Ipoteka Bank: 21 loans, types: auto loan, mortgage, 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Auto loans
Super Chevy
Purpose
purchase of a new Chevrolet (Onix, Tracker, Captiva, Damas, Labo) from official UzAuto dealers
Rate (main case)
0%/year0% per annum, term depends on the down payment amountinterest-free installments: the larger the down payment, the longer the permitted term (SC-4: 30/36/48/60 mo. with a down payment of 25/30/40/50%)
Lowest rate
0%/year0% per annum
Highest rate
0%/year0% per annum
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
up to 60 mo.
Down payment
25%/yearfrom 25% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Late payment penalty
2%/daypenalty of 2% per day on overdue interest (no more than 50%); on the overdue principal - 1,5 times the contractual rate
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–65 years
Decision time
decision at the dealer within a few minutes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
30 mo.
—
25%
0%/yearSC-4 (Onix, Tracker): with a down payment from 25% to 29.9% term 30 mo., rate 0%
annuity
36 mo.
—
30%
0%/yearSC-4 (Onix, Tracker): with a down payment from 30% to 39.9% term 36 mo., rate 0%
annuity
48 mo.
—
40%
0%/yearSC-4 (Onix, Tracker): with a down payment from 40% to 49.9% term 48 mo., rate 0%
annuity
60 mo.
—
50%
0%/yearSC-4 (Onix, Tracker): with a down payment from 50%, term 60 mo., rate 0%
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 ↗
Super Geely
Purpose
purchase of a new Geely (EX5 EV, EX5 EM-i, Monjaro, Emgrand, EX2 EV) from official partner dealers of FE LLC “GEELY AUTO WZ”
Rate (main case)
11.5%/year11,5% per annum for 36 months with a down payment from 25%per the page «0-14% (depends on the down payment and period)»
Lowest rate
0%/yearfrom 0% per annum12 months or high down payment
Highest rate
14%/yearup to 14% per annum60 months, down payment from 25%
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
12–60 mo.
Down payment
25%/yearfrom 25% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Late payment penalty
2%/daypenalty of 2% per day on overdue interest (no more than 50%); on the overdue principal - 1,5 times the contractual rate
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–65 years
Decision time
decision at the dealer within a few minutes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12 mo.
—
25%
0%/yearSGL-2 (EX2 EV)
annuity
36 mo.
—
25%
11.5%/yearSGL-2 (EX2 EV)
annuity
36 mo.
—
30%
10%/yearSGL-2 (EX2 EV)
annuity
36 mo.
—
40%
7.5%/yearSGL-2 (EX2 EV)
annuity
36 mo.
—
50%
4%/yearSGL-2 (EX2 EV)
annuity
60 mo.
—
25%
14%/yearSGL-2 (EX2 EV)
annuity
60 mo.
—
30%
13%/yearSGL-2 (EX2 EV)
annuity
60 mo.
—
40%
11%/yearSGL-2 (EX2 EV)
annuity
60 mo.
—
50%
8%/yearSGL-2 (EX2 EV)
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 ↗
Super ADM
Purpose
purchase of a new Chery, Changan, Haval or GWM from official dealer-distributors (Roodell, Changan Auto Distribution, Great Wall Motors Distribution)
Rate (main case)
14%/year14% per annum for 36 months with a down payment from 30% (AUTO 1 program)per the page: “0-15% per annum depending on the down payment”
Lowest rate
0%/yearfrom 0% per annum
Highest rate
15%/yearup to 15% per annumAUTO 1, 60 months, 30% down payment
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
12–60 mo.
Down payment
30%/yearfrom 30% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Late payment penalty
2%/daypenalty of 2% per day on overdue interest (no more than 50%); on the overdue principal - 1,5 times the contractual rate
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–65 years
Decision time
decision at the dealer within a few minutes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
36 mo.
—
30%
14%/year«Logotype AUTO 1» program, contribution from 30%
annuity
36 mo.
—
40%
12%/year«Logotype AUTO 1» program, contribution from 40%
annuity
36 mo.
