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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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
Consumerno collateral
Purpose
purchase of locally produced goods and payment for services (household appliances, furniture, education, medical treatment, vacation, renovation, wedding, sports equipment)
Available to
citizens of the Republic of Uzbekistan and stateless persons with permanent residence, official income, length of service at the last job of at least 12 months
Rate (main case)
30%/year30% per annum for 36 monthsUp to 12 months - 26%, up to 24 months - 28%, up to 36 months - 30%
Lowest rate
26%/yearfrom 26%For a term of 12 mo.
Highest rate
30%/yearup to 30%For a term of 36 mo.
Minimum amount
4 120 000 UZSfrom 10 BCV (4,12 mln UZS)BCV = 412 000 UZS per other pages of the bank; not specified on the consumer loan page
Maximum amount
200 000 000 UZSup to 200 mln UZS
Loan term
12–36 mo.
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
no
Accepted as collateral
real estate, car, deposit, gold, other
Guarantor
yes
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
18–60 years
Decision time
up to 3 business days
Rates by term, amount and client category
Term
Amount
Rate
Repayment
12 mo.
4 120 000 – 200 000 000 UZS
26%/yearTerm 12 months
annuity
24 mo.
4 120 000 – 200 000 000 UZS
28%/yearTerm 24 months
annuity
36 mo.
4 120 000 – 200 000 000 UZS
30%/yearTerm 36 months
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Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 ↗
Auto loans
Auto DAMASonline
Purpose
purchase of Damas cars sold through JSC UzAvto Motors
Available to
persons with official income; also self-employed and persons without official income
Rate (main case)
0%/year0% per annum for a term of up to 26 monthsThe term depends on the down payment size; there is no 36-month base term, the maximum 26 was taken
Lowest rate
0%/year0%
Highest rate
0%/year0%
Maximum amount
600 000 000 UZSup to 600 mln UZSUp to 400 mln UZS - for self-employed and persons with unofficial income
Loan term
up to 26 mo.
Down payment
25%from 25%
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
26 mo.
up to 600 000 000 UZS
25%
0%/yearTerm up to 26 months depending on the down payment amount
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 ↗
Auto UzAuto Motorsonline
Purpose
purchase of cars produced in Uzbekistan and sold by JSC UzAuto Motors (Damas, Captiva, Labo, Onix, Tracker)
Available to
persons with official income; also self-employed and persons without official income
Rate (main case)
0%/year0% per annum for a term of up to 60 monthsThere is no base term of 36 months: the nearest longer one, 60, is taken (Onix, Tracker; down payment from 30%). Damas, Captiva - up to 26 months, Labo - up to 21 months; 0% everywhere
Lowest rate
0%/year0%
Highest rate
0%/year0%
Maximum amount
600 000 000 UZSup to 600 mln UZSUp to 400 mln UZS - for self-employed and persons with unofficial income
Loan term
up to 60 mo.
Down payment
25%from 25%Onix and Tracker - from 30%; self-employed and unofficial income - from 30%
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
21 mo.
up to 600 000 000 UZS
25%
all clients
0%/yearLabo: term up to 21 months; down payment from 25% (official income)
annuity
21 mo.
up to 400 000 000 UZS
30%
special category
0%/yearLabo: self-employed and unofficial income, down payment from 30%
annuity
26 mo.
up to 600 000 000 UZS
25%
all clients
0%/yearDamas and Captiva: term up to 26 months; down payment from 25% (official income), Captiva - at least 30%
annuity
26 mo.
up to 400 000 000 UZS
30%
special category
0%/yearDamas and Captiva: self-employed and unofficial income, down payment from 30%
annuity
60 mo.
up to 600 000 000 UZS
30%
all clients
0%/yearOnix and Tracker: term up to 60 months, down payment from 30%
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 ↗
Auto light
Purpose
purchase of a car of any make on the primary and secondary markets
Available to
persons with an official income, as well as self-employed persons and persons without an official income
Rate (main case)
25.99%/year25,99% per annum for a term of 1 to 5 yearsUp to 1 year - 23,99%; for borrowers with official income
Lowest rate
23.99%/yearfrom 23,99%Up to 1 year, official income
Highest rate
30%/yearup to 30%GM Uzbekistan cars 5-7 years: self-employed, as well as official income for a term of 1-3 years
Maximum amount
600 000 000 UZSup to 600 mln UZS
Loan term
12–60 mo.
