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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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
BYD Carryover Newonline
Purpose
Purchase of new BYD passenger cars (primary market): Song Plus DM-i 110km Flagship, Chazor 55km LUXE
Available to
Individuals with income from their own business, a pension and other income
Rate (main case)
0%/year0% per annumFixed 0% subject to the down payment and term conditions (12, 18, 24, 30 mo.); a 36 mo. term is not provided, the base term is 30 mo.
Lowest rate
0%/year0% per annum
Highest rate
0%/year0% per annum
Minimum amount
10 000 000 UZSfrom 10 mln UZSminimum per calculator
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
12–30 mo.
Down payment
30%at least 30% of the car’s valuethe page FAQ says «at least 25%»; the terms and calculator say 30%
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12–30 mo.
up to 800 000 000 UZS
30%
0%/year0% per annum for terms of 12, 18, 24 and 30 mo. subject to the program conditions
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 ↗
BYD Special Plus auto loan
Purpose
Exclusive terms for new BYD cars
Rate (main case)
11.9%/year11,9% per annumBy the card in the list
Lowest rate
11.9%/year11,9% per annumBy the card in the list
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
up to 60 mo.
Rates by term, amount and client category
Term
Amount
Rate
60 mo.
up to 800 000 000 UZS
11.9%/yearPer the card in the loan list; term - the maximum per the card
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 ↗
Denza auto loanonline
Purpose
Purchase of a new Denza (B5, B8) car from the bank's official partners (primary market)
Available to
Individuals with income from their own business, a pension and other income
Rate (main case)
13%/year13% per annum for 18 months with a 30% contributionThere is no base term of 36 mo.; the nearest shorter one (18 mo.) is used; with a 30% down payment for 12 mo. - 9%
Lowest rate
0%/yearfrom 0% with a down payment from 50% (12 mo.)
Highest rate
13%/yearup to 13% with a 30% down payment for 18 mo.
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
12–18 mo.
Down payment
30%at least 30% of the car’s value
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12 mo.
up to 800 000 000 UZS
30%
9%/yearTerm 12 mo., down payment from 30%
12 mo.
up to 800 000 000 UZS
40%
7%/yearTerm 12 mo., down payment from 40%
12 mo.
up to 800 000 000 UZS
50%
0%/yearTerm 12 mo., down payment from 50%
12 mo.
up to 800 000 000 UZS
60%
0%/yearTerm 12 mo., down payment from 60%
18 mo.
up to 800 000 000 UZS
30%
13%/yearTerm 18 mo., down payment from 30%
18 mo.
up to 800 000 000 UZS
40%
11%/yearTerm 18 mo., down payment from 40%
18 mo.
up to 800 000 000 UZS
50%
8%/yearTerm 18 mo., down payment from 50%
18 mo.
up to 800 000 000 UZS
60%
2%/yearTerm 18 mo., down payment from 60%
18 mo.
up to 800 000 000 UZS
65%
0%/yearTerm 18 mo., down payment from 65%
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 ↗
BYD Special Offeronline
Purpose
Purchase of new BYD cars from official dealers (Chazor Champion, Song Pro DM-i Champion, Song Plus DM-i Champion, Song Plus EV, etc.)
Available to
Everyone, including self-employed persons and those without official income
Rate (main case)
21.5%/year21,5% per annum for 36 months with a 25% down paymentOne rate for 36 and 60 mo.
Lowest rate
18.9%/yearfrom 18,9% with down payment from 50%
Highest rate
21.5%/yearup to 21,5% with down payment from 25%
Minimum amount
1 000 000 UZSfrom 1 mln UZSminimum per calculator
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
36–60 mo.