—
50%
9%/year«Logotype AUTO 1» program, contribution from 50%
annuity
36 mo.
—
60%
5%/year«Logotype AUTO 1» program, contribution from 60%
annuity
60 mo.
—
30%
15%/year«Logotype AUTO 1» program, contribution from 30%
annuity
60 mo.
—
40%
13.5%/year«Logotype AUTO 1» program, contribution from 40%
annuity
60 mo.
—
50%
11.5%/year«Logotype AUTO 1» program, contribution from 50%
annuity
60 mo.
—
60%
8%/year«Logotype AUTO 1» program, contribution from 60%
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 ↗
Super ADM for KIA
Purpose
purchase of a new KIA car (all models) from LLC «Roodell»
Rate (main case)
14%/year14% per annum for 36 months with a down payment from 30% (AUTO 1 program)per the page: “0-15% per annum depending on the down payment”
Lowest rate
0%/yearfrom 0% per annum
Highest rate
15%/yearup to 15% per annumAUTO 1, 60 months, 30% down payment
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
12–60 mo.
Down payment
30%/yearfrom 30% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Late payment penalty
2%/daypenalty of 2% per day on overdue interest (no more than 50%); on the overdue principal - 1,5 times the contractual rate
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–65 years
Decision time
decision at the dealer within a few minutes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
36 mo.
—
30%
14%/year«Logotype AUTO 1» program, contribution from 30%
annuity
36 mo.
—
40%
12%/year«Logotype AUTO 1» program, contribution from 40%
annuity
36 mo.
—
50%
9%/year«Logotype AUTO 1» program, contribution from 50%
annuity
36 mo.
—
60%
5%/year«Logotype AUTO 1» program, contribution from 60%
annuity
60 mo.
—
30%
15%/year«Logotype AUTO 1» program, contribution from 30%
annuity
60 mo.
—
40%
13.5%/year«Logotype AUTO 1» program, contribution from 40%
annuity
60 mo.
—
50%
11.5%/year«Logotype AUTO 1» program, contribution from 50%
annuity
60 mo.
—
60%
8%/year«Logotype AUTO 1» program, contribution from 60%
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 ↗
Super Evolution
Purpose
purchase of a new LeapMotor, Aito or GAC from Evolution Motors partner dealers
Rate (main case)
15.5%/year15,5% per annum for 36 months with a down payment from 25%per the page «0-18% (depends on the down payment and period)»
Lowest rate
0%/yearfrom 0% per annum12 months, etc.
Highest rate
18%/yearup to 18% per annum60 months, down payment from 25%
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
12–60 mo.
Down payment
25%/yearfrom 25% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Late payment penalty
2%/daypenalty of 2% per day on overdue interest (no more than 50%); on the overdue principal - 1,5 times the contractual rate
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–65 years
Decision time
decision at the dealer within a few minutes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12 mo.
—
25%
0%/yearSLM-1
annuity
36 mo.
—
25%
15.5%/yearSLM-1
annuity
36 mo.
—
30%
14.5%/yearSLM-1
annuity
36 mo.
—
40%
12%/yearSLM-1
annuity
36 mo.
—
50%
8.5%/yearSLM-1
annuity
36 mo.
—
60%
4.5%/yearSLM-1
annuity
60 mo.
—
25%
18%/yearSLM-1
annuity
60 mo.
—
30%
17%/yearSLM-1
annuity
60 mo.
—
40%
15%/yearSLM-1
annuity
60 mo.
—
50%
12.5%/yearSLM-1
annuity
60 mo.
—
60%
12%/yearSLM-1
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 ↗
Super Changan
Purpose
purchase of a new Changan, Deepal, Nevo or Avatr from official dealers who are partners of Runking Motor
Rate (main case)
16.5%/year16,5% per annum for 36 months with a down payment from 25% (SCHAN-2 program)per the page «0,0-17,5% per annum (depends on the down payment)»; the agreement must contain the program name (SCHAN-2…5)
Lowest rate
0%/yearfrom 0% per annumprograms with a high down payment and a short term
Highest rate
17.5%/yearup to 17,5% per annumSCHAN-2, 60 months, down payment from 25%
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
12–60 mo.
