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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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
Qulay Nasiya (Cobalt)residents only
Purpose
purchase of a new Cobalt car from UzAuto Motors (interest-free installments/microcredit, funds are transferred to the bank’s partner)
Available to
self-employed
Rate (main case)
0%/year0% per annum for a term of 18-36 monthsinterest-free installment
Lowest rate
0%/year0% per annum
Highest rate
0%/year0% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
300 000 000 UZSup to 300 mln UZS
Loan term
18–36 mo.
Down payment
30%down payment from 30% of the car pricecalculator: 30-55%
Insurance
120%insurance against the risk of non-repayment for an amount of at least 120% of the loan for the entire termcost not specified
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
18–36 mo.
1 000 000 – 300 000 000 UZS
30%
0%/yearterm 18-36 mo. (card, page heading), down payment from 30%; the calculator allows a term of up to 55 mo. and a down payment of 30-55%
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Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 ↗
Reliable Start 10.0residents only
Purpose
purchase of Chevrolet Onix and Tracker on the primary market from UzAuto Motors and official dealers
Available to
self-employed and individual entrepreneurs
Rate (main case)
0%/year0% per annum for the entire termthe term depends on the down payment (33-62 mo.)
Lowest rate
0%/year0% per annum
Highest rate
0%/year0% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
300 000 000 UZSup to 300 mln UZS
Loan term
30–62 mo.
Down payment
30%down payment from 30%page table: 30-50%
Insurance required
yes
Repayment scheme
annuity
Borrower age
20–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
33 mo.
1 000 000 – 300 000 000 UZS
30%
0%/yearTracker and Onix, insurance is paid by the bank
annuity
40 mo.
1 000 000 – 300 000 000 UZS
30%
0%/yearTracker and Onix, insurance included in the loan amount
annuity
41 mo.
1 000 000 – 300 000 000 UZS
40%
0%/yearTracker and Onix, insurance is paid by the bank
annuity
46 mo.
1 000 000 – 300 000 000 UZS
45%
0%/yearTracker and Onix, insurance is paid by the bank
annuity
49 mo.
1 000 000 – 300 000 000 UZS
40%
0%/yearTracker and Onix, insurance included in the loan amount
annuity
54 mo.
1 000 000 – 300 000 000 UZS
50%
0%/yearTracker and Onix, insurance is paid by the bank
annuity
62 mo.
1 000 000 – 300 000 000 UZS
50%
0%/yearTracker and Onix, insurance included in the loan 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 ↗
Successful Business +residents only
Purpose
purchase of Damas, Labo, Captiva cars on the primary market from UzAuto Motors or official dealers (for business needs)
Available to
self-employed and individual entrepreneurs
Rate (main case)
0%/year0% per annum (the term depends on the down payment)0% term - from 12 to 34 mo. depending on the model and down payment (page table)
Lowest rate
0%/yearfrom 0%
Highest rate
19%/year19% per calculatoronly in the calculator for terms of 15-34 mo.; on the page and card the rate is 0%
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
300 000 000 UZSup to 300 mln UZS
Loan term
10–34 mo.
Down payment
25%down payment from 25%page table: 25-60%
Insurance
insurance is included in the loan amountcost not specified
Insurance required
yes
Repayment scheme
annuity
Borrower age
20–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12 mo.
from 1 000 000 UZS
25%
0%/yearLabo models, insurance included in the loan amount; term at 0% with this down payment according to the page table
annuity
13 mo.
from 1 000 000 UZS
30%
0%/yearLabo models, insurance included in the loan amount; term at 0% with this down payment according to the page table
annuity
15 mo.
from 1 000 000 UZS
25%
0%/yearDamas/Captiva models, insurance included in the loan amount; term at 0% with this down payment per the page table
annuity
16 mo.
from 1 000 000 UZS
40%
0%/yearLabo models, insurance included in the loan amount; term at 0% with this down payment according to the page table
annuity
17 mo.
from 1 000 000 UZS
30%
0%/yearDamas/Captiva models, insurance included in the loan amount; term at 0% with this down payment per the page table
annuity
20 mo.
from 1 000 000 UZS
50%
0%/yearLabo models, insurance included in the loan amount; term at 0% with this down payment according to the page table
annuity
21 mo.