Down payment
25%at least 25% of the car’s value
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
36–60 mo.
up to 800 000 000 UZS
25%
21.5%/yearWith a down payment of at least 25%
36–60 mo.
up to 800 000 000 UZS
30%
20.9%/yearWith a down payment of at least 30%
36–60 mo.
up to 800 000 000 UZS
40%
19.9%/yearWith a down payment of at least 40%
36–60 mo.
up to 800 000 000 UZS
50%
18.9%/yearWith a down payment of at least 50%
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 ↗
BYD auto loan 1 year
Purpose
Purchase of new BYD cars for a term of up to 1 year
Rate (main case)
22%/year22,0% per annumBy the card in the list
Lowest rate
22%/year22,0% per annumBy the card in the list
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
up to 12 mo.
Rates by term, amount and client category
Term
Amount
Rate
12 mo.
up to 800 000 000 UZS
22%/yearPer the card in the loan list; term - the maximum per the card
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 ↗
Advantageous auto loan
Purpose
Car purchase on favorable terms
Rate (main case)
22%/year22,0% per annumBy the card in the list
Lowest rate
22%/year22,0% per annumBy the card in the list
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
up to 12 mo.
Rates by term, amount and client category
Term
Amount
Rate
12 mo.
up to 800 000 000 UZS
22%/yearPer the card in the loan list; term - the maximum per the card
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Auto loan for employees of budget organizationsonline
Purpose
Purchase of new passenger cars on the primary market from the bank's partners
Available to
Employees of budget organizations of the Republic of Uzbekistan
Rate (main case)
23.5%/year23,5% per annum for 36 months with a 25% down paymentSingle rate for a term of up to 60 mo.
Lowest rate
20.9%/yearfrom 20,9% with a down payment over 50%
Highest rate
23.5%/yearup to 23,5% with down payment from 25%
Minimum amount
10 000 000 UZSfrom 10 mln UZSminimum per calculator
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
12–60 mo.
Down payment
25%at least 25% of the car’s value
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Collateral
yes
Accepted as collateral
car, deposit, other
Guarantor
no
Insurance required
yes
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
12–60 mo.
up to 800 000 000 UZS
25%
public-sector employees
23.5%/yearWith a down payment of at least 25%
12–60 mo.
up to 800 000 000 UZS
30%
public-sector employees
22.9%/yearWith a down payment of at least 30%
12–60 mo.
up to 800 000 000 UZS
40%
public-sector employees
21.9%/yearWith a down payment of at least 40%
12–60 mo.
up to 800 000 000 UZS
50%
public-sector employees
20.9%/yearWith a down payment of at least 50%
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Auto loan BYDonline
Purpose
Purchase of new BYD cars from official dealers
Available to
Everyone, including self-employed persons and those without official income
Rate (main case)
24.5%/year24,5% per annum for 36 months with a 25% down paymentRate does not depend on term
Lowest rate
21.9%/yearfrom 21,9% with down payment from 50%
Highest rate
24.5%/yearup to 24,5% with down payment from 25%
Minimum amount
10 000 000 UZSfrom 10 mln UZSminimum per calculator
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
12–60 mo.
Down payment
25%at least 25% of the car’s value
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Collateral
yes
Accepted as collateral
car
Guarantor
no
Insurance required
yes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12–60 mo.
up to 800 000 000 UZS
25%
24.5%/yearWith a down payment of at least 25%
12–60 mo.
up to 800 000 000 UZS
30%
23.9%/yearWith a down payment of at least 30%
12–60 mo.
up to 800 000 000 UZS
40%
22.9%/yearWith a down payment of at least 40%
12–60 mo.
up to 800 000 000 UZS
50%
21.9%/yearWith a down payment of at least 50%
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 ↗
Easy auto loanonline
Purpose
Purchase of new passenger cars on the primary market from partner car dealerships (UzAuto Motors, ADM Jizzakh, etc.)
