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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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
Universal
Purpose
consumer loan for goods and services produced in Uzbekistan (household appliances, furniture, courses, treatment, wedding, etc.)
Available to
individuals purchasing goods and services produced in the Republic of Uzbekistan
Rate (main case)
27%/year27% per annum for a term of up to 24 monthsno base term of 36 mo., the nearest shorter one is taken — 24 mo. (27%, up to 200 BCV, collateral only); for a term up to 12 months and an amount up to 100 BCV — 25%
Lowest rate
25%/yearfrom 25% per annumup to 100 BCV, up to 12 months
Highest rate
27%/yearup to 27% per annumup to 200 BCV, up to 24 months
Maximum amount
up to 200 times the base calculation value (for a term of up to 24 mo.), up to 100 BCV (for a term of up to 12 mo.)the amount in UZS is determined by the base calculated value (BCV) (412 000 UZS per the bank's mortgage information sheet)
Loan term
up to 24 mo.
Accepted as collateral
real estate, car, deposit
Proof of income
yes
Decision time
up to 3 days
Rates by term, amount and client category
Term
Amount
Rate
12 mo.
up to 41 200 000 UZS
25%/yearup to 100 BCV (≈ 41,2 mln UZS at BCV 412 000 UZS — per the bank's mortgage information sheet); security — guarantee of an individual or legal entity, insurance policy, collateral of real estate, vehicles or cash
24 mo.
up to 82 400 000 UZS
27%/yearup to 200 BCV (≈ 82,4 mln UZS at a BCV of 412 000 UZS); security — collateral of real estate or a vehicle
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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
Auto loan
Purpose
purchase of a new or used car on the primary and secondary market
Available to
individuals with a regular income, self-employed, education and healthcare workers, payroll clients
Rate (main case)
22.9%/year22,9% per annum for a term of up to 60 months with a 25% down paymentsteady income: 22,9% (down payment 25%) and 21,9% (down payment 40%); self-employed 23,9% and 22,9%; education and healthcare workers with more than 1 year of experience 22,5% and 21,5%; the bank's payroll project with more than 1 year of experience 22% and 21%
Lowest rate
21%/yearfrom 21% per annumbank's payroll project, length of service over 1 year, down payment 40%
Highest rate
23.9%/yearup to 23,9% per annumself-employed, down payment 25%
Maximum amount
maximum amount is not specified on the page
Loan term
up to 60 mo.
Down payment
25%from 25% of the car value
Collateral
yes
Accepted as collateral
car
Guarantor
no
Proof of income
yes
Insurance required
yes
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
60 mo.
—
25%
all clients
22.9%/yearregular income; up to 60 months; security — the car and an insurance policy against the risk of non-repayment (new cars — at least 12 mo., used cars — for the entire term)
60 mo.
—
25%
special category
23.9%/yearself-employed, new and used cars, insurance policy for the entire term
60 mo.
—
25%
special category
22.5%/yeareducation and healthcare workers with more than 1 year of work experience
60 mo.
—
25%
salary clients
22%/yearemployees of organizations participating in the bank's payroll project with more than 1 year of service
60 mo.
—
40%
all clients
21.9%/yearstable income, 40% down payment
60 mo.
—
40%
special category
22.9%/yearself-employed, down payment 40%
60 mo.
—
40%
special category
21.5%/yeareducation and healthcare workers with more than 1 year of experience, down payment 40%
60 mo.
—
40%
salary clients
21%/yearbank's payroll project, length of service over 1 year, down payment 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 ↗
Auto loan for the purchase of KIA, CHERY, HAVAL, CHANGAN cars
Purpose
purchase of a new KIA, CHERY, HAVAL, CHANGAN car produced by «ADM JIZZAKH» LLC on the primary market
Available to
individuals with a regular income and self-employed
Rate (main case)
rate from 0% to 18,5% per annum, the exact rate is not tied to the termsThe bank writes “From 0% to 18,5%” in a single line; what the rate depends on (model, term, down payment) is not stated, the value for the main case cannot be determined
Lowest rate
0%/yearfrom 0% per annumlower bound of the range “From 0% to 18,5%”
Highest rate
18.5%/yearup to 18,5% per annumupper bound of the range “From 0% to 18,5%”
Maximum amount
maximum amount is not specified on the page
Loan term
up to 60 mo.