from 1 000 000 UZS
40%
0%/yearDamas/Captiva models, insurance included in the loan amount; term at 0% with this down payment per the page table
annuity
26 mo.
from 1 000 000 UZS
50%
0%/yearDamas/Captiva models, insurance included in the loan amount; term at 0% with this down payment per the page table
annuity
26 mo.
from 1 000 000 UZS
60%
0%/yearLabo models, insurance included in the loan amount; term at 0% with this down payment according to the page table
annuity
15–34 mo.
from 1 000 000 UZS
25%
19%/yearonly per the calculator on the page: term 15-34 mo. - 19%; differs from the table on the page (where it is 0% for terms of 12-34 mo. depending on the down payment and model)
annuity
34 mo.
from 1 000 000 UZS
60%
0%/yearDamas/Captiva models, insurance included in the loan amount; term at 0% with this down payment per the page table
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 ↗
Economy start (Cobalt)residents only
Purpose
purchase of Chevrolet Cobalt cars on the primary market from UzAuto Motors and official dealers
Available to
self-employed and individual entrepreneurs
Rate (main case)
18%/year18% per annum for 36 months with a 25% contributionthe rate depends on the term and down payment (page table)
Lowest rate
0%/yearfrom 0%10 mo. with a 50% down payment or 13 mo. with a 60% down payment
Highest rate
19.5%/yearup to 19,5%60 mo. with a 25% down payment
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
300 000 000 UZSup to 300 mln UZS
Loan term
10–60 mo.
Down payment
25%down payment from 25%page table: 25-60%
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
10 mo.
1 000 000 – 300 000 000 UZS
50%
0%/yearpage table
annuity
12 mo.
1 000 000 – 300 000 000 UZS
25%
10.5%/yearpage table
annuity
12 mo.
1 000 000 – 300 000 000 UZS
30%
8.5%/yearpage table
annuity
12 mo.
1 000 000 – 300 000 000 UZS
40%
5.5%/yearpage table
annuity
12 mo.
1 000 000 – 300 000 000 UZS
50%
2.5%/yearpage table
annuity
13 mo.
1 000 000 – 300 000 000 UZS
60%
0%/yearpage table
annuity
18 mo.
1 000 000 – 300 000 000 UZS
25%
14%/yearpage table
annuity
18 mo.
1 000 000 – 300 000 000 UZS
30%
12.5%/yearpage table
annuity
18 mo.
1 000 000 – 300 000 000 UZS
40%
10.5%/yearpage table
annuity
18 mo.
1 000 000 – 300 000 000 UZS
50%
8%/yearpage table
annuity
18 mo.
1 000 000 – 300 000 000 UZS
60%
5%/yearpage table
annuity
24 mo.
1 000 000 – 300 000 000 UZS
25%
16%/yearpage table
annuity
24 mo.
1 000 000 – 300 000 000 UZS
30%
14.5%/yearpage table
annuity
24 mo.
1 000 000 – 300 000 000 UZS
40%
12.5%/yearpage table
annuity
24 mo.
1 000 000 – 300 000 000 UZS
50%
10.5%/yearpage table
annuity
24 mo.
1 000 000 – 300 000 000 UZS
60%
8.5%/yearpage table
annuity
25 mo.
1 000 000 – 300 000 000 UZS
60%
8.7%/yearpage table
annuity
36 mo.
1 000 000 – 300 000 000 UZS
25%
18%/yearpage table
annuity
36 mo.
1 000 000 – 300 000 000 UZS
30%
16.5%/yearpage table
annuity
36 mo.
1 000 000 – 300 000 000 UZS
40%
15%/yearpage table
annuity
36 mo.
1 000 000 – 300 000 000 UZS
50%
13.6%/yearpage table
annuity
36 mo.
1 000 000 – 300 000 000 UZS
60%
12%/yearpage table
annuity
48 mo.
1 000 000 – 300 000 000 UZS
25%
19%/yearpage table
annuity
48 mo.
1 000 000 – 300 000 000 UZS
30%
17.5%/yearpage table
annuity
48 mo.
