bank's apartment buildings in Namangan and Kokand
Available to
citizens of the Republic of Uzbekistan (first use of a mortgage under the program; loans before 1 May 2024 are not counted)
Rate (main case)
17%/year17% per annum for 10 years (SGM «Chimgan» apart-hotels, down payment 20%)For houses in Namangan/Kokand - from 16% with a down payment from 15% and a term up to 20 years
Lowest rate
14%/yearfrom 14% (Chimgan: 16% minus 2 p.p. with a down payment over 50%)
Highest rate
19%/yearup to 19% (second loan for one apartment)
Maximum amount
2 200 000 000 UZSChimgan - up to 2,2 bn UZSNamangan and Kokand - up to 380 mln UZS (second loan for the same apartment - no more than 2500 BCV)
Loan term
up to 240 mo.
Down payment
15%from 15% (Namangan, Kokand); Chimgan - from 20%
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Borrower age
18–72 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
84 mo.
—
20%
16%/yearSGM «Chimgan» (apart-hotels): term up to 7 years - 16%. With a down payment of over 35% - minus 1 p.p., over 50% - minus 2 p.p.
other
84 mo.
—
51%
14%/yearSGM «Chimgan»: term up to 7 years, down payment over 50% - 16% minus 2 p.p. = 14%
other
85–120 mo.
—
20%
17%/yearSGM «Chimgan»: term from 7 to 10 years — 17%. Down payment discounts: more than 35% — minus 1 pp, more than 50% — minus 2 pp
other
180 mo.
—
15%
19%/yearHouses in Namangan and Kokand: second loan for the same apartment - 19%, term up to 15 years
other
121–180 mo.
—
20%
18%/yearSGM «Chimgan»: term from 10 to 15 years — 18%. Down payment discounts: more than 35% — minus 1 pp, more than 50% — minus 2 pp
other
240 mo.
—
15%
16%/yearBank houses in Namangan and Kokand: from 16% per annum, term up to 20 years, first home
other
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 primary housing
Purpose
purchase of an apartment in apartment buildings on the primary housing market (funded by the Ministry of Economy and Finance)
Available to
persons with official income and self-employed
Rate (main case)
17%/year17% per annum, term up to 20 yearsOn the page 17%-17,5%
Lowest rate
17%/yearfrom 17%
Highest rate
17.5%/yearup to 17,5%
Maximum amount
480 000 000 UZSTashkent - up to 480 mln UZSKarakalpakstan and regions - up to 380 mln UZS
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 ↗
Commercial mortgage
Purpose
purchase of housing on the primary and secondary market of the Republic of Uzbekistan (commissioned, with a cadastre)
Available to
citizens and residents of Uzbekistan with an official income; citizens of Uzbekistan with an unofficial income, including the self-employed
Rate (main case)
21.5%/year21,5% per annum after the first 12 months (19,9% for the first 12 months), term 10 yearsTwo-stage rate: lower in the first year
Lowest rate
19.5%/yearfrom 19,5% (payroll project, first 12 months)
Highest rate
21.9%/yearup to 21,9% (term over 10 years, after the first year)
Maximum amount
1 000 000 000 UZSTashkent and New Tashkent - up to 1 bn UZSKarakalpakstan and regions — up to 550 mln UZS; not more than 75% of the housing value (with an unofficial income — 65%)
Loan term
120–180 mo.
Down payment
25%from 25% for official incomeFrom 35% with unofficial income
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Repayment scheme
other
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
120 mo.
—
25%
all clients
21.5%/yearStandard clients, term 10 years: first 12 months 19,9%, then 21,5%
other
120 mo.
—
25%
salary clients
21%/yearPayroll project, term 10 years: first 12 months 19,5%, then 21,0%
other
121–180 mo.
—
25%
all clients
21.9%/yearStandard clients, term over 10 years: first 12 months 19,9%, then 21,9%
other
121–180 mo.
—
25%
salary clients
21.5%/yearPayroll project, term over 10 years: first 12 months 19,5%, then 21,5%
other
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 — refinancing
Purpose
refinancing of mortgage loans issued to individuals by other banks
Available to
holders of an existing mortgage from another bank
Rate (main case)
22%/year22% per annum21,5% if all borrowers have official income or participate in the payroll project
Lowest rate
21.5%/yearfrom 21,5%
Highest rate
22%/yearup to 22%
Maximum amount
4 400 000 000 UZSTashkent - up to 4,4 bn UZSKarakalpakstan and regions - up to 2,2 bn UZS
Loan term
up to 180 mo.
Down payment
no down paymentnot required
Collateral
yes
Accepted as collateral
real estate
Guarantor
no
Proof of income
yes
Repayment scheme
other
Borrower age
18–72 years
Rates by term, amount and client category
Term
Amount
Clients
Rate
Repayment
180 mo.