Down payment
25%from 25%25% - cars produced in Uzbekistan (30% if the price exceeds 600 mln); 30% - new foreign cars up to 300 mln UZS and any used foreign cars; 40% - new foreign cars and electric vehicles over 300 mln; 25% - GM Uzbekistan 5-7 years old
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Clients
Rate
Repayment
12 mo.
up to 600 000 000 UZS
all clients
23.99%/yearOfficial income, term up to 1 year
annuity
12 mo.
up to 600 000 000 UZS
all clients
28%/yearCars produced by GM Uzbekistan with a production age of 5-7 years, term up to 1 year; down payment from 25%
annuity
12 mo.
up to 600 000 000 UZS
salary clients
26%/yearWebsite line: for participants of active payroll projects, up to 1 year. It appears after the GM 5-7 years block, possibly relates to them (not stated directly)
annuity
13–36 mo.
up to 600 000 000 UZS
all clients
30%/yearGM Uzbekistan cars aged 5-7 years, term from 1 to 3 years
annuity
13–36 mo.
up to 600 000 000 UZS
salary clients
28%/yearSite line: for participants of active payroll projects, from 1 to 3 years (see the comment above)
annuity
13–60 mo.
up to 600 000 000 UZS
all clients
25.99%/yearOfficial income, term from 1 to 5 years
annuity
12–60 mo.
up to 600 000 000 UZS
special category
27%/yearSelf-employed and persons without official income, term from 1 to 5 years
annuity
12–60 mo.
up to 600 000 000 UZS
special category
30%/yearSelf-employed and persons without official income, GM Uzbekistan cars 5-7 years old
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 ↗
ASAKA MOTORSonline
Purpose
purchase of vehicles produced in Uzbekistan and sold through ASAKA MOTORS INTERNATIONAL LLC
Available to
clients with proof of income; self-employed and clients with a debt burden of up to 100%
Lowest rate
0%/yearfrom 0%From 0% to 13% per annum depending on the client category, down payment and term
Highest rate
13%/yearup to 13%Depending on the client category, down payment and term
Maximum amount
400 000 000 UZSup to 400 mln UZSUp to 350 mln UZS - for self-employed and clients with a debt burden of up to 100%
Loan term
up to 60 mo.
Down payment
25%from 25%30% - for self-employed and clients with a debt burden of up to 100%
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
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 ↗
Auto ADMonline
Purpose
purchase of Kia and Chery cars manufactured by ADM Jizzakh LLC and sold through Roodell LLC
Available to
persons with official income; also self-employed and persons without official income
Lowest rate
0%/yearfrom 0%The rate depends on the car model, the amount of the down payment and the term; the maximum is not specified on the page
Maximum amount
600 000 000 UZSup to 600 mln UZSUp to 400 mln UZS - for self-employed and persons with unofficial income
Loan term
up to 60 mo.
Down payment
25%from 25%30% for self-employed and persons with informal income; for Kia Seltos, K9, K8, Carnival - at least 30% (proven income) / 35% (self-employed and debt burden up to 100%); for Chery Tiggo 2 - 31%
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
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 ↗
Auto CHANGANonline
Purpose
purchase of CHANGAN cars produced by ADM Jizzakh LLC and sold through CHANGAN AVTO DISTRIBUTION LLC
Available to
persons with official income; also self-employed and persons without official income
Lowest rate
0%/yearfrom 0%The rate depends on the model, down payment and term; the maximum is not specified on the page
Maximum amount
600 000 000 UZSup to 600 mln UZSUp to 400 mln UZS - for self-employed and persons with unofficial income
Loan term
up to 60 mo.
Down payment
25%from 25%30% for self-employed and persons with unofficial income
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
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 ↗
Auto CHERY SPECIALonline
Purpose
purchase of CHERY cars manufactured by ADM Jizzakh LLC and sold through Roodell LLC
Available to
persons with official income; also self-employed and persons without official income
Lowest rate
0%/yearfrom 0%From 0% to 15,5% per annum depending on the down payment and term
Highest rate
15.5%/yearup to 15,5%Depending on the down payment and term
Maximum amount
600 000 000 UZSup to 600 mln UZS
Loan term
up to 60 mo.