Down payment
25%/yearfrom 25% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Late payment penalty
2%/daypenalty of 2% per day on overdue interest (no more than 50%); on the overdue principal - 1,5 times the contractual rate
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–65 years
Decision time
decision at the dealer within a few minutes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12 mo.
—
25%
9.9%/yearSCHAN-2 (NEVO, AVATR, CHANGAN, DEEPAL)
annuity
36 mo.
—
25%
16.5%/yearSCHAN-2
annuity
36 mo.
—
30%
15.5%/yearSCHAN-2
annuity
36 mo.
—
40%
13.5%/yearSCHAN-2
annuity
36 mo.
—
50%
11.5%/yearSCHAN-2
annuity
36 mo.
—
60%
8%/yearSCHAN-2
annuity
60 mo.
—
25%
17.5%/yearSCHAN-2
annuity
60 mo.
—
30%
16.9%/yearSCHAN-2
annuity
60 mo.
—
40%
15.9%/yearSCHAN-2
annuity
60 mo.
—
50%
13.9%/yearSCHAN-2
annuity
60 mo.
—
60%
11.9%/yearSCHAN-2
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 ↗
Super Cobalt
Purpose
purchase of a new Chevrolet Cobalt from official UzAuto dealers (sales contract ending in -SW or -SX)
Rate (main case)
17%/year17% per annum for 36 months with a 25% contributionpassport table: from 0% (12 mo., down payment from 60%) to 18.5% (60 mo., down payment 25-29.9%); 0% - only with a down payment from 60% and a 12 mo. term
Lowest rate
0%/yearfrom 0% per annum12 months, down payment from 60%
Highest rate
18.5%/yearup to 18,5% per annum60 months, down payment 25-29,9%
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
12–60 mo.
Down payment
25%/yearfrom 25% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Early repayment
freeno penalties or feesfull and partial early repayment without penalties, fees or other charges (product passport)
Late payment penalty
2%/daypenalty 2% per day of the overdue debt amount; 2% per day of the first payment with a portion of the principal for delay in registering the collateral
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–65 years
Decision time
decision at the dealer within a few minutes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12 mo.
—
25%
10%/yeardown payment from 25% to 29,9% (product passport)
annuity
12 mo.
—
30%
9%/yeardown payment from 30% to 39,9% (product passport)
annuity
12 mo.
—
40%
7%/yeardown payment from 40% to 49,9% (product passport)
annuity
12 mo.
—
50%
3.5%/yeardown payment from 50% to 59,9% (product passport)
annuity
12 mo.
—
60%
0%/yeardown payment from 60% (product passport)
annuity
24 mo.
—
25%
15%/yeardown payment from 25% to 29,9% (product passport)
annuity
24 mo.
—
30%
14.5%/yeardown payment from 30% to 39,9% (product passport)
annuity
24 mo.
—
40%
13.5%/yeardown payment from 40% to 49,9% (product passport)
annuity
24 mo.
—
50%
11.5%/yeardown payment from 50% to 59,9% (product passport)
annuity
24 mo.
—
60%
8.5%/yeardown payment from 60% (product passport)
annuity
36 mo.
—
25%
17%/yeardown payment from 25% to 29,9% (product passport)
annuity
36 mo.
—
30%
16.5%/yeardown payment from 30% to 39,9% (product passport)
annuity
36 mo.
—
40%
15.5%/yeardown payment from 40% to 49,9% (product passport)
annuity
36 mo.
—
50%
14%/yeardown payment from 50% to 59,9% (product passport)
annuity
36 mo.
—
60%
12%/yeardown payment from 60% (product passport)
annuity
48 mo.
—
25%
17.7%/yeardown payment from 25% to 29,9% (product passport)
annuity
48 mo.
