Rates and conditions are taken from the banks’ websites and may change; some loans have limited-time promotions. This is reference information, not a bank offer: the final rate, amount and term depend on the bank’s decision and the borrower’s profile, so check the terms with the bank before applying. The rate in the table is for the main case: the base term (36 months; 120 for mortgages, 12 for microloans and installment plans), the minimum amount, no salary-client discounts; rates for other terms, amounts and client categories are on the bank’s page.
A loan may not actually be available to apply for, and the data on the bank’s website may be out of date. Check availability and terms in the bank’s app, at a bank office or through its call center.
Consumer loans
Yangicha
Purpose
purchase of goods and services: household appliances, furniture, payment for education, medical services, leisure, renovation, etc.
Available to
for SQB clients (citizens of Uzbekistan)
Rate (main case)
25.99%/year25,99% per annum for 36 monthsper the table on the page: up to 6 mo. 21,99%; up to 9 mo. 22,99%; up to 12 mo. 23,99%; up to 24 mo. 24,99%; from 36 to 60 mo. 25,99%. The rate is fixed for the entire term
Lowest rate
21.99%/yearfrom 21,99% for a term of up to 6 months
Highest rate
25.99%/year25,99% for a term of 36 to 60 months
Maximum amount
200 000 000 UZSup to 200 mln UZS
Loan term
up to 60 mo.
Grace period
3 mo.
Accepted as collateral
car, real estate
Proof of income
yes
Borrower age
18–70 years
Rates by term, amount and client category
Term
Amount
Rate
6 mo.
—
21.99%/yearterm up to 6 mo.
9 mo.
—
22.99%/yearterm up to 9 mo.
12 mo.
—
23.99%/yearterm up to 12 mo.
24 mo.
—
24.99%/yearterm up to 24 mo.
36–60 mo.
—
25.99%/yearterm from 36 to 60 months
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Auto loans
Uzavto-Imkon
Purpose
purchase of new UzAuto Motors cars (Tahoe High Country, Damas, Labo, Onix, Tracker, Captiva) through official dealers
Rate (main case)
0%/year0% per annum for a term of up to 36 monthsfor Tracker/Onix with a 25% down payment; interest is compensated by the partner UzAuto Motors. The term at 0% depends on the model and the down payment
Lowest rate
0%/year0% per annum
Highest rate
0%/year0% per annum
Maximum amount
up to 75% of the car value
Loan term
up to 60 mo.
Down payment
25%at least 25% of the car’s value
Grace period
3 mo.
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Repayment scheme
differentiated
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
12 mo.
—
25%
0%/yearLabo vehicles
differentiated
14 mo.
—
30%
0%/yearLabo vehicles
differentiated
16 mo.
—
25%
0%/yearTahoe High Country, Damas, Captiva cars
differentiated
16 mo.
—
40%
0%/yearLabo vehicles
differentiated
18 mo.
—
30%
0%/yearTahoe High Country, Damas, Captiva cars
differentiated
22 mo.
—
50%
0%/yearLabo vehicles
differentiated
24 mo.
—
40%
0%/yearTahoe High Country, Damas, Captiva cars
differentiated
24 mo.
—
60%
0%/yearLabo vehicles
differentiated
30 mo.
—
50%
0%/yearTahoe High Country, Damas, Captiva cars
differentiated
36 mo.
—
25%
0%/yearTracker and Onix cars
differentiated
36 mo.
—
60%
0%/yearTahoe High Country, Damas, Captiva cars
differentiated
40 mo.
—
30%
0%/yearTracker and Onix cars
differentiated
48 mo.
—
40%
0%/yearTracker and Onix cars
differentiated
60 mo.
—
50%
0%/yearTracker and Onix cars
differentiated
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-Avto imkon
Purpose
purchase of new JAC cars (M3 Furgon, M3 Lyuks, M4 9 MT, Sunray, T8 Full 4x4, T9 Luxury, JS8 Flagship, Refine RTS Flagship) from the official dealer JV LLC «JAC Motors Tashkent»
Rate (main case)
11%/year11% per annum for a term of up to 36 months with a 30% down payment
Lowest rate
0%/yearfrom 0% for a term of up to 12 months
Highest rate
16.5%/yearup to 16,5% for a term of up to 60 months with a 30% down payment
Maximum amount
up to 70% of the car valuein the page header «up to 75%», in the main information «up to 70%» (with a minimum down payment of 30%)
Loan term
up to 60 mo.