Down payment
25%from 25%
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
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 ↗
Auto HAVALonline
Purpose
purchase of HAVAL cars produced by LLC ADM Jizzakh and sold through LLC Great Wall Motors Distribution
Available to
persons with official income; also self-employed and persons without official income
Lowest rate
0%/yearfrom 0%The rate depends on the model, down payment and term; the maximum is not specified on the page
Maximum amount
600 000 000 UZSup to 600 mln UZSUp to 400 mln UZS - for self-employed and persons with unofficial income
Loan term
up to 60 mo.
Down payment
25%from 25%30% for self-employed and persons with informal income; for Haval H6, H9, Wingle 7 - at least 30% (confirmed income) / 35% (self-employed and debt burden up to 100%)
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
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 ↗
Auto JAConline
Purpose
purchase of JAC M3, M4, Sunray, T8, T9, JS8, Refine RF8 cars (JAC Motors Toshkent LLC)
Available to
persons with official income; also self-employed and persons without official income
Lowest rate
0%/yearfrom 0%From 0% to 24,5% per annum depending on the down payment, term and income status
Highest rate
24.5%/yearup to 24,5%Depending on the down payment, term and income status
Maximum amount
600 000 000 UZSup to 600 mln UZSUp to 300 mln UZS - for self-employed (up to 600 mln including microloans)
Loan term
up to 60 mo.
Down payment
25%from 25%30% for self-employed persons and persons with an unofficial income; 30% for JAC M3 Lyuks under the promotion
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
29 mo.
up to 215 460 000 UZS
30%
0%/yearJAC M3 Lyuks 2025 model year promotion: 0% per annum for up to 29 months; the car price is fixed at 215 460 000 UZS; the contract with the car showroom must end with RR
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 ↗
Auto KIA Sonetonline
Purpose
purchase of KIA Sonet cars manufactured by ADM Jizzakh LLC and sold through Roodell LLC
Available to
persons with official income; also self-employed and persons without official income
Lowest rate
0%/yearfrom 0%From 0% to 18,5% per annum depending on the down payment and term
Highest rate
18.5%/yearup to 18,5%Depending on the down payment and term
Maximum amount
600 000 000 UZSup to 600 mln UZS
Loan term
up to 60 mo.
Down payment
25%from 25%
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
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 ↗
Mortgages
For buying an apartment on the primary market
Purpose
purchase of an apartment on the primary housing market with funds of the Ministry of Economy and Finance of the Republic of Uzbekistan (with possible subsidization)
Available to
citizens of the Republic of Uzbekistan aged 18-60: persons with official income and self-employed
Rate (main case)
17.5%/year17,5% per annum with a down payment of 15% to 25%17% with a down payment above 25% (official income)
Lowest rate
17%/yearfrom 17%Official income, down payment over 25%
Highest rate
17.5%/yearup to 17,5%Official income with a down payment of 15-25%; no official income and self-employed with a down payment from 25%
Maximum amount
1 000 000 000 UZSup to 1 bn UZSOfficial income: funded by the Ministry of Finance - Tashkent up to 480 mln, regions up to 380 mln, the remainder - the bank's own funds on market terms; without official income and self-employed - up to 1 bn regardless of region
Loan term
up to 240 mo.
Down payment
15%from 15%
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
240 mo.
up to 480 000 000 UZS
15%
all clients
17.5%/yearOfficial income, down payment from 15% to 25% inclusive; at the expense of the Ministry's funds (up to 20 years); Tashkent - up to 480 mln, regions - up to 380 mln
annuity
240 mo.
up to 480 000 000 UZS
25%
all clients
17%/yearOfficial income, down payment over 25%
annuity
240 mo.
up to 1 000 000 000 UZS
25%
special category
17.5%/yearWithout official income and self-employed, down payment from 25%; up to 1 bn UZS regardless of region
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 ↗
Yashil ta’mir
Purpose
renovation of the borrower's main residential premises (energy-efficient renovation under the Green Renovation certificate); redevelopment and construction are not included
Available to
citizens of Uzbekistan and stateless persons with permanent residence, stable income; average monthly total family income of no more than 15 mln UZS
Rate (main case)
19%/year19% per annum for a term of up to 10 yearsThe first line is temporarily suspended, the second line is in effect; the terms of the lines on the page are the same
Lowest rate
19%/year19%
Highest rate
19%/year19%
Maximum amount
350 000 000 UZSup to 350 mln UZSFor Tashkent and New Tashkent up to 350 mln; for other regions up to 250 mln
Loan term
up to 120 mo.