Available to
Individuals; self-employed with a down payment of over 30%, based on card turnover and certificate
Rate (main case)
24.5%/year24,5% per annum for 36 months with a 25% down paymentRate does not depend on term
Lowest rate
21.9%/yearfrom 21,9% with down payment from 50%the loan list states «from 22,9%»
Highest rate
24.5%/yearup to 24,5% with down payment from 25%
Minimum amount
10 000 000 UZSfrom 10 mln UZSminimum per calculator
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
12–60 mo.
Down payment
25%at least 25% of the car’s value
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Collateral
yes
Accepted as collateral
car, deposit, other
Guarantor
no
Insurance required
yes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12–60 mo.
up to 800 000 000 UZS
25%
24.5%/yearWith a down payment of at least 25%
12–60 mo.
up to 800 000 000 UZS
30%
23.9%/yearWith a down payment of at least 30%
12–60 mo.
up to 800 000 000 UZS
40%
22.9%/yearWith a down payment of at least 40%
12–60 mo.
up to 800 000 000 UZS
50%
21.9%/yearWith a down payment of at least 50%
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Auto loan for the secondary marketonline
Purpose
Purchase of passenger cars from the secondary market produced in Uzbekistan (service life of no more than 3 years)
Available to
Individuals
Rate (main case)
26.9%/year26,9% per annum for 36 months with a 30% down payment24,9% - with a down payment of over 40%
Lowest rate
24.9%/yearfrom 24,9% with a down payment of over 40%
Highest rate
26.9%/yearup to 26,9% with down payment from 30%
Minimum amount
10 000 000 UZSfrom 10 mln UZSminimum per calculator
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
12–48 mo.
Down payment
30%at least 30% of the car’s value
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Collateral
yes
Accepted as collateral
car, deposit, other
Guarantor
no
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12–48 mo.
up to 800 000 000 UZS
30%
26.9%/yearWith a down payment of at least 30%
12–48 mo.
up to 800 000 000 UZS
40%
24.9%/yearWith a down payment of more than 40%
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 ↗
BYD Smart Move 2
Purpose
New BYD passenger cars (primary market)
Lowest rate
0%/yearfrom 0% per annumBy the card in the list
Maximum amount
800 000 000 UZSup to 800 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 ↗
BYD Smart Move 3
Purpose
Auto loan for the purchase of BYD Yuan Up and BYD Chazor
Lowest rate
0%/yearfrom 0% per annumBy the card in the list
Maximum amount
800 000 000 UZSup to 800 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 ↗
Auto loan Autocenter, Luxemotors, Rador Auto
Purpose
New cars Dongfeng, BAW, Bestune, Shineray, Fengon, Joylong
Lowest rate
0%/yearfrom 0% per annumBy the card in the list
Maximum amount
800 000 000 UZSup to 800 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 ↗
Jac Motors auto loan
Purpose
Purchase of new JAC cars
Lowest rate
0%/yearfrom 0% per annumBy the card in the list
Maximum amount
800 000 000 UZSup to 800 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 ↗
Auto loan Jetour Soueast
Purpose
Purchase of new Jetour cars on the primary market
Lowest rate
0%/yearfrom 0% per annumBy the card in the list
Maximum amount
800 000 000 UZSup to 800 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 ↗
Import auto loan
Purpose
Loan for foreign-brand cars
Lowest rate
21.9%/yearfrom 21,9% per annumBy the card in the list
Maximum amount
800 000 000 UZSup to 800 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
Interest-free mortgage for a new-build propertyonline
Purpose
Purchase of an apartment from the bank's partner developers in new buildings in Tashkent and the regions (handover within 18 months or ready cadastral documents)
Available to
Buyers of apartments from the bank's partner developers (Golden House Development, Yangi Zamon Bino, Absolute Business Trade, Castle Village, Arc Balance, Unique Trade Business, Unique Creation, Build Power)
Rate (main case)
0%/year0% per annum for 60 months
Lowest rate
0%/year0% per annum
Highest rate
0%/year0% per annum
Maximum amount
500 000 000 UZSup to 500 mln UZS
Loan term
12–60 mo.