Down payment
30%from 30% of the car valuedown payment 30%, 40% or 50%
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12 mo.
—
30%
0%/year
12 mo.
—
40%
0%/year
12 mo.
—
50%
0%/year
24 mo.
—
30%
6%/year
24 mo.
—
40%
4%/year
24 mo.
—
50%
0%/year
36 mo.
—
30%
11%/year
36 mo.
—
40%
10%/year
36 mo.
—
50%
9.5%/year
48 mo.
—
30%
15%/year
48 mo.
—
40%
14%/year
48 mo.
—
50%
12.5%/year
60 mo.
—
30%
16.5%/year
60 mo.
—
40%
16%/year
60 mo.
—
50%
14.5%/year
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 ↗
Avto imkon
Purpose
purchase of a new car of categories M1, M2 and N1 on the primary market, and payment of insurance payments
Rate (main case)
21%/year21% per annum for a term of up to 36 monthswith a down payment of at least 25%
Lowest rate
20%/yearfrom 20% for a term of up to 12 months
Highest rate
22%/year22% for a term of up to 60 months
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
up to 60 mo.
Down payment
25%at least 25% of the car’s value
Grace period
3 mo.
Collateral
yes
Accepted as collateral
car
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12 mo.
—
25%
20%/yearterm up to 12 mo.
36 mo.
—
25%
21%/yearterm up to 36 mo.
60 mo.
—
25%
22%/yearterm 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
Balansdagi turar-joy mortgage
Purpose
purchase through auction of residential properties on the balance sheet of JSCB «Uzpromstroybank»
Available to
for buyers of housing put up for auction by the bank
Rate (main case)
14%/year14% per annum (fixed)
Lowest rate
14%/year14% per annum
Highest rate
14%/year14% per annum
Maximum amount
1 500 000 000 UZSup to 1,5 bn UZS
Loan term
up to 180 mo.
Down payment
20%at least 20% of the property value
Grace period
12 mo.
Collateral
yes
Accepted as collateral
real estate
Insurance required
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
180 mo.
—
20%
14%/yearterm up to 15 years; fixed rate
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 ↗
Chimgan Residence mortgage
Purpose
purchase of real estate (apartments) in the 'Chimgan Residence' complex (Chimgan MFY, Bostanlyk district, Tashkent region), including through an auction
Available to
for real estate buyers in the Chimgan Residence complex
Rate (main case)
16%/year16% per annum with a 20% down paymentfor individuals with official and unofficial income; term up to 10 years
Lowest rate
14%/yearfrom 14% with a 50% down payment
Highest rate
16%/year16% with a 20% down payment
Maximum amount
1 500 000 000 UZSup to 1,5 bn UZS
Loan term
up to 120 mo.
Down payment
20%at least 20% of the property value
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
120 mo.
—
20%
16%/year
120 mo.
—
30%
15%/year
120 mo.
—
50%
14%/year
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 in an apartment building on the primary market under shared participation terms within the Yangi Toshkent project
Rate (main case)
17%/year17% per annum (Central Bank key rate + 3%) for a term of up to 20 yearsfrom funds of the Ministry of Economy and Finance after the apartment is pledged as collateral; key rate 14%. The part of the loan from the bank's own funds - 18% fixed. The rate is variable: it decreases when the key rate falls, and does not increase when it rises
Lowest rate
16.5%/yearfrom 16,5% for payroll project participants (key rate + 2,5%)
Highest rate
18%/yearup to 18% from the bank's own funds
Maximum amount
800 000 000 UZSup to 800 mln UZSat the expense of the Ministry of Economy and Finance: Tashkent region up to 330 mln, Tashkent city up to 420 mln; the rest — bank funds
Loan term
up to 240 mo.
Down payment
20%at least 20% of the property valuepayment through an auction may be counted as the down payment
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
240 mo.
—
20%
all clients
17%/yearfunded by the Ministry of Economy and Finance: Central Bank key rate + 3%
240 mo.
—
20%
all clients
18%/yearfrom the bank’s own funds, fixed
240 mo.
