Hayot Bank loans: rates and terms
Rates as of 23.10.2026More details
Hayot Bank: 1 loan, types: microloan.
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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Microloans
Yakhshisi onlineno collateral
| Purpose | for the client's personal needs (for any purpose) |
|---|---|
| Rate (main case) | 40%/year40% per annumRate on the term part of the principal; a single rate for the entire term range up to 48 months and amounts of 1-100 mln UZS. Product passport, cl. 11; page, “Conditions” tab |
| Lowest rate | 40%/year40% per annumSingle product rate |
| Highest rate | 40%/year40% per annumSingle product rate |
| Minimum amount | 1 000 000 UZSfrom 1 mln UZSProduct passport, item 10; FAQ and calculator on the website |
| Maximum amount | 100 000 000 UZSup to 100 mln UZSThe one-time total amount of all loans to an individual must not exceed 100 mln UZS (passport, clause 10) |
| Loan term | 1–48 mo. |
| Issuance fee | freeno issuance feeWebsite: «The microloan is issued without additional costs and fees»; «Terms without hidden payments and fees» |
| Servicing fee | freeno service feeWebsite: "Microloan is issued without additional costs and fees" |
| Late payment penalty | 60%/year60% per annum on the overdue portion of the principalPage: «1,5 times the interest rate accrued on the term portion» (1,5 x 40%); passport, item 11: 60% per annum |
| Insurance | an insurance policy against the risk of loan non-repayment is mandatoryThe amount of the insurance premium is not specified; the policy must cover no more than 50% of the microloan amount (passport, clause 14) |
| Collateral | no |
| Guarantor | no |
| Proof of income | yes |
| Insurance required | yes |
| Repayment scheme | annuity |
| Borrower age | 21–65 years |
| Decision time | in 5 minutes |
Rates by term, amount and client category
| Term | Amount | Rate | Repayment |
|---|---|---|---|
| 1–48 mo. | 1 000 000 – 100 000 000 UZS | 40%/yearOne rate for a term of 1 to 48 months; no interest is accrued for the first 10 calendar days from the date of the contract | 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 ↗