Down payment
25%from 25% of the car value
Late payment penalty
0.4%/daypenalty of 0,4% per day on the overdue amount, but no more than 50% of the overdue interest amountfrom the auto loan information sheet form (section 2, item 1); the form is not filled in, which exact auto loan it relates to is not specified
Collateral
yes
Accepted as collateral
car
Guarantor
no
Proof of income
yes
Insurance required
yes
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
Mortgage for the purchase of housing on the primary market
Purpose
purchase of an apartment on the primary market (in apartment buildings) from the funds of the Ministry of Economy and Finance
Available to
citizens of the Republic of Uzbekistan; regular income or self-employed
Rate (main case)
17%/yearCB + 3% (about 17%) per annum for a term of up to 240 monthson the loan page — “CB base rate +3 percent”; the 17% figure is from the list card (“from 17 %”), at a CB rate of 14%
Lowest rate
17%/yearfrom 17% per annum (CB + 3%)from the list card; calculated at a Central Bank rate of 14%
Highest rate
17%/year17% per annum (Central Bank + 3%)same rate for regular income and self-employed
Maximum amount
480 000 000 UZSup to 480 mln UZS for Tashkent, up to 380 mln UZS for Karakalpakstan and the regionsthe limit changes automatically when changed by Presidential Decree
Loan term
up to 240 mo.
Down payment
15%from 15% (regular income), 20% (self-employed)
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
Clients
Rate
240 mo.
up to 480 000 000 UZS
15%
all clients
17%/yearstable income; up to 380 mln UZS for Karakalpakstan and the regions, up to 480 mln UZS for Tashkent; “CBU key rate +3 percent”
240 mo.
up to 480 000 000 UZS
20%
special category
17%/yearself-employed; «Central Bank base rate +3 percent»
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 purchasing housing from the company O‘zshahar qurilish invest
Purpose
purchase of an apartment on the primary market from «O'zshahar qurilish invest» LLC and its enterprises
Available to
citizens of Uzbekistan with a stable income (salary for at least 6 months) and self-employed; housing from LLC «O'zshahar qurilish invest» and its enterprises
Rate (main case)
17%/yearCentral Bank + 3% (about 17%) per annum for a term of up to 240 mo., part funded by the Ministry of Economy and Financepart from funds of the Ministry of Economy and Finance — “Central Bank base rate +3%”, the figure was calculated at a Central Bank rate of 14% (per the list cards: “from 17%” at Central Bank+3 and 20% at Central Bank+6 for “Green Energy”); the loan page has no figure; part from the bank's own funds — 22,5% (down payment 20%) or 22,0% (down payment 30%)
Lowest rate
17%/yearfrom 17% per annum (CB + 3%)calculated at the CB rate of 14%; Ministry of Economy and Finance portion, regular income
Highest rate
22.8%/yearup to 22,8% per annumself-employed, part from the bank's own funds, down payment 20%
Maximum amount
1 000 000 000 UZSup to 1,0 bn UZS in total per borrowerof which up to 380 mln UZS (regions) or up to 480 mln UZS (Tashkent) from the Ministry of Economy and Finance, the rest - the bank's funds
Loan term
up to 240 mo.
Down payment
15%from 15% of the cost (permanent income), from 20% (self-employed)
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
Clients
Rate
120 mo.
—
20%
all clients
22.5%/yearstable income, the remainder from the bank's funds / JSC «Mortgage Refinancing Company», LTV ≤80%
120 mo.
—
20%
special category
22.8%/yearself-employed, the remainder at the bank’s expense, down payment 20%
120 mo.
—
30%
all clients
22%/yearpermanent income, the rest from the bank’s own funds, contribution 30%, LTV ≤80%
120 mo.