—
all clients
22%/year22% - in all other cases
other
180 mo.
—
salary clients
21.5%/year21,5% - if the borrower and co-borrowers have official income or the borrower is a payroll project participant
other
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 home renovation
Purpose
renovation of houses and apartments
Available to
individuals with official income
Rate (main case)
22.9%/year22,9% per annum, term up to 10 years22% - for payroll clients (calculator data); on the page 22%-22,9%
Lowest rate
22%/yearfrom 22%
Highest rate
22.9%/yearup to 22,9%
Maximum amount
440 000 000 UZSTashkent - up to 440 mln UZSKarakalpakstan and regions - up to 308 mln UZS
Loan term
36–120 mo.
Down payment
no down paymentnot required
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Repayment scheme
other
Borrower age
18–72 years
Rates by term, amount and client category
Term
Amount
Clients
Rate
Repayment
120 mo.
—
all clients
22.9%/yearStandard clients (page calculator data)
other
120 mo.
—
salary clients
22%/yearPayroll project (page calculator data)
other
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 ↗
Green mortgage
Purpose
energy-efficient renovation of private houses and apartments (at least 50% of the amount for materials and equipment from the green.uzmrc.uz register)
Available to
citizens of Uzbekistan with a confirmed source of income
Rate (main case)
23%/year23% per annum (fixed), term up to 10 years
Lowest rate
23%/year23%
Highest rate
23%/year23%
Maximum amount
350 000 000 UZSTashkent and New Tashkent - up to 350 mln UZSKarakalpakstan and other regions - up to 250 mln UZS
Loan term
12–120 mo.
Down payment
no down paymentnot required
Collateral
yes
Accepted as collateral
real estate
Guarantor
no
Proof of income
yes
Insurance required
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Rate
Repayment
120 mo.
—
23%/yearSingle fixed rate 23%
other
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 ↗
Madad
Purpose
purchase of an apartment on the primary housing market
Available to
persons with official income and the self-employed; using a mortgage under the program for the first time
Rate (main case)
23%/year23% per annum, term up to 15 yearsPayroll project - 22% (calculator data); on the page 22%-23%
Lowest rate
22%/yearfrom 22%
Highest rate
23%/yearup to 23%
Maximum amount
1 100 000 000 UZSTashkent - up to 1,1 bn UZSKarakalpakstan and regions - up to 880 mln UZS
Loan term
up to 180 mo.
Down payment
20%
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Guarantor
no
Proof of income
yes
Insurance required
no
Repayment scheme
other
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
180 mo.
—
20%
all clients
23%/yearStandard clients (page calculator data)
other
180 mo.
—
20%
salary clients
22%/yearPayroll project (page calculator data)
other
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 secondary housing
Purpose
purchase of a home/apartment on the primary and secondary market
Available to
persons with official income and self-employed
Rate (main case)
23.5%/year23,5% per annum with a down payment of 20%, term up to 15 yearsStandard rates 23,5%-24%; on preferential terms 22,9%-23,5%
Lowest rate
22.9%/yearfrom 22,9% (preferential terms)
Highest rate
24%/yearup to 24% (standard terms, down payment from 40%)
Maximum amount
4 400 000 000 UZSTashkent - up to 4,4 bn UZSKarakalpakstan and regions - up to 2,2 bn UZS
Loan term
up to 180 mo.
Down payment
20%from 20%
Collateral
yes
Accepted as collateral
real estate
Guarantor
no
Proof of income
yes
Insurance required
yes
Repayment scheme
other
Borrower age
18–72 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
180 mo.
—
20%
all clients
23.5%/yearStandard rates 23,5%-24%: per the calculator, 23,5% with a 20-39% down payment, 24% with a down payment from 40%
other
180 mo.
—
20%
salary clients
22.9%/yearPayroll project / preferential terms: 22,9% with a 20-39% down payment, 23,5% with a down payment from 40% (calculator data)
other
180 mo.
—
40%
all clients
24%/yearStandard clients with a down payment from 40%: 24% (calculator data)
other
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 ↗
Housing construction and reconstruction
Purpose
construction or reconstruction of housing or a commercial property
Rate (main case)
26%/year26% per annum, term up to 15 years25% - for payroll clients (calculator data); 25%-26% on the page
Lowest rate
25%/yearfrom 25%
Highest rate
26%/yearup to 26%
Maximum amount
1 540 000 000 UZSup to 1,54 bn UZSTypo '1 540,0 bn' in the list card; the page says 'up to 1,540 bn UZS'
Loan term
up to 180 mo.
Down payment
20%
Grace period
12 mo.