—
30%
17.5%/yeardown payment from 30% to 39,9% (product passport)
annuity
48 mo.
—
40%
16.5%/yeardown payment from 40% to 49,9% (product passport)
annuity
48 mo.
—
50%
15.5%/yeardown payment from 50% to 59,9% (product passport)
annuity
48 mo.
—
60%
13.5%/yeardown payment from 60% (product passport)
annuity
60 mo.
—
25%
18.5%/yeardown payment from 25% to 29,9% (product passport)
annuity
60 mo.
—
30%
18%/yeardown payment from 30% to 39,9% (product passport)
annuity
60 mo.
—
40%
17%/yeardown payment from 40% to 49,9% (product passport)
annuity
60 mo.
—
50%
16%/yeardown payment from 50% to 59,9% (product passport)
annuity
60 mo.
—
60%
14.5%/yeardown payment from 60% (product passport)
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 ↗
Hyundai
Purpose
purchase of a new Hyundai (Elantra, Sonata, Tucson, Mufasa, Santa Fe, Palisade) from foreign enterprise LLC “HYUNDAI RM”
Rate (main case)
17.9%/year17,9% per annum for 36 months with a down payment from 25% (STANDARD program)per the page “0-19.9% (depends on down payment and period)”; COMFORT, LOYAL, Premium programs offer lower rates, down to 0%
Lowest rate
0%/yearfrom 0% per annumPremium/LOYAL programs with a high down payment
Highest rate
19.9%/yearup to 19,9% per annumSTANDARD, 60 mo.
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
12–60 mo.
Down payment
25%/yearfrom 25% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Late payment penalty
2%/daypenalty of 2% per day on overdue interest (no more than 50%); on the overdue principal - 1,5 times the contractual rate
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–65 years
Decision time
decision at the dealer within a few minutes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12–36 mo.
—
25%
17.9%/yearSTANDARD program: term 12-36 mo. at a single rate of 17,9%
annuity
12–36 mo.
—
30%
17.9%/yearSTANDARD program: term up to 36 mo.
annuity
12–36 mo.
—
50%
14.9%/yearSTANDARD program: term up to 36 mo.
annuity
60 mo.
—
25%
19.9%/yearSTANDARD program, 60 mo.
annuity
60 mo.
—
30%
19.9%/yearSTANDARD program, 60 mo.
annuity
60 mo.
—
50%
17.9%/yearSTANDARD program, 60 mo.
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 ↗
Super JET
Purpose
purchase of a new Jetour or Soueast from official dealers of the JSACA group
Rate (main case)
19%/year19% per annum for 36 months with a down payment from 25% (SJET-1 program)per the page: SJET-1 0,0-20,5%, SJET-2 and SJET-3 0,0-18,0% (depends on the contribution)
Lowest rate
0%/yearfrom 0% per annumhigh down payment, short term
Highest rate
20.5%/yearup to 20,5% per annumSJET-1, 60 months, down payment from 25%
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
12–60 mo.
Down payment
25%/yearfrom 25% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Late payment penalty
2%/daypenalty of 2% per day on overdue interest (no more than 50%); on the overdue principal - 1,5 times the contractual rate
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
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 ↗
Super DongFeng
Purpose
purchase of a new DongFeng (EP 008, Glory 580 Pro, C32, C31, T-King, K01S) from official dealers
Rate (main case)
20%/year20% per annum for 36 months with a down payment from 25%per the page “0-22% per annum (depending on the down payment)”
Lowest rate
0%/yearfrom 0% per annum12 months, down payment from 50%
Highest rate
22%/yearup to 22% per annum60 months, down payment from 25%
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
12–60 mo.
Down payment
25%/yearfrom 25% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Early repayment
freeno penalties or feesfull and partial early repayment without penalties, fees or other charges (product passport)
Late payment penalty
2%/daypenalty of 2% per day on overdue interest (no more than 50%); on the overdue principal - 1,5 times the contractual rate
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–65 years
Decision time
decision at the dealer within a few minutes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12 mo.