Down payment
no down paymentnot required
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Rate
Repayment
120 mo.
up to 350 000 000 UZS
19%/yearTashkent and New Tashkent - up to 350 mln UZS, other regions - up to 250 mln UZS
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 purchase and renovation of a house
Purpose
purchase of an apartment in a new apartment building on the primary market (commissioned no more than 3 years ago) and home renovation
Available to
citizens of the Republic of Uzbekistan and stateless persons with permanent residence; average monthly total family income no more than 15 mln UZS
Rate (main case)
19%/year19% per annum for housing purchase, 20 yearsHome renovation - 19,5% for 10 years; the rate is reviewed once every 3 years
Lowest rate
19%/yearfrom 19%Home purchase
Highest rate
19.5%/year19,5%Home renovation
Maximum amount
800 000 000 UZSup to 800 mln UZSTashkent - up to 800 mln, regions - up to 500 mln; for renovation - up to 140 mln
Loan term
up to 240 mo.
Down payment
26%at least 26%Not provided for renovation
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
120 mo.
up to 140 000 000 UZS
—
19.5%/yearRenovation of housing and apartments in multi-storey buildings (without reconstruction); up to 140 mln UZS; term 10 years; the rate is reviewed once every 3 years
annuity
240 mo.
up to 800 000 000 UZS
26%
19%/yearPurchase of an apartment; Tashkent - up to 800 mln, regions - up to 500 mln; term 20 years; the rate is reviewed once every 3 years
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 ↗
Beneficial for your home
Purpose
purchase of new or secondary housing, housing renovation (from the bank's own funds)
Available to
citizens of the Republic of Uzbekistan and stateless persons with permanent residence and a stable income; persons with official income and the self-employed
Rate (main case)
26%/year26% per annum for housing purchase with a down payment of 25% to 30%Debt burden of no more than 50%; term up to 10 years
Lowest rate
21.5%/yearfrom 21,5%Newly registered self-employed persons (no more than 6 months) with refinancing through the Uzbekistan Mortgage Refinancing Company
Highest rate
27%/yearup to 27%Debt burden from 50% to 100%, down payment of at least 30%
Maximum amount
1 000 000 000 UZSup to 1 bn UZSHome purchase - up to 1 bn; renovation - up to 340 mln UZS
Loan term
up to 120 mo.
Down payment
25%from 25%30% for borrowers with a debt burden of 50% to 100%; not required for renovation
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
120 mo.
up to 340 000 000 UZS
—
all clients
26%/yearHousing renovation, debt burden up to 50%, no down payment
annuity
120 mo.
up to 340 000 000 UZS
—
all clients
27%/yearHome renovation, debt burden from 50% to 100%, no down payment
annuity
120 mo.
up to 340 000 000 UZS
—
new clients
21.5%/yearHousing renovation: self-employed first registered no more than 6 months ago, without a down payment
annuity
120 mo.
up to 1 000 000 000 UZS
25%
all clients
26%/yearHome purchase, debt burden up to 50%, down payment from 25% to 30%
annuity
120 mo.
up to 1 000 000 000 UZS
25%
all clients
25%/yearHome purchase, debt burden up to 50%, down payment 25-30% and accumulation of the down payment in the Targeted Mortgage Deposit for at least 6 months
annuity
120 mo.
up to 1 000 000 000 UZS
30%
all clients
25%/yearHome purchase, debt burden up to 50%, down payment from 30%
annuity
120 mo.
up to 1 000 000 000 UZS
30%
all clients
27%/yearHousing purchase, debt burden from 50% to 100%, down payment of at least 30%
annuity
120 mo.
up to 1 000 000 000 UZS
30%
all clients
26%/yearHome purchase, debt burden from 50% to 100%, down payment from 30% and accumulation in the Targeted Mortgage Deposit for at least 6 months
annuity
120 mo.
up to 1 000 000 000 UZS
30%
new clients
21.5%/yearHome purchase: self-employed persons first registered no more than 6 months ago, down payment from 30%, term of at least 10 years, refinancing through JSC Uzbek Mortgage Refinancing Company
annuity
120 mo.