Collateral
yes
Accepted as collateral
real estate
Guarantor
no
Proof of income
yes
Insurance required
yes
Borrower age
18–72 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
180 mo.
—
20%
all clients
26%/yearStandard clients (page calculator data)
annuity
180 mo.
—
20%
salary clients
25%/yearPayroll project (page calculator data)
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 ↗
Microloans
Travel microloan
Purpose
covering travel expenses
Rate (main case)
28%/year28% per annum for a term of up to 4 yearsFor a term up to 2 years - 26%; 36 months falls into the 'up to 4 years' tier
Lowest rate
26%/yearfrom 26% (up to 2 years)
Highest rate
28%/yearup to 28% (up to 4 years)
Maximum amount
40 000 000 UZSup to 40 mln UZS
Loan term
up to 48 mo.
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Grace period
6 mo.
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
other
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Rate
Repayment
24 mo.
—
26%/yearTerm up to 2 years - 26%
other
25–48 mo.
—
28%/yearTerm up to 4 years - 28%
other
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 for corporate employeesonline
Purpose
for consumer needs
Available to
employees of the bank's partner organizations, business entities and corporate clients
Rate (main case)
28%/year28% per annum for 36 months (per calculator)The page text gives a range of 26%-29% per annum
Lowest rate
26%/yearfrom 26%
Highest rate
29%/yearup to 29%
Minimum amount
2 000 000 UZSfrom 2 mln UZSPer calculator
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
12–48 mo.
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
other
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Rate
12 mo.
from 2 000 000 UZS
26%/yearPer calculator
36 mo.
from 2 000 000 UZS
28%/yearPer calculator
48 mo.
from 2 000 000 UZS
29%/yearPer calculator
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 ↗
Microloanonline
Purpose
covers any expenses
Available to
persons with official income and self-employed individuals
Rate (main case)
29%/year29% per annum for 36 monthsFor payroll project - 27%
Lowest rate
25%/yearfrom 25% (payroll project, 12 months)
Highest rate
30%/yearup to 30% (48 mo.)
Minimum amount
2 000 000 UZSfrom 2 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
12–48 mo.
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
other
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Clients
Rate
12 mo.
from 2 000 000 UZS
all clients
27%/yearFor clients with regular official monthly income
12 mo.
from 2 000 000 UZS
salary clients
25%/yearFor clients under the payroll project
24 mo.
from 2 000 000 UZS
all clients
28%/yearFor clients with regular official monthly income
24 mo.
from 2 000 000 UZS
salary clients
26%/yearFor clients under the payroll project
36 mo.
from 2 000 000 UZS
all clients
29%/yearFor clients with regular official monthly income
36 mo.
from 2 000 000 UZS
salary clients
27%/yearFor clients under the payroll project
48 mo.
from 2 000 000 UZS
all clients
30%/yearFor clients with regular official monthly income
48 mo.
from 2 000 000 UZS
salary clients
28%/yearFor clients under 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 ↗
Online microloanonlineno collateral
Purpose
to meet personal (consumer) needs
Available to
Citizens of Uzbekistan; foreign citizens with a residence permit and official income
Rate (main case)
30%/year30% per annum for 36 months (per calculator)The final rate is determined by scoring
Lowest rate
26%/yearfrom 26%
Highest rate
38%/yearup to 38% based on scoring resultsThe loan list shows 26%-33%, the calculator maximum is 32%
Minimum amount
1 000 000 UZSfrom 1 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
12–48 mo.
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Collateral
no
Early repayment allowed
yes
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Rate
Repayment
12 mo.
from 1 000 000 UZS
26%/yearRate per the calculator on the page; finally determined by scoring
annuity
18 mo.
from 1 000 000 UZS
27%/yearRate per the calculator on the page; finally determined by scoring
annuity
24 mo.
from 1 000 000 UZS
28%/yearRate per the calculator on the page; finally determined by scoring
annuity
30 mo.
from 1 000 000 UZS
29%/yearRate per the calculator on the page; finally determined by scoring
annuity
36 mo.
from 1 000 000 UZS
30%/yearRate per the calculator on the page; finally determined by scoring
annuity
42 mo.
from 1 000 000 UZS
31%/yearRate per the calculator on the page; finally determined by scoring
annuity
48 mo.
from 1 000 000 UZS
32%/yearRate per the calculator on the page; finally determined by scoring
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 ↗
Education loans
Orzu ta'limonline
Purpose
payment for contract-based bachelor's and master's studies at foreign universities in the QS or THE top-300
Available to
citizens of Uzbekistan enrolled in a foreign university from the top-300; young people under 30, teachers with no age limit
Rate (main case)
14%/year14% (Central Bank base rate)Formula: at the level of the CBU base rate; the 14% figure is from the loan list card
Lowest rate
14%/year14% (Central Bank rate)
Highest rate
14%/year14% (Central Bank rate)
Maximum amount
Up to the equivalent of 20 000 US dollars per academic year in the national currencyNot more than the contract amount
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
other
Rates by term, amount and client category
Term
Amount
Rate
Repayment
12 mo.