—
25%
12.5%/yearSDF-1
annuity
12 mo.
—
50%
0%/yearSDF-1
annuity
36 mo.
—
25%
20%/yearSDF-1
annuity
36 mo.
—
30%
19.5%/yearSDF-1
annuity
36 mo.
—
40%
18%/yearSDF-1
annuity
36 mo.
—
50%
15%/yearSDF-1
annuity
60 mo.
—
25%
22%/yearSDF-1
annuity
60 mo.
—
30%
21.5%/yearSDF-1
annuity
60 mo.
—
40%
20%/yearSDF-1
annuity
60 mo.
—
50%
18%/yearSDF-1
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 ↗
Cobalt Special
Purpose
purchase of a new Chevrolet Cobalt from official UzAuto dealers
Rate (main case)
21%/year21% per annum for a term of up to 5 yearsfixed rate, down payment from 30%
Lowest rate
21%/year21% per annum
Highest rate
21%/year21% per annum
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
12–60 mo.
Down payment
30%/yearfrom 30% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Early repayment
freeno penalties or feesfull and partial early repayment without penalties, fees or other charges (product passport)
Late payment penalty
2%/daypenalty of 2% per day on the amount of overdue debt
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–65 years
Decision time
decision at the dealer within a few minutes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12–60 mo.
—
30%
21%/yearterm from 12 to 60 mo. at a single rate; down payment from 30%
annuity
12–60 mo.
—
40%
21%/yearterm from 12 to 60 mo. at a single rate; down payment from 40%
annuity
12–60 mo.
—
50%
21%/yearterm from 12 to 60 mo. at a single rate; down payment from 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 ↗
Super BYD
Purpose
purchase of a new BYD (Song Plus DM-i, Song Pro DM-i, e2, Chazor, Song Plus EV) from official BYD dealers
Rate (main case)
21.9%/year21,9% per annum with a down payment from 25% (SBYD-1 program)the rate depends on the model, down payment and term: programs for Chazor/Song Plus DM-i from 11,9%, for e2 from 0% (12 mo.); 21,9% was taken as the base program for all models
Lowest rate
0%/yearfrom 0% per annummodel e2, term 12 mo.
Highest rate
21.9%/yearup to 21,9% per annumSBYD-1, down payment from 25%
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
12–60 mo.
Down payment
25%/yearfrom 25% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Late payment penalty
2%/daypenalty of 2% per day on overdue interest (no more than 50%); on the overdue principal - 1,5 times the contractual rate
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–65 years
Decision time
decision at the dealer within a few minutes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12 mo.
—
25%
0%/yearSBYD-9 (model e2)
annuity
36 mo.
—
25%
16.5%/yearSBYD-5 (Chazor, Song Plus DM-i)
annuity
36 mo.
—
25%
12%/yearSBYD-9 (model e2)
annuity
36 mo.
—
30%
16.5%/yearSBYD-6 (Chazor, Song Plus DM-i)
annuity
36 mo.
—
30%
10.5%/yearSBYD-9 (model e2)
annuity
36 mo.
—
40%
14.5%/yearSBYD-7 (Chazor, Song Plus DM-i)
annuity
36 mo.
—
40%
8.5%/yearSBYD-9 (model e2)
annuity
36 mo.
—
50%
12.9%/yearSBYD-8 (Chazor, Song Plus DM-i)
annuity
36 mo.
—
50%
5.5%/yearSBYD-9 (model e2)
annuity
36 mo.
—
60%
0.5%/yearSBYD-9 (model e2)
annuity
36–60 mo.
—
25%
21.9%/yearSBYD-1..4 programs (Song Pro DM-i, Song Plus EV, Song Plus DM-i, Chazor): term of 36 or 60 mo. at a single rate; down payment from 25%
annuity
60 mo.
—
25%
15.5%/yearSBYD-5 (Chazor, Song Plus DM-i)
annuity
60 mo.
—
25%
14%/yearSBYD-9 (model e2)
annuity
36–60 mo.