Down payment
30%from 30% of the cost
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Collateral
yes
Accepted as collateral
real estate
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12–60 mo.
up to 500 000 000 UZS
30%
0%/year0% per annum; apartments only from partner developers
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 ↗
Advantageous mortgageonline
Purpose
Purchase of an apartment on the primary market in new buildings in Tashkent and the regions of Uzbekistan
Available to
Citizens of Uzbekistan aged 18 to 60, stable income for at least 6 months; self-employed with a 30% down payment (with reservations)
Rate (main case)
16.7%/year16,7% per annum for 120 months on the budget-funded portionPart of the loan funded by the Ministry of Economy and Finance - 16,7%, part funded by the bank - 24%
Lowest rate
16.7%/yearfrom 16,7% on the budget portion
Highest rate
24%/year24% on the part funded by the bank
Maximum amount
1 060 000 000 UZSup to 1,06 bn UZS in Tashkent (480 mln budget + up to 580 mln bank); in the regions up to 960 mln UZS
Loan term
60–240 mo.
Down payment
25%at least 25% of the contract value of the housing
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
60–240 mo.
up to 480 000 000 UZS
25%
16.7%/yearWith funds of the Ministry of Economy and Finance: up to 480 mln UZS in Tashkent, up to 380 mln in the regions; grace period up to 6 mo.
60–240 mo.
up to 580 000 000 UZS
25%
24%/yearPart of the loan up to 580 mln UZS at the bank's expense; no grace period
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 ↗
Teacher mortgageonline
Purpose
Purchase of an apartment in a new building on the primary market
Available to
Teachers with the highest qualification category and at least 15 years of experience, citizens of the Republic of Uzbekistan under 60; co-borrower with a permanent job or stable income
Rate (main case)
16.7%/year16,7% per annum for 120 months
Lowest rate
16.7%/year16,7% per annum
Highest rate
16.7%/year16,7% per annum
Maximum amount
480 000 000 UZSup to 480 mln UZS in Tashkent; in other cities and rural areas - up to 380 mln UZS
Loan term
60–240 mo.
Down payment
15%from 15% of the housing costpart of the down payment may be covered from State Budget funds
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
60–240 mo.
up to 480 000 000 UZS
15%
16.7%/yearIn Tashkent up to 480 mln UZS, in other cities and rural areas up to 380 mln UZS; not more than 85% of the housing value
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 ↗
Family mortgageonline
Purpose
Purchase of an apartment on the primary market in new buildings in Tashkent and the regions of Uzbekistan
Available to
Citizens of Uzbekistan aged 18 to 60 on the date of application with a stable income of at least 6 months; self-employed with a 20% down payment (with reservations)
Rate (main case)
16.7%/year16,7% per annum for 120 monthsMortgage under a state program (funded by budget resources)
Lowest rate
16.7%/year16,7% per annum
Highest rate
16.7%/year16,7% per annum
Maximum amount
480 000 000 UZSup to 480 mln UZS in Tashkent; in other cities and rural areas - 380 mln UZSno more than 85% of the market value of the home; in the calculator regions - 330 mln UZS
Loan term
60–240 mo.
Down payment
15%from 15% of the housing cost
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
60–240 mo.
up to 480 000 000 UZS
15%
16.7%/yearThe rate is the same for terms of 60-240 mo.; up to 480 mln UZS in Tashkent, up to 380 mln UZS in the regions (per the text; 330 mln in the calculator)
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Green mortgageonline
Purpose
Energy-efficient home renovation: insulation, windows and doors, boilers, solar panels; construction and reconstruction are not provided for
Available to
Citizens of Uzbekistan aged 18 to 60, stable income for at least 9 months; positive credit history; debt burden of no more than 50% of income
Rate (main case)
19%/year19% per annum at the borrower’s expense for 84 monthsNominal rate 23%: 19% is paid by the borrower, 4% is covered by the National Energy Efficiency Agency for 5 years
Lowest rate
19%/year19% per annum at the borrower’s expense
Highest rate
23%/year23% per annum nominal
Minimum amount
10 000 000 UZSfrom 10 mln UZSminimum per calculator
Maximum amount
350 000 000 UZSup to 350 mln UZS in Tashkent, 250 mln UZS in other regionsmaximum 340 mln UZS in the calculator
Loan term
up to 84 mo.