—
20%
salary clients
16.5%/yearpayroll project participants: Central Bank key rate + 2,5%
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 ↗
Hamkor mortgage
Purpose
participation in shared construction of apartment buildings at properties with a master agreement (for example, apartments from NRG-BI)
Rate (main case)
18%/year18% per annum (Central Bank key rate + 4%) for a term of up to 20 yearsafter the housing is commissioned and pledged as collateral, funded by Ministry of Economy and Finance resources (up to 420 mln UZS, Tashkent); key rate 14%
Lowest rate
18%/yearfrom 18% per annum
Highest rate
25.55%/year25,55% from the bank's own funds (key rate + 11,55%)
Maximum amount
1 000 000 000 UZSup to 1 bn UZSfunded by the Ministry of Economy and Finance up to 420 mln UZS (Tashkent), the rest - bank funds
Loan term
up to 240 mo.
Down payment
20%at least 20% of the apartment costfor self-employed - at least 35%
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
240 mo.
—
20%
all clients
18%/yearfunded by the Ministry of Economy and Finance: Central Bank key rate + 4%
240 mo.
—
20%
all clients
25.55%/yearfrom the bank’s own and attracted funds: CBU key rate + 11.55%; applies to the part of the amount above the limit of the Ministry of Economy and Finance
240 mo.
—
35%
special category
18%/yearself-employed individuals: down payment of at least 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 ↗
Kumushkon Residence mortgage
Purpose
purchase of housing in the 'Kumushkon residence' complex ('Oltinbel' recreation area, Parkent district, Tashkent region), including through an auction
Available to
for home buyers in the Kumushkon residence complex
Rate (main case)
18%/year18% per annum
Lowest rate
18%/year18% per annum
Highest rate
18%/year18% per annum
Maximum amount
5 000 000 000 UZSup to 5 bn UZS
Loan term
up to 180 mo.
Down payment
25%at least 25% of the property value
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Insurance required
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
180 mo.
—
25%
18%/yearterm up to 15 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 ↗
Yangi uyga mortgage - 2
Purpose
purchase of an apartment on the primary housing market (commissioned, divided into rooms and ready for finishing)
Rate (main case)
18%/year18% per annum (Central Bank key rate + 4%) with a down payment from 15%for all clients; key rate 14%
Lowest rate
17%/yearfrom 17% (key rate + 3%)
Highest rate
18%/year18% per annum
Maximum amount
480 000 000 UZSup to 480 mln UZS (Tashkent); up to 380 mln (regions)
Loan term
up to 240 mo.
Down payment
15%from 15% of the housing cost
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Insurance required
no
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
240 mo.
—
15%
all clients
18%/yearfor all clients: Central Bank key rate + 4%
240 mo.
—
15%
salary clients
17%/yearpayroll project participants: Central Bank key rate + 3%
240 mo.
—
20%
special category
17%/yearemployees of the prosecutor's office: Central Bank key rate + 3%
240 mo.
—
25%
all clients
17%/yearfor all clients: Central Bank key rate + 3%
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 ↗
Exclusive mortgage
Purpose
purchase of an apartment on the primary market in a commissioned building divided into apartments and ready for finishing work
Rate (main case)
18%/year18% per annum (Central Bank key rate + 4%) for a term of up to 20 yearsat the expense of the Ministry of Economy and Finance (Tashkent city up to 420 mln, other regions up to 330 mln); key rate 14%
Lowest rate
18%/yearfrom 18% per annum
Highest rate
28%/year28% at the bank’s own expense (key rate + 14%)
Maximum amount
1 000 000 000 UZSup to 1 bn UZSfrom the funds of the Ministry of Economy and Finance: Karakalpakstan and the regions up to 330 mln, Tashkent city up to 420 mln; the missing part - the bank's funds
Loan term
up to 240 mo.
Down payment
20%at least 20% of the apartment costpayment through an auction may be counted as the down payment
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
240 mo.
—
20%
18%/yearfunded by the Ministry of Economy and Finance: Central Bank key rate + 4%
240 mo.
—
20%
28%/yearfrom the bank's own funds: Central Bank key rate + 14%
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 Universal hamkor
Purpose
participation in shared construction of apartment buildings at facilities approved by the bank
Rate (main case)
18%/year18% per annum (Central Bank key rate + 4%) for a term of up to 20 yearsafter the apartment is pledged as collateral, from the attracted resources of the Ministry of Economy and Finance (variable); key rate 14%
Lowest rate
18%/yearfrom 18% per annum
Highest rate
27%/year27% from the bank's own funds (key rate + 13%, fixed)
Maximum amount
1 000 000 000 UZSup to 1 bn UZSat the expense of the Ministry of Economy and Finance: Tashkent city up to 480 mln, Karakalpakstan and regions up to 380 mln; the rest — bank funds
Loan term
up to 240 mo.