up to 1 000 000 000 UZS
40%
all clients
26%/yearHousing purchase, debt burden from 50% to 100%, down payment of at least 40%
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 ↗
Shared-equity mortgage
Purpose
purchase of an apartment in an apartment building under construction from a developer that has concluded a general agreement with Hamkorbank
Available to
citizens of the Republic of Uzbekistan aged 18-60 with official or unofficial income; up to three co-borrowers
Rate (main case)
26%/year26% per annum until construction is completedAfter the apartment is commissioned, collateral is registered and refinancing is done - 18%; if the loan is not refinanced - 26%
Lowest rate
18%/yearfrom 18%After commissioning, execution of the collateral agreement and refinancing of the loan
Highest rate
26%/year26%Until construction is completed or if the loan has not been refinanced
Maximum amount
420 000 000 UZSup to 420 mln UZSTashkent - up to 420 mln; Karakalpakstan and regions - up to 330 mln
Loan term
up to 240 mo.
Down payment
15%from 15%At least 35% for clients without official income; the down payment is paid into an escrow account; the state subsidy is counted as part of the down payment
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
240 mo.
up to 420 000 000 UZS
15%
all clients
26%/yearUntil the construction of the apartment is completed (and without refinancing); official income, down payment from 15%; Tashkent - up to 420 mln, regions - up to 330 mln
annuity
240 mo.
up to 420 000 000 UZS
15%
all clients
18%/yearAfter the apartment is commissioned, collateral is registered and the loan is refinanced
annuity
240 mo.
up to 420 000 000 UZS
35%
special category
26%/yearWithout official income, down payment of at least 35%; until construction is completed
annuity
240 mo.
up to 420 000 000 UZS
35%
special category
18%/yearWithout official income, after handover, collateral and refinancing
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
Microloan Plusonline
Purpose
for any purpose
Available to
self-employed
Rate (main case)
23.99%/year23,99% per annum for a term of up to 12 monthsFor recipients with a debt burden of up to 50%; for a term of up to 60 months - 25,99%. Collateral is required.
Lowest rate
23.99%/yearfrom 23,99%Up to 12 months with a debt burden of up to 50%
Highest rate
29.99%/yearup to 29,99%Up to 60 months, debt burden is not taken into account, collateral - a car older than 5 and not older than 7 years
Minimum amount
20 600 000 UZSfrom 20,6 mln UZS (50 BCV)1 BCV = 412 000 UZS (effective from 01.08.2025 per the page)
Maximum amount
300 000 000 UZSup to 300 mln UZS
Loan term
up to 60 mo.
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
yes
Accepted as collateral
car, real estate
Early repayment allowed
yes
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Clients
Rate
Repayment
12 mo.
20 600 000 – 300 000 000 UZS
all clients
23.99%/yearDebt burden up to 50%
annuity
12 mo.
20 600 000 – 300 000 000 UZS
all clients
27.99%/yearDebt burden up to 50%; collateral - a car older than 5 and not older than 7 years (surcharge)
annuity
12 mo.
20 600 000 – 300 000 000 UZS
special category
25.99%/yearRecipients for whom the debt burden is not taken into account
annuity
12 mo.
20 600 000 – 300 000 000 UZS
special category
28.99%/yearDebt burden is not taken into account; collateral - a car older than 5 and not older than 7 years
annuity
13–60 mo.
20 600 000 – 300 000 000 UZS
all clients
25.99%/yearDebt burden up to 50%
annuity
13–60 mo.
20 600 000 – 300 000 000 UZS
all clients
28.99%/yearDebt burden up to 50%; collateral - a car older than 5 and not older than 7 years (surcharge)
annuity
13–60 mo.
20 600 000 – 300 000 000 UZS
special category
27.99%/yearRecipients for whom the debt burden is not taken into account
annuity
13–60 mo.
20 600 000 – 300 000 000 UZS
special category
29.99%/yearDebt burden is not taken into account; collateral - a car older than 5 and not older than 7 years
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 ↗
Start microloan
Purpose
financing of self-employed activities aimed at generating income
Available to
individuals who first registered as self-employed no more than 6 months ago
Rate (main case)
32%/year32% per annum for a term of up to 36 monthsSingle rate for the entire term range
Lowest rate
32%/year32%
Highest rate
32%/year32%
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
up to 36 mo.