Down payment
no down paymentnot required
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Rate
84 mo.
up to 350 000 000 UZS
19%/yearThe 19% part of the rate is at the borrower's expense; 4% of the 23% is covered by the National Energy Efficiency Agency for 5 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Mortgage for the primary market 2.0
Purpose
Modern housing on favorable terms
Rate (main case)
19%/year19,0% per annumBy the card in the list
Lowest rate
19%/year19,0% per annumBy the card in the list
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
up to 240 mo.
Rates by term, amount and client category
Term
Amount
Rate
240 mo.
up to 800 000 000 UZS
19%/yearPer the card in the loan list; term - the maximum per the card
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 ↗
Navro'z mortgageonline
Purpose
Purchase of an apartment from LLC “IMKON SOF BUILDINGS HOUSE” in new buildings in Tashkent (including those under construction, handover within 18 months)
Available to
Citizens of the Republic of Uzbekistan aged 18 to 60, permanent place of work/income, income for at least 6 months; without official income - with a down payment from 25% and an amount of up to 480 mln UZS
Rate (main case)
21%/year21% per annum for 120 months24% per annum - on the part of the amount above 480 mln UZS
Lowest rate
21%/yearfrom 21% per annum
Highest rate
24%/year24% per annum for amounts over 480 mln UZS
Maximum amount
1 060 000 000 UZSup to 1,06 bn UZSno more than 85% of the property value (for amounts over 480 mln - no more than 75%)
Loan term
60–240 mo.
Down payment
25%from 25% of the housing cost
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
60–240 mo.
up to 480 000 000 UZS
25%
21%/yearAmount up to 480 mln UZS
60–240 mo.
up to 1 060 000 000 UZS
25%
24%/yearLoan amount over 480 mln UZS (up to 1,06 bn): no more than 75% of the home’s value
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 ↗
Convenient refinancingonline
Purpose
Purchase of an apartment in apartment buildings or a private house on the primary and secondary market
Available to
Citizens of the Republic of Uzbekistan aged 18 to 60, income for at least 6 months; self-employed with a 35% down payment (with reservations); debt burden of no more than 50%
Rate (main case)
22%/year22% per annum for 120 months with a 25% down payment21% with a down payment from 35%; for the part above 550 mln UZS at the bank's expense - 24%
Lowest rate
21%/yearfrom 21% with a down payment from 35%
Highest rate
24%/year24% on the part financed by the bank
Maximum amount
1 000 000 000 UZSup to 1 bn UZS for Tashkent; in other cities and rural areas up to 750 mln UZS
Loan term
12–240 mo.
Down payment
25%at least 25% of the contract value of the housing
Issuance fee
freeThere is no one-time fee for reviewing the loan
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12–240 mo.
—
25%
22%/yearDown payment from 25%
12–240 mo.
—
25%
24%/yearThe part of the loan over 550 mln UZS (no more than 200 mln UZS) from the bank’s own funds
12–240 mo.
—
35%
21%/yearDown payment from 35%
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Mortgage loan for renovationonline
Purpose
Routine or major home renovation: building materials, equipment, services of repair crews
Available to
Citizens of the Republic of Uzbekistan aged 18 to 60 with a permanent source of income; confirmed income for at least 9 months; for the self-employed, receipts on an active card are taken into account
Rate (main case)
23%/year23% per annum for 120 months
Lowest rate
23%/year23% per annum
Highest rate
23%/year23% per annum
Minimum amount
10 000 000 UZSfrom 10 mln UZSminimum per calculator
Maximum amount
400 000 000 UZSup to 400 mln UZS
Loan term
30–120 mo.