—
30%
20.9%/yearSBYD-2: term 36 or 60 mo.; down payment from 30%
annuity
60 mo.
—
30%
15.5%/yearSBYD-6 (Chazor, Song Plus DM-i)
annuity
36–60 mo.
—
40%
19.9%/yearSBYD-3: term 36 or 60 mo.; down payment from 40%
annuity
60 mo.
—
40%
13.5%/yearSBYD-7 (Chazor, Song Plus DM-i)
annuity
36–60 mo.
—
50%
18.9%/yearSBYD-4: term 36 or 60 mo.; down payment from 50%
annuity
60 mo.
—
50%
11.9%/yearSBYD-8 (Chazor, Song Plus DM-i)
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 ↗
R-BYD
Purpose
purchase of a new BYD (all models) from official BYD dealers
Rate (main case)
25%/year25% per annum with a 25% down payment30%, 40%, 50% down payment — 23,5% per annum
Lowest rate
23.5%/yearfrom 23,5% per annumcontribution from 30%
Highest rate
25%/year25% per annumdown payment 25%
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
12–60 mo.
Down payment
25%/yearfrom 25% of the car value
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Early repayment
freeno penalties or feesfull and partial early repayment without penalties, fees or other charges (product passport)
Late payment penalty
2%/daypenalty of 2% per day on overdue interest (no more than 50%); on the overdue principal - 1,5 times the contractual rate
Insurance
CASCO for the entire loan term, insured amount 100% of the car valuethe bank does not set the CASCO cost; it depends on the insurance company, model and term; it can be included in the loan
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–65 years
Decision time
decision at the dealer within a few minutes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12–60 mo.
—
25%
25%/yearterm from 12 to 60 mo. at a single rate; down payment 25%
annuity
12–60 mo.
—
30%
23.5%/yeardown payment 30%
annuity
12–60 mo.
—
40%
23.5%/yeardown payment 40%
annuity
12–60 mo.
—
50%
23.5%/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 ↗
R1
Purpose
purchase of a new or used car
Rate (main case)
27,99-29,99% per annumrange of rates on the product card, conditions for choosing the rate are not disclosed
Lowest rate
27.99%/yearfrom 27,99% per annum
Highest rate
29.99%/yearup to 29,99% per annum
Maximum amount
480 000 000 UZSup to 480 mln UZS
Loan term
up to 60 mo.
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
Osononline
Purpose
purchase of an apartment on the primary market (new construction from accredited developers)
Available to
citizens of Uzbekistan with a permanent official income and self-employed persons
Rate (main case)
16.99%/year16,99% per annum, fixed ratethe rate does not depend on the term (up to 240 mo.); for self-employed persons - a different down payment (30-50%), the same rate
Lowest rate
16.99%/year16,99% per annum
Highest rate
16.99%/year16,99% per annum
Minimum amount
50 000 000 UZS50 mln UZS
Maximum amount
480 000 000 UZSup to 480 mln UZS in Tashkent, up to 380 mln UZS in the regions and Karakalpakstanregions and the Rep. of Karakalpakstan — up to 380 mln UZS
Loan term
up to 240 mo.
Down payment
15%from 15% for official incomeself-employed: 30-50% depending on card turnover, credit history/assets and work experience; if there is an active microloan within the last 3 mo., its amount is added to the down payment
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: there are no additional costs or third-party services
Insurance
noneinsurance paid by the bankwhen buying on the primary market, insurance premium costs are covered by the bank; insurance is not mandatory for the client by law. After age 63 — a life insurance policy up to age 70 or a co-borrower with income
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
no
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
18–70 years
Decision time
preliminary decision in 10 minutes; funds — within 5 business days
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
240 mo.
50 000 000 – 480 000 000 UZS
15%
all clients
16.99%/yearofficial income; down payment from 15%
annuity
240 mo.
50 000 000 – 480 000 000 UZS
30%
special category
16.99%/yearself-employed: down payment 30% with a positive credit history or confirmed assets and card turnover over 6 mo.
annuity
240 mo.