Down payment
20%at least 20% of the property valueat least 15% from the Ministry of Economy and Finance and at least 5% from the bank
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
240 mo.
—
20%
18%/yearfunded by Ministry of Economy and Finance resources: CB key rate + 4% (variable); before the apartment is pledged as collateral — key rate + 4...8%
240 mo.
—
20%
27%/yearfrom the bank's own funds: Central Bank key rate + 13% (fixed)
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Yashil ta’mir mortgage
Purpose
repair of a residential property using eco-friendly and energy-efficient solutions
Rate (main case)
19%/year19% per annum (fixed) for a term of 10 years
Lowest rate
19%/year19% per annum
Highest rate
19%/year19% per annum
Maximum amount
170 000 000 UZSup to 170 mln UZS
Loan term
120 mo.
Down payment
no down paymentdown payment 0 UZS
Collateral
yes
Accepted as collateral
real estate
Repayment scheme
annuity
Borrower age
18–70 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 primary housing
Purpose
purchase of apartments in commissioned apartment buildings on the primary housing market
Rate (main case)
19%/year19% per annum (Central Bank key rate + 5%)key rate 14%
Lowest rate
19%/year19% per annum
Highest rate
19%/year19% per annum
Maximum amount
800 000 000 UZSup to 800 mln UZS (Tashkent); up to 500 mln (Karakalpakstan and regions)
Loan term
120–240 mo.
Down payment
25%25% of the apartment pricethe contribution is placed on the 'Kafolat-3' deposit
Collateral
yes
Accepted as collateral
real estate
Insurance required
yes
Borrower age
18–70 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
240 mo.
—
25%
19%/yearterm from 10 to 20 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 ↗
Mulk mortgage
Purpose
purchase of housing – an apartment or an individual house – on the primary or secondary market
Rate (main case)
21%/year21% per annum for a term of up to 10 yearsfor individuals with official and unofficial income
Lowest rate
21%/yearfrom 21% per annum
Highest rate
24%/year24% for a term of up to 20 years
Maximum amount
1 500 000 000 UZSup to 1,5 bn UZS (Tashkent); up to 800 mln (other regions)
Loan term
up to 240 mo.
Down payment
20%at least 20% (primary market), at least 30% (secondary)
Grace period
12 mo.
Collateral
yes
Accepted as collateral
real estate
Insurance required
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
120 mo.
—
20%
all clients
21%/yearterm up to 10 years; down payment 20% (primary market), 30% (secondary)
121–180 mo.
—
20%
all clients
22%/yearterm up to 15 years
181–240 mo.
—
20%
all clients
24%/yearterm up to 20 years
240 mo.
—
20%
salary clients
22%/yearpayroll project participants; term up to 20 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 ↗
Mulk-ulushdor mortgage
Purpose
purchase of an apartment in an apartment building under construction under a shared construction agreement (only for properties with a cooperation agreement with the bank)
Rate (main case)
21%/year21% per annum for a term of up to 10 yearsfor individuals with official and unofficial income
Lowest rate
21%/yearfrom 21% per annum
Highest rate
24%/year24% for a term of up to 20 years
Maximum amount
1 500 000 000 UZSup to 1,5 bn UZS (Tashkent); up to 800 mln (Karakalpakstan and regions)
Loan term
up to 240 mo.
Down payment
20%at least 20% of the apartment cost
Grace period
12 mo.
Collateral
yes
Accepted as collateral
real estate
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
120 mo.
—
20%
all clients
21%/yearterm up to 10 years
121–180 mo.
—
20%
all clients
22%/yearterm up to 15 years
181–240 mo.
—
20%
all clients
24%/yearterm up to 20 years
240 mo.
—
20%
salary clients
22%/yearpayroll project participants; term up to 20 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 ↗
Ishonchli mortgage
Purpose
purchase of residential real estate on the primary or secondary market
Rate (main case)
24%/year24% per annum for a term of up to 10 yearsfor individuals with official and unofficial income
Lowest rate
23.5%/yearfrom 23,5% for payroll project participants, term up to 15 years
Highest rate
24.5%/year24,5% for a term of up to 15 years
Maximum amount
1 500 000 000 UZSup to 1,5 bn UZS
Loan term
up to 180 mo.
Down payment
20%at least 20% of the property value
Grace period
24 mo.
Collateral
yes
Accepted as collateral
real estate
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
120 mo.
—
20%
all clients
24%/yearterm up to 10 years; grace period up to 12 mo. with a differentiated schedule
121–180 mo.