Down payment
no down paymentnot required
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Borrower age
18–60 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Mortgage to buy out a loan at another bank in the Republic of Uzbekistanonline
Purpose
Refinancing of an existing mortgage loan taken out at another bank in Uzbekistan (apartment or residential house)
Available to
Individuals with a regular income, pension or other confirmed income; continuous income over the last 12 months; debt burden of no more than 50%
Rate (main case)
24%/year24% per annum for 120 months
Lowest rate
24%/year24% per annum
Highest rate
24%/year24% per annum
Minimum amount
100 000 000 UZSfrom 100 mln UZSminimum per calculator
Maximum amount
800 000 000 UZSup to 800 mln UZSno more than 70% of the market value
Loan term
30–240 mo.
Down payment
no down paymentnot required
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Rates by term, amount and client category
Term
Amount
Rate
30–240 mo.
100 000 000 – 800 000 000 UZS
24%/yearSingle rate 24%; amount not more than 70% of the market value of the property
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Mortgage Invest
Purpose
Financing the purchase of real estate for investment purposes
Rate (main case)
26%/year26,0% per annumBy the card in the list
Lowest rate
26%/year26,0% per annumBy the card in the list
Maximum amount
2 000 000 000 UZSup to 2 bn UZS
Loan term
up to 120 mo.
Rates by term, amount and client category
Term
Amount
Rate
120 mo.
up to 2 000 000 000 UZS
26%/yearPer the card in the loan list; term - the maximum per the card
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 ↗
Bashkent
Purpose
Mortgage for apartments in new buildings in Tashkent from STROY PREMIUM HOUSE and OOO RENAISSANCE EXPORT
Lowest rate
20%/yearfrom 20,0% per annumBy the card in the list
Maximum amount
1 060 000 000 UZSup to 1.06 bn UZS
Loan term
up to 240 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 ↗
Ezgu Makon mortgage
Purpose
Purchase of apartments in apartment buildings on the primary market
Lowest rate
21%/yearfrom 21,0% per annumBy the card in the list
Maximum amount
1 600 000 000 UZSup to 1.6 bn UZS
Loan term
up to 240 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 ↗
Murad Buildings mortgage
Purpose
Own housing in Murad Buildings
Lowest rate
15.5%/yearfrom 15,5% per annumBy the card in the list
Maximum amount
1 060 000 000 UZSup to 1.06 bn UZS
Loan term
up to 240 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 ↗
Mortgage for the secondary market
Purpose
Purchase, construction and reconstruction of housing
Lowest rate
24%/yearfrom 24,0% per annumBy the card in the list
Maximum amount
1 000 000 000 UZSup to 1 bn UZS
Loan term
up to 240 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 ↗
Mortgage for the primary market
Purpose
Purchase of a house or apartment in a new residential complex
Lowest rate
23.5%/yearfrom 23,5% per annumBy the card in the list
Maximum amount
1 000 000 000 UZSup to 1 bn UZS
Loan term
up to 240 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 ↗
Mortgage for the purchase of storage rooms and parking spaces
Purpose
Purchase of storage rooms and parking spaces
Lowest rate
0%/yearfrom 0% per annumBy the card in the list
Maximum amount
200 000 000 UZSup to 200 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 ↗
Yangi Toshkent mortgage
Purpose
Purchase of an apartment from a bank partner in new buildings in Tashkent region
Lowest rate
17%/yearfrom 17,0% per annumBy the card in the list
Maximum amount
1 060 000 000 UZSup to 1.06 bn UZS
Loan term
up to 240 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 ↗
Reliable mortgage
Purpose
Purchase of an apartment in a new building
Lowest rate
20%/yearfrom 20,0% per annumBy the card in the list
Maximum amount
1 060 000 000 UZSup to 1.06 bn UZS
Loan term
up to 240 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 ↗
Microloans
Corporate Plusonline
Purpose
Loan to a card or in cash for employees of the bank's payroll project
Available to
Employees of corporate clients under the bank's payroll project with at least one year of work experience and a stable income (continuous proven income for at least 12 months)
Rate (main case)
25%/year25% per annumSingle rate for any term up to 36 months
Lowest rate
25%/year25% per annum
Highest rate
25%/year25% per annum
Minimum amount
5 000 000 UZSfrom 5 mln UZSminimum per calculator
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
3–36 mo.