—
14%/yearRate at the level of the Central Bank key rate (14% per the list card); calculator: 12-48 mo. - 14%
other
24 mo.
—
14%/yearRate at the level of the Central Bank key rate (14% per the list card); calculator: 12-48 mo. - 14%
other
36 mo.
—
14%/yearRate at the level of the Central Bank key rate (14% per the list card); calculator: 12-48 mo. - 14%
other
48 mo.
—
14%/yearRate at the level of the Central Bank key rate (14% per the list card); calculator: 12-48 mo. - 14%
other
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 ↗
Educationalonline
Purpose
payment of the contract for full-time study at universities, secondary specialized and vocational educational institutions of Uzbekistan
Available to
full-time students (citizens of the Republic of Uzbekistan up to 60 years old inclusive)
Rate (main case)
14%/year14% per annum (Central Bank rate)Formula: Central Bank of Uzbekistan rate; 0% for women (interest is covered by the Fund under the Ministry of Finance)
Lowest rate
0%/year0% for women (interest is covered by the Fund)
Highest rate
14%/year14%
Maximum amount
up to 100% of the contract value1st year - full amount; from the 2nd year depends on GPA: below 3 - up to 80% (the first 20% paid by the student), 3 and above and families from the social protection register - up to 100%
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Accepted as collateral
real estate
Early repayment allowed
yes
Repayment scheme
differentiated
Borrower age
up to 60 years
Rates by term, amount and client category
Term
Amount
Clients
Rate
Repayment
48 mo.
—
all clients
14%/year14% (CB of Uzbekistan rate); if the CB rate is lowered, the rate is lowered; if it is raised, it stays the same
differentiated
48 mo.
—
special category
0%/yearFor women’s education, interest is covered by the Fund under the Ministry of Finance - 0% for the borrower
differentiated
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 educationonlineno collateral
Purpose
payment for fee-based contract tuition (full-time)
Available to
citizens of Uzbekistan aged 18-60, full-time students
Rate (main case)
14%/year14% per annumFor women - 0% (interest is covered by the State Fund)
Lowest rate
0%/year0% for women (interest is covered by a state fund)
Highest rate
14%/year14%
Maximum amount
82 400 000 UZSup to 82,4 mln UZSIn the amount of the contract, but not more than 200 BCV; with a GPA below 3 - up to 80% of the contract, with a GPA of 3 and above or for families from the unified social protection register - 100%
Loan term
up to 84 mo.
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
0%/yearFor women, interest is covered by the State Fund (0% for the borrower)
online
differentiated
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 ↗
Dream of educationonline
Purpose
payment for bachelor's and master's studies (full-time, part-time, evening), super-contract and training courses
Rate (main case)
28%/year28% per annum for 4 yearsFor 2 years - 27%
Lowest rate
27%/yearfrom 27% (2 years)
Highest rate
28%/yearup to 28% (4 years)
Minimum amount
2 000 000 UZSfrom 2 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
24–48 mo.
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
other
Borrower age
18–40 years
Rates by term, amount and client category
Term
Amount
Rate
Repayment
24 mo.
from 2 000 000 UZS
27%/yearTerm 2 years - 27%
other
25–48 mo.
from 2 000 000 UZS
28%/yearTerm 4 years - 28%
other
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
Green energyonline
Purpose
purchase of solar photovoltaic stations, water heaters, batteries, heating systems and solar collectors
Available to
persons with official income and self-employed
Rate (main case)
20%/year20% per annum for 36 months
Lowest rate
20%/year20%
Highest rate
20%/year20%
Minimum amount
1 000 000 UZSfrom 1 mln UZSPer calculator
Maximum amount
200 000 000 UZSup to 200 mln UZSThe calculator is limited to 75 mln UZS
Loan term
12–38 mo.
Down payment
no down paymentnot provided
Early repayment
freeno penalties (bank’s general FAQ)General FAQ on the loan list page: early repayment without penalties; the terms of a specific product may differ
Grace period
6 mo.
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
other
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Rate
12 mo.
from 1 000 000 UZS
20%/yearRate per calculator
18 mo.
from 1 000 000 UZS
20%/yearRate per calculator
24 mo.
from 1 000 000 UZS
20%/yearRate per calculator
36 mo.
from 1 000 000 UZS
20%/yearRate per calculator
38 mo.
from 1 000 000 UZS
20%/yearRate per calculator
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 ↗