1 000 000 – 300 000 000 UZS
40%
16.5%/yearpage table
annuity
48 mo.
1 000 000 – 300 000 000 UZS
50%
15.2%/yearpage table
annuity
48 mo.
1 000 000 – 300 000 000 UZS
60%
14%/yearpage table; the table shows the value '14,00' without the % sign
annuity
60 mo.
1 000 000 – 300 000 000 UZS
25%
19.5%/yearpage table
annuity
60 mo.
1 000 000 – 300 000 000 UZS
30%
16%/yearpage table
annuity
60 mo.
1 000 000 – 300 000 000 UZS
40%
14.5%/yearpage table
annuity
60 mo.
1 000 000 – 300 000 000 UZS
50%
13.5%/yearpage table
annuity
60 mo.
1 000 000 – 300 000 000 UZS
60%
15%/yearpage table; the 15,00% value is higher than with a 50% down payment (13,5%) – possible typo on the site
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 ↗
Mortgages
Comfortable Homeresidents only
Purpose
purchase of an apartment or an individual residential house on the primary and secondary market (cadastral documents are required)
Rate (main case)
21%/year21% per annum with a down payment of 20-25%base rate per the calculator for a down payment of 20-25%; on the website 'from 20%'
Lowest rate
20%/yearfrom 20% per annumwith a positive credit history (1,0 p.p. discount) or with a higher down payment
Highest rate
21%/year21% per annumbase rate with a minimum down payment of 20%
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
1 000 000 000 UZSup to 1 bn UZS
Loan term
12–120 mo.
Down payment
20%down payment from 20%per calculator: 20-90%
Insurance
insurance of the mortgaged property is mandatory only on the secondary market; the cost is not specifiedinsurance against non-repayment risk (up to 5% of the loan amount) is paid by the bank at its own expense
Grace period
3 mo.
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12–120 mo.
from 1 000 000 UZS
20%
21%/yearcalculator: down payment 20-25%, term 12-120 mo.
annuity
12–120 mo.
from 1 000 000 UZS
20%
20.5%/year0,5 pp discount: the down payment is paid from the 'Mortgage' target deposit (saving for at least 6 mo., at least 50% of the payment in the first 3 mo.)
annuity
12–120 mo.
from 1 000 000 UZS
20%
20%/year1,0 p.p. discount with a positive credit history: closed loans of at least 100 mln UZS, no overdue of more than 30 days; total discount no more than 1,0 p.p.
annuity
12–120 mo.
from 1 000 000 UZS
25%
20%/yearcalculator: the “down payment 20-90% - 20%” tier overlaps with the first; the 25% boundary was taken as the upper boundary of the first tier; page: the higher the down payment, the lower the rate
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 ↗
Microloans
Universalresidents only
Purpose
any personal and business expenses (microloan for self-employed)
Available to
self-employed
Rate (main case)
23.99%/year23,99% per annum for a term of up to 60 monthsone rate for a term of 12-60 mo.
Lowest rate
23.99%/year23,99% per annum
Highest rate
23.99%/year23,99% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
300 000 000 UZSup to 300 mln UZS
Loan term
12–60 mo.
Insurance
120%mandatory insurance of non-repayment risk for 120% of the loan amountinsurance cost not specified
Collateral
yes
Accepted as collateral
car, real estate
Insurance required
yes
Repayment scheme
annuity
Borrower age
20–65 years
Rates by term, amount and client category
Term
Amount
Rate
Repayment
12–60 mo.
1 000 000 – 300 000 000 UZS
23.99%/yearone rate for a term of 12-60 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 ↗
Online microloanonline
Purpose
any personal needs; application via the Kapitalbank mobile app without visiting the bank
Available to
employees of Kapitalbank and participants of payroll projects approved by the bank for digital lending
Rate (main case)
27%/year27% per annum for a term of 3-12 monthsone rate for the entire range
Lowest rate
27%/year27% per annum
Highest rate
27%/year27% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
50 000 000 UZSup to 50 mln UZS
Loan term
3–12 mo.
Insurance
nonethe insurance premium is paid by the bank at its own expensesecurity: at least 50% of the microloan agreement amount (insurance)
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Clients
Rate
Repayment
3–12 mo.