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Accepted as collateral
other
Guarantor
yes
Proof of income
yes
Rates by term, amount and client category
Term
Amount
Clients
Rate
3–36 mo.
5 000 000 – 100 000 000 UZS
salary clients
25%/yearFor employees of corporate clients under the payroll project of PJSCB «Orient Finans»
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 ↗
Domestic tourismonline
Purpose
Financial support for personal purposes; microloan to a card for trips around Uzbekistan
Available to
Individuals with a stable income (salary, pension and other official income)
Rate (main case)
27%/year27% per annumSingle rate for any term up to 12 months; 3-month grace period on principal
Lowest rate
27%/year27% per annum
Highest rate
27%/year27% per annum
Minimum amount
3 000 000 UZSfrom 3 mln UZS
Maximum amount
15 000 000 UZSup to 15 mln UZS
Loan term
3–12 mo.
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Grace period
3 mo.
Accepted as collateral
other
Guarantor
yes
Proof of income
yes
Rates by term, amount and client category
Term
Amount
Rate
3–12 mo.
3 000 000 – 15 000 000 UZS
27%/yearSingle rate; term 3, 6 or 12 mo. (calculator)
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Ishonchonline
Purpose
Financial support for personal purposes (microloan to a card)
Available to
Employees of budget organizations; individuals with a stable income (including pension); self-employed with collateral
Rate (main case)
27.5%/year27,5% per annum for other individualsPublic sector employees 25,5%, self-employed 28,0%
Lowest rate
25.5%/yearfrom 25,5% for employees of budget organizationsThe loan list on the site states «from 24.5%», the page shows a minimum of 25.5%
Highest rate
28%/yearup to 28% for self-employed
Minimum amount
5 000 000 UZSfrom 5 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
3–36 mo.
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Accepted as collateral
other
Guarantor
yes
Proof of income
yes
Rates by term, amount and client category
Term
Amount
Clients
Rate
36 mo.
5 000 000 – 100 000 000 UZS
all clients
27.5%/yearOther individuals with a stable income
36 mo.
5 000 000 – 100 000 000 UZS
public-sector employees
25.5%/yearEmployees of budget organizations
36 mo.
5 000 000 – 100 000 000 UZS
special category
28%/yearSelf-employed persons; only with movable or immovable property as collateral
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Online microloanonlineno collateral
Purpose
To meet personal needs
Available to
Citizens of the Republic of Uzbekistan with a stable income: employees of corporate companies and bank employees under the payroll project of Private Joint-Stock Commercial Bank «Orient Finans»; continuous proven income for at least 12 months
Rate (main case)
30%/year30% per annumOne rate for any term from 3 to 24 months; no one-time review fee
Lowest rate
30%/year30% per annum
Highest rate
30%/year30% per annum
Minimum amount
3 000 000 UZSfrom 3 mln UZS
Maximum amount
50 000 000 UZSup to 50 mln UZS
Loan term
3–24 mo.
Issuance fee
freeNo one-time fee is charged for reviewing the application
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Insurance
noneInsurance policy against non-repayment risk - the premium is paid by the bankSecurity: insurance policy, the premium is paid by the bank; the amount of security is at least 125% (related parties 130%)
Collateral
no
Guarantor
no
Proof of income
yes
Insurance required
yes
Decision time
about 3 minutes
Rates by term, amount and client category
Term
Amount
Clients
Rate
Channel
3–24 mo.