50 000 000 – 480 000 000 UZS
40%
special category
16.99%/yearself-employed: down payment 40% without credit history and assets, self-employment experience of more than 2 years
annuity
240 mo.
50 000 000 – 480 000 000 UZS
50%
special category
16.99%/yearself-employed: down payment 50% with less than 2 years of experience without history/assets or without card turnover
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 ↗
Imkoniyatonline
Purpose
purchase of an apartment in a building under construction from the bank's partner developers (shared participation)
Available to
citizens of the Republic of Uzbekistan with official income; self-employed — only with a co-borrower; purchase from developers under the Master Agreement
Rate (main case)
20%/year20% per annum during the construction stageper the page «from 17 to 20%»: 20% — the rate during the construction stage; for developers China House and Stroy Premium House after the cadastre is obtained — 18%; for some projects 17% and lower
Lowest rate
17%/yearfrom 17% per annumpage header «from 17 to 20%»; by developer: Dreamland Parkent from 17%, Sharq bahori from 17,8%
Highest rate
23%/yearup to 23% per annum23% — self-employed with a co-borrower (FAQ); up to 20% for others
Minimum amount
50 000 000 UZS50 mln UZS
Maximum amount
1 700 000 000 UZSup to 1,7 bn UZS
Loan term
up to 240 mo.
Down payment
15%/yearfrom 15% (in the header and terms), per FAQ from 20%FAQ: for clients with a fixed income from 20%, for a self-employed person with a co-borrower from 30%; for developers in the new-build list more often «from 20%»
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–70 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
240 mo.
50 000 000 – 1 700 000 000 UZS
20%
all clients
20%/yearclient with a fixed income, construction stage; down payment from 20%
annuity
240 mo.
50 000 000 – 1 700 000 000 UZS
20%
all clients
18%/yearafter obtaining the cadastre from the developers China House and Stroy Premium House (20% during construction; the developer subsidizes the rate by 2%)
annuity
240 mo.
50 000 000 – 1 700 000 000 UZS
30%
special category
23%/yearself-employed with a mandatory co-borrower; 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 ↗
Maqulonline
Purpose
purchase of ready-made housing (apartment) on the primary or secondary market
Available to
citizens of Uzbekistan with confirmed official income (for the last 6 months)
Rate (main case)
21.5%/year21,5% per annumfixed rate for all terms of 120-240 mo.
Lowest rate
21.5%/year21,5% per annum
Highest rate
21.5%/year21,5% per annum
Minimum amount
50 000 000 UZS50 mln UZS
Maximum amount
1 000 000 000 UZSup to 1 bn UZSper the “Conditions” block: up to 1 bn UZS (Tashkent) / up to 550 mln UZS (regions and Karakalpakstan); per the FAQ: up to 800 mln UZS in Tashkent, up to 500 mln UZS in the regions
Loan term
120–240 mo.
Down payment
26%/yearfrom 26% of the housing cost
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Early repayment
freeno additional feeFAQ: early repayment is allowed without additional fees
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–70 years
Decision time
preliminary decision in 10 minutes; funds — within 5 business days
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
120–240 mo.
50 000 000 – 1 000 000 000 UZS
26%
21.5%/yearterm from 120 to 240 mo. at a single rate; down payment from 26%
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 ↗
Tijoratonline
Purpose
purchase of housing of any type (apartment or house) on the primary and secondary market, houses from auctions, properties from the bank's balance sheet
Available to
citizens of Uzbekistan with official income and self-employed (with and without a co-borrower)
Rate (main case)
22.5%/year22,5% per annumofficial income: 22,5-23% (range on the page); 22,5% is taken as the lower bound indicated by the loan list («from 22.5%»)
Lowest rate
22.5%/yearfrom 22,5% per annum
Highest rate
26.99%/yearup to 26,99% per annum26,99% — self-employed without a co-borrower
Minimum amount
50 000 000 UZS50 mln UZS
Maximum amount
1 700 000 000 UZSup to 1,7 bn UZS
Loan term
up to 240 mo.