1 000 000 – 50 000 000 UZS
salary clients
27%/yearone rate for a term of 3-12 mo. (3, 6 or 12 mo. to choose from)
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 ↗
Loan refinancing
Mortgage loan refinancingresidents only
Purpose
refinancing of debt on mortgage loans obtained from other banks of Uzbekistan (except the program of the Ministry of Finance and Economy)
Available to
individuals and self-employed persons
Rate (main case)
21%/year21% per annum for a term of up to 120 monthssingle rate for the entire range of 12-120 months
Lowest rate
21%/year21% per annum
Highest rate
21%/year21% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
1 000 000 000 UZSup to 1 bn UZSthe page’s service block shows 100 bn, the calculator and text - 1 bn
Loan term
12–120 mo.
Insurance
noneif the collateral is insufficient, the bank arranges insurance at its own expense
Collateral
yes
Accepted as collateral
real estate
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Rate
Repayment
12–120 mo.
1 000 000 – 1 000 000 000 UZS
21%/yearone rate for a term of 12-120 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 ↗
Installment plans
Kapitalbankdan Qulay Nasiya Iresidents only
Purpose
purchase of goods and services from the bank's partners, including cars and business equipment
Available to
self-employed
Rate (main case)
0%/year0% per annum for a term of 24-48 monthson current and overdue debt; the bank's income is a one-time fee paid by the bank's partners
Lowest rate
0%/year0% per annum
Highest rate
0%/year0% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
300 000 000 UZSup to 300 mln UZSwith a 20% down payment
Loan term
24–48 mo.
Down payment
20%down payment of at least 20%the calculator shows 35-70% - a discrepancy, the page takes priority
Late payment penalty
none0% per annum on overdue debtpage: 0% per annum on current and overdue debt
Insurance
120%insurance against the risk of non-repayment for an amount of at least 120% of the loan for the entire termcost not specified
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Repayment scheme
annuity
Borrower age
20–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
24–48 mo.
1 000 000 – 300 000 000 UZS
20%
0%/yearterm 24-48 mo.; down payment at least 20% per the page (calculator: 35-70%)
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 ↗
Other loans
Profitable investmentresidents only
Purpose
purchase of new goods or services for business from the bank's partners; purchase of UzAuto Motors cars from a dealership is available
Available to
self-employed and individual entrepreneurs
Rate (main case)
22.99%/year22,99% per annum with a down payment of 25-49%minimum down payment 25%
Lowest rate
20.99%/yearfrom 20,99% per annumwith a down payment of 50-70%
Highest rate
22.99%/yearup to 22,99% per annumwith a down payment of 25-49%
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
300 000 000 UZSup to 300 mln UZS for self-employedfor sole proprietors - up to 500 mln UZS (page)
Loan term
12–60 mo.
Down payment
25%prepayment of at least 25% of the cost of the goodscalculator: 25-70%
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Repayment scheme
annuity
Borrower age
20–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12–60 mo.
1 000 000 – 300 000 000 UZS
25%
22.99%/yearcalculator: down payment 25-49%, term 12-60 mo.
annuity
12–60 mo.
1 000 000 – 300 000 000 UZS
50%
20.99%/yearcalculator: down payment 50-70%, term 12-60 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 ↗
Eco loanresidents only
Purpose
purchase and installation of equipment for energy efficiency and alternative energy (solar panels, wind and mini hydropower plants, biogas, heat pumps, thermal insulation, gas boilers)
Rate (main case)
24%/year24% per annum for a term of up to 60 monthsone rate for the whole term of 12-60 months (page and calculator)
Lowest rate
24%/year24% per annum
Highest rate
24%/year24% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page; the minimum is not specified in the page text
Maximum amount
50 000 000 UZSup to 50 mln UZS
Loan term
12–60 mo.
Down payment
no down paymentdown payment 0%per the calculator on the page (min/maxInitialRate = 0)
Grace period
6 mo.
Accepted as collateral
deposit, car, real estate
Proof of income
yes
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Rate
Repayment
12–60 mo.
1 000 000 – 50 000 000 UZS
24%/yearone rate for a term of 12-60 mo.; down payment per the calculator 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 ↗