3 000 000 – 50 000 000 UZS
salary clients
30%/yearSingle rate of 30% for terms of 3-24 mo.; for employees of corporate clients under the bank's payroll project
online
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
Studentonline
Purpose
Payment of the tuition contract at educational institutions of Uzbekistan (full-time study, study period of at least one year)
Available to
Citizens of the Republic of Uzbekistan who have enrolled in or are studying on a paid-contract basis at state, non-state, private and foreign universities/professional institutions in the Republic of Uzbekistan; a co-borrower with income confirmed for at least 9 months is required
Rate (main case)
14%/year14% per annumFor women - 14% (interest is repaid from the Educational Loan Financing Fund); for men - the key rate of the Central Bank of the Republic of Uzbekistan
Lowest rate
14%/year14% per annumFor women, interest is covered by the Fund (0% in the calculator)
Highest rate
14%/year14% per annum
Maximum amount
According to the contract value of the educational institutionThe calculator limit is 100 mln UZS; up to 100 mln - guarantor, above - collateral
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Accepted as collateral
other
Guarantor
yes
Proof of income
yes
Rates by term, amount and client category
Term
Amount
Clients
Rate
—
—
all clients
14%/yearFor men: the base rate of the Central Bank of Uzbekistan; the calculator shows 14%
—
—
special category
14%/yearFor women: according to the page text 14% per annum; in the calculator for women the rate is 0% — interest is paid by the Fund under the Ministry of Economy and Finance
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 educationonline
Purpose
Payment for tuition at educational institutions, private schools and kindergartens of Uzbekistan; professional development, foreign language and vocational training courses
Available to
Individuals with a stable income from their own business, a pension and other income
Rate (main case)
28%/year28% per annum with an own contribution of less than 50% of the tuition cost25% per annum - when at least 50% of the tuition cost is paid from own funds
Lowest rate
25%/yearfrom 25% per annumwith own contribution of at least 50%
Highest rate
28%/yearup to 28% per annum
Minimum amount
10 000 000 UZSfrom 10 mln UZSminimum per calculator
Maximum amount
250 000 000 UZSup to 250 mln UZS
Loan term
6–48 mo.
Down payment
no down paymentown contribution from 0%; with a down payment from 50% the rate is lower
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Collateral
yes
Accepted as collateral
real estate
Guarantor
yes
Proof of income
yes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
48 mo.
up to 250 000 000 UZS
—
28%/yearOwn funds less than 50% of the tuition cost
48 mo.
up to 250 000 000 UZS
50%
25%/yearPayment of at least 50% of the tuition cost from own funds
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
Greenonline
Purpose
Purchase of household appliances, heating systems, windows and doors, heat and noise insulation, roofing, solar panels and other alternative energy sources
Available to
Citizens of the Republic of Uzbekistan with a stable confirmed income
Rate (main case)
20%/year20% per annum for 36 monthsA single 20% rate for terms of 12-60 mo.; a grace period of up to 6 months is possible
Lowest rate
20%/year20% per annum
Highest rate
20%/year20% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSminimum per calculator
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
12–60 mo.
Issuance fee
freeBank commissions and fees - 0 UZSPer the information sheet on the loan page (bank commissions and fees 0 UZS)
Late payment penalty
The contract does not provide for a penalty; if the principal is overdue, interest accrues at a rate 1.5 times higher than the contractual rateLoan information sheet, section 2, items 1-2
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Guarantor
yes
Proof of income
yes
Decision time
up to 3 banking business days
Rates by term, amount and client category
Term
Amount
Rate
12–60 mo.
1 000 000 – 100 000 000 UZS
20%/yearSingle rate of 20% per annum; grace period of 2, 4 or 6 months (selected in the calculator)
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