Down payment
20%/yearfrom 20% for official incomeself-employed from 26%; if there is an active microloan in the last 3 mo., its amount is added to the down payment
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–70 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
240 mo.
50 000 000 – 1 700 000 000 UZS
20%
all clients
22.5%/yearofficial income, down payment from 20%; upper limit of the range 22,5-23%
annuity
240 mo.
50 000 000 – 1 700 000 000 UZS
20%
all clients
23%/yearofficial income, down payment from 20%; upper limit of the range 22,5-23%
annuity
240 mo.
50 000 000 – 1 700 000 000 UZS
26%
special category
22.5%/yearself-employed person with a mandatory co-borrower, rate 22,5-23% (range), down payment from 26%
annuity
240 mo.
50 000 000 – 1 700 000 000 UZS
26%
special category
26.99%/yearself-employed person without a co-borrower; down payment from 26% (30/40/50% with card turnover, 50% without turnover)
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 ↗
Renovation of an apartment or houseonline
Purpose
renovation of one's own apartment or house (finishing, materials, work); redevelopment, reconstruction and new construction are not financed
Available to
citizens of the Republic of Uzbekistan with a regular official income
Rate (main case)
from 18,99% per annum, the exact rate is determined at applicationrate «from», the main case is not disclosed
Lowest rate
18.99%/yearfrom 18,99% per annuma confirmed assessment on the green.uzmrc.uz website is required
Maximum amount
170 000 000 UZSup to 170 mln UZS
Loan term
up to 120 mo.
Issuance fee
freenoinformation sheet: no commissions or fees
Servicing fee
freenoinformation sheet: no additional expenses
Early repayment
freeno penalties or feesinterest is recalculated based on the actual term
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
21–70 years
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 ↗
Microloans
Microloanonlineno collateral
Purpose
for personal needs (renovation, wedding, appliances, etc.), available only in the Ipoteka Mobile app
Available to
citizens of Uzbekistan aged 20 and over: employed (salary for 6 mo.), self-employed, pensioners
Rate (main case)
from 24% to 48,9% per annum, the rate is determined individuallythe rate is calculated automatically based on income, credit history and debt load and is shown in the app before confirmation
Lowest rate
24%/yearfrom 24% per annum
Highest rate
48.9%/yearup to 48,9% per annum
Minimum amount
1 000 000 UZS1 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
36–60 mo.
Issuance fee
freefree application submission
Servicing fee
freefree servicing
Early repayment
freeno commissionfull and partial repayment via Ipoteka Mobile without commission
Late payment penalty
2%/daypenalty of 2% per day on overdue interest (no more than 50% of the overdue amount); 180% of the overdue part of the principalinformation sheet: penalty of 180% of the overdue principal debt for the entire period of delay
Insurance
3%voluntary insurance of 3% of the loan amountvoluntary, deducted from the loan amount; refusal does not affect the decision; insurer Imkon-Sug'urta OTP Group; term of no more than 36 mo.
Collateral
no
Guarantor
no
Proof of income
no
Insurance required
no
Early repayment allowed
yes
Repayment scheme
annuity
Borrower age
20–70 years
Decision time
in 2 minutes
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 self-employedonlineno collateral
Purpose
for developing a self-employed person’s own business (equipment, raw materials, rent); the purpose is chosen by the client; applied for in the Ipoteka Mobile app
Available to
citizens of Uzbekistan with self-employed status
Rate (main case)
from 24% per annum, the exact rate is set individuallyrate «from», the main case is not disclosed
Lowest rate
24%/yearfrom 24% per annum
Minimum amount
1 000 000 UZS1 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
3–36 mo.
Early repayment
freeno penalties or fees
Collateral
no
Guarantor
no
Proof of income
no
Early repayment allowed
yes
Decision time
in 2 minutes (automatic check via Soliq and scoring)
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 ↗