—
20%
all clients
24.5%/yearterm up to 15 years; grace period up to 24 mo. with a differentiated schedule
180 mo.
—
20%
salary clients
23.5%/yearpayroll project participants; grace period up to 24 mo. with a differentiated schedule
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 home renovation
Purpose
for home renovation
Rate (main case)
32%/year32% per annum for a term of up to 10 years
Lowest rate
32%/year32% per annum
Highest rate
32%/year32% per annum
Maximum amount
200 000 000 UZSup to 200 mln UZS
Loan term
up to 120 mo.
Down payment
no down paymentdown payment 0 UZS
Grace period
3 mo.
Borrower age
18–70 years
Rates by term, amount and client category
Term
Amount
Rate
120 mo.
—
32%/yearterm up to 10 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 ↗
Microloans
Istiqlol microloan
Purpose
no designated purpose
Rate (main case)
22%/year22% per annum for a term of up to 12 monthsfor citizens with an official income; special offer 'Istiqlol' for the 35th anniversary of Independence and the 104th anniversary of the bank
Lowest rate
20%/yearfrom 20% for payroll project participants for a term of up to 6 months
Highest rate
24%/yearup to 24% for citizens with official income for a term of up to 36 months
Minimum amount
2 000 000 UZSfrom 2 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
up to 36 mo.
Accepted as collateral
car, real estate
Proof of income
yes
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Clients
Rate
6 mo.
—
all clients
21%/yearcitizens with official income
6 mo.
—
salary clients
20%/yearpayroll project participants
12 mo.
—
all clients
22%/yearcitizens with official income
12 mo.
—
salary clients
21%/yearpayroll project participants
24 mo.
—
all clients
23%/yearcitizens with official income
24 mo.
—
salary clients
22%/yearpayroll project participants
36 mo.
—
all clients
24%/yearcitizens with official income
36 mo.
—
salary clients
23%/yearpayroll project participants
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 ↗
Istiqlol online microloanonline
Purpose
for any purpose
Rate (main case)
22%/year22% per annum for a term of up to 12 monthsfor citizens with official income; special offer “Istiqlol online” (under the “Yangicha onlayn mikroqarz” product) for the 35th anniversary of Independence and the 104th anniversary of the bank
Lowest rate
21%/yearfrom 21% for a term of up to 6 months
Highest rate
24%/yearup to 24% for a term of up to 36 months
Minimum amount
2 000 000 UZSfrom 2 mln UZStotal amount, including the balance of microloans in other organizations, not more than 100 mln
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
up to 36 mo.
Accepted as collateral
car, real estate
Proof of income
yes
Insurance required
yes
Borrower age
18–65 years
Decision time
24/7, funds are usually credited within a few minutes
Rates by term, amount and client category
Term
Amount
Rate
6 mo.
—
21%/yearcitizens with official income
12 mo.
—
22%/yearcitizens with official income
24 mo.
—
23%/yearcitizens with official income
36 mo.
—
24%/yearcitizens with official income
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 ↗
MikroMadad microloan
Purpose
no designated purpose
Rate (main case)
26%/year26% per annum for a term of up to 12 monthstariff «for all clients»
Lowest rate
23%/yearfrom 23% secured by property, for a term of up to 12 months
Highest rate
30%/yearup to 30% for a term of up to 48 months
Minimum amount
2 000 000 UZSfrom 2 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
up to 48 mo.
Accepted as collateral
car, real estate
Proof of income
yes
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Clients
Rate
12 mo.
—
all clients
26%/year
12 mo.
—
special category
23%/yearclients providing property as collateral
12 mo.
—
salary clients
24%/yearpayroll project clients
24 mo.
—
all clients
27%/year
24 mo.
—
special category
24%/yearclients providing property as collateral
24 mo.
—
salary clients
25%/yearpayroll project clients
36 mo.
—
all clients
28%/year
36 mo.
—
special category
25%/yearclients providing property as collateral
36 mo.
—
salary clients
26%/yearpayroll project clients
48 mo.
—
all clients
30%/year
48 mo.
—
special category
27%/yearclients providing property as collateral
48 mo.
—
salary clients
28%/yearpayroll project clients
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 under an open credit lineonline
Purpose
for any purpose (the intended use is not specified on the page)
Rate (main case)
29.9%/year29,9% per annum for 24 monthsfor clients with an official income; no base term of 12 mo., the product term is 24 mo. (nearest longer one)
Lowest rate
26.9%/yearfrom 26,9% for payroll project participants
Highest rate
29.9%/year29,9% for clients with official income
Minimum amount
2 000 000 UZSfrom 2 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
24 mo.