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Accepted as collateral
car, real estate
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–60 years
Rates by term, amount and client category
Term
Amount
Rate
Repayment
36 mo.
up to 100 000 000 UZS
32%/yearSingle rate 32% per annum
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 ↗
Light 2 microloanno collateral
Purpose
for any purpose
Lowest rate
23%/yearfrom 23%Range on the page: from 23% to 38% per annum
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
no
Guarantor
no
Early repayment allowed
yes
Repayment scheme
annuity
Decision time
up to 3 business days
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 ↗
Onlineonlineno collateral
Purpose
for any purpose
Available to
citizens of the Republic of Uzbekistan with official employment and a stable income for the last 12 months
Lowest rate
23%/yearfrom 23%Rate from the page’s card and conditions table: from 23% to 38% per annum; the dependence of the rate on term and amount is not specified on the page
Highest rate
38%/yearup to 38%Upper limit of the 23-38% range from the loan page
Minimum amount
1 000 000 UZSfrom 1 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
6–36 mo.
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
no
Guarantor
no
Early repayment allowed
yes
Repayment scheme
annuity
Decision time
in 1 minute
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
For education
Purpose
tuition payment at a university / vocational education on a fee-paying contract basis
Available to
students - citizens of the Republic of Uzbekistan (bachelor's, master's, full-time, paid contract); from the funds of the Ministry of Economy and Finance
Rate (main case)
14%/year14% per annumFor women also 14%, the interest is covered by the Educational Loan Financing Fund under the Ministry of Economy and Finance
Lowest rate
14%/year14%
Highest rate
14%/year14%
Maximum amount
under the tuition agreementFirst year - the full contract amount; second year onward with GPA below 3 - no more than 80% of the contract amount after the student pays 20%; with GPA 3 and above or for family members from the Unified Social Protection Register - the full amount
Loan term
up to 84 mo.
Down payment
no down payment0% on the full contract amountFor second-year and later students with a GPA below 3 - 20% of the contract amount is paid by the student
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Late payment penalty
0.4%/day0,4% per day of the overdue debt amountPenalty for late payment of interest; for overdue principal the rate is increased by one and a half times
Accepted as collateral
real estate, gold, deposit, other
Early repayment allowed
yes
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Rate
Repayment
84 mo.
—
14%/yearRepayment over 7 years, starting from the seventh month after graduation; interest is paid during studies
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 studying abroad
Purpose
studies (bachelor's, master's) at foreign universities from the TOP-300 of the QS or Times Higher Education rankings
Available to
citizens of Uzbekistan aged 18-30 inclusive, as well as teaching staff up to 45 years inclusive
Rate (main case)
14%/year14% per annumRepayment over 7 years, starting from the seventh month after graduation
Lowest rate
14%/year14%
Highest rate
14%/year14%
Maximum amount
up to the equivalent of 20 000 US dollars in UZS for each academic yearThe limit is expressed in US dollars (in the national currency); the UZS amount depends on the exchange rate
Loan term
up to 84 mo.
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Accepted as collateral
car, real estate, deposit, gold, other
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
18–30 years
Rates by term, amount and client category
Term
Amount
Rate
Repayment
84 mo.
—
14%/yearRepayment over 7 years starting from the seventh month after graduation; grace period — the study period and 6 months after
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 ↗
Other loans
Green consumerno collateral
Purpose
purchase and installation of green energy equipment and energy-efficient goods
Available to
citizens of Uzbekistan aged 18-60; part of the interest payments may be compensated from the Fund's resources
Rate (main case)
19%/year19% per annum for 36 monthsPart of the interest payments may be compensated from the Fund's resources if the bank's requirements are met
Lowest rate
19%/year19%
Highest rate
19%/year19%
Minimum amount
4 120 000 UZSfrom ten times the BCV (4,12 mln UZS)BCV = 412 000 UZS per other pages of the bank; the BCV value is not stated on this page
Maximum amount
200 000 000 UZSup to 200 mln UZS
Loan term
36 mo.
Early repayment
freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page)
Collateral
no
Accepted as collateral
real estate, deposit, gold, other
Guarantor
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
18–60 years
Decision time
up to 3 business days
Rates by term, amount and client category
Term
Amount
Rate
Repayment
36 mo.
4 120 000 – 200 000 000 UZS
19%/yearTerm strictly 36 months
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 ↗