Grace period
12 mo.
Accepted as collateral
car, real estate
Proof of income
yes
Repayment scheme
differentiated
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Clients
Rate
Repayment
24 mo.
—
all clients
29.9%/yearclients with official income
differentiated
24 mo.
—
salary clients
26.9%/yearclients of the bank’s payroll project
differentiated
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
Educationalonline
Purpose
payment for full-time tuition at higher and professional educational organizations in Uzbekistan
Available to
for students of fee-based contract full-time study
Rate (main case)
14%/year14% per annum (equal to the Central Bank base rate)the rate equals the current base rate of the Central Bank of the Republic of Uzbekistan (14%); when the Central Bank rate falls, it falls proportionally; when it rises, it does not increase. Interest on loans issued to women for paid-contract education is repaid from the Educational Loan Financing Fund under the Ministry of Economy and Finance
Highest rate
14%/yearup to 14% per annum
Maximum amount
equal to the tuition cost1st year - full cost; from the 2nd year depends on GPA: GPA below 3,0 - up to 80% of the contract amount (20% paid by the student); GPA 3,0 and above and family in the Unified Social Protection Register - full cost
Loan term
up to 138 mo.
Grace period
6 mo.
Accepted as collateral
real estate, car
Proof of income
yes
Repayment scheme
differentiated
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Rate
Repayment
138 mo.
—
14%/yearterm up to 11 years 6 months (full study period + 7 years); the rate does not depend on the term
differentiated
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 ↗
Loan refinancing
Transfer of loan debt
Purpose
transfer of debt under a mortgage or consumer loan issued by SQB to a new borrower with the consent of the current one
Available to
to new borrowers assuming the debt on an SQB mortgage or consumer loan
Rate (main case)
23%/year23% per annum for a term of up to 7 yearsfor loans issued from attracted funds (Yangi uyga ipoteka, Yangi uyga ipoteka-2, Yashil ipoteka, Shahar qurilish invest, Qishloq qurilish invest); the base term of 36 mo. is not in the table, the nearest longer one was taken (up to 7 years). For loans issued from the bank's own funds, the rate and term are as per the original agreement
Lowest rate
23%/yearfrom 23% per annum
Highest rate
25%/yearup to 25% per annum for a term of up to 15 years
Maximum amount
outstanding debt under the original contract
Loan term
up to 180 mo.
Collateral
yes
Accepted as collateral
real estate, car
Borrower age
18–65 years
Rates by term, amount and client category
Term
Amount
Rate
84 mo.
—
23%/yearterm up to 7 years
85–120 mo.
—
24%/yearterm up to 10 years
121–180 mo.
—
25%/yearterm up to 15 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 ↗
Other loans
Green komfort
Purpose
purchase, installation and maintenance of solar panels, wind generators, heat pumps, energy storage devices and other energy-efficient equipment
Rate (main case)
20%/year20% per annum for 36 monthsCentral Bank key rate + 6% (key rate 14%)
Maximum amount
200 000 000 UZSup to 200 mln UZS
Loan term
up to 36 mo.
Down payment
no down paymentdown payment is not required
Grace period
6 mo.
Accepted as collateral
car, real estate
Proof of income
yes
Borrower age
18–70 years
Rates by term, amount and client category
Term
Amount
Rate
36 mo.
—
20%/yearterm up to 36 months; Central Bank key rate + 6%
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 ↗
Microcredit
Purpose
for self-employed persons earning income from performing work or providing services; for any purposes related to the activity
Available to
for self-employed persons earning income from work or services
Rate (main case)
26.9%/year26,9% per annum for 36 months3 years - 26,9%
Lowest rate
26.9%/yearfrom 26,9% per annum
Highest rate
28.9%/year28,9% for 5 years
Minimum amount
2 000 000 UZSfrom 2 mln UZS
Maximum amount
300 000 000 UZSup to 300 mln UZS
Loan term
up to 60 mo.
Accepted as collateral
car, real estate
Borrower age
18–70 years
Rates by term, amount and client category
Term
Amount
Rate
36 mo.
—
26.9%/yearterm 3 years
48 mo.
—
27.9%/yearterm 4 years
60 mo.
—
28.9%/yearterm 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 ↗