—
40%
special category
22.5%/yearself-employed, the remainder at the bank’s expense, down payment 40%
240 mo.
—
15%
all clients
17%/yearsteady income, part from funds of the Ministry of Economy and Finance (up to 380 mln UZS for regions, up to 480 mln UZS for Tashkent); Central Bank+3%, the figure was calculated at a Central Bank rate of 14% (per the list cards: “from 17%” at Central Bank+3 and 20% at Central Bank+6 for “Green Energy”); the loan page has no figure
240 mo.
—
20%
special category
18%/yearself-employed, Ministry of Economy and Finance part, “CB + 4%”, down payment 20%; figure calculated at CB 14%
240 mo.
—
40%
special category
17.5%/yearself-employed, Ministry of Economy and Finance part, “CB + 3,5%”, down payment 40%; figure calculated at CB 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 ↗
Sharq Bahori-1 mortgage
Purpose
purchase of an apartment in the «Sharq Bahori» residential complex (New Tashkent) under shared participation terms
Available to
citizens of the Republic of Uzbekistan with a regular income and the self-employed, taking a mortgage loan under the program for the first time
Rate (main case)
17%/year17% per annum for a term of up to 240 months (part of the loan at the expense of the Ministry of Economy and Finance)steady income: part from funds of the Ministry of Economy and Finance 17%, part from the bank's own funds 17,9%; self-employed 17,9% for both parts. If collateral is not provided within 20 days after state registration of the apartment, the rate rises to 25% until collateral is provided (not included in rates).
Lowest rate
17%/yearfrom 17% per annumregular income, part at the expense of the Ministry of Economy and Finance
Highest rate
17.9%/yearup to 17,9% per annumpart from the bank's funds, and self-employed; the penalty rate of 25% before the collateral is registered is not included
Maximum amount
700 000 000 UZSup to 700 mln UZS420 mln UZS funded by the Ministry of Economy and Finance + 280 mln UZS funded by the bank; the limit may change following acts of the President/Cabinet of Ministers
Loan term
up to 240 mo.
Down payment
15%from 15% (Ministry of Economy and Finance share), 20% (bank share)
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
Clients
Rate
240 mo.
up to 420 000 000 UZS
15%
all clients
17%/yearregular income, part funded by the Ministry of Economy and Finance (up to 420 mln UZS); 25% before the collateral is registered
240 mo.
up to 420 000 000 UZS
15%
special category
17.9%/yearself-employed, partly funded by the Ministry of Economy and Finance (up to 420 mln UZS)
240 mo.
up to 280 000 000 UZS
20%
all clients
17.9%/yearregular income, part funded by the bank's funds (up to 280 mln UZS); 25% before the collateral is registered
240 mo.
up to 280 000 000 UZS
20%
special category
17.9%/yearself-employed, partly funded by the bank's own funds (up to 280 mln UZS)
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 ↗
Sharq Bahori-2 mortgage
Purpose
purchase of an apartment in the «Sharq Bahori» residential complex (New Tashkent) under shared participation terms
Available to
citizens of the Republic of Uzbekistan with a regular income and the self-employed, taking a mortgage loan under the program for the first time
Rate (main case)
17%/year17% per annum for a term of up to 240 months (part of the loan at the expense of the Ministry of Economy and Finance)steady income: part from funds of the Ministry of Economy and Finance 17%, part from the bank's own funds 18,9%; self-employed 17,9% / 18,9%. If collateral is not provided within 20 days after state registration of the apartment, the rate rises to 25% until collateral is provided (not included in rates).
Lowest rate
17%/yearfrom 17% per annumregular income, part at the expense of the Ministry of Economy and Finance
Highest rate
18.9%/yearup to 18,9% per annumpart funded by the bank; the penalty rate of 25% before collateral is registered is not taken into account
Maximum amount
900 000 000 UZSup to 900 mln UZS420 mln UZS funded by the Ministry of Economy and Finance + 480 mln UZS funded by the bank; the limit may change following acts of the President/Cabinet of Ministers
Loan term
up to 240 mo.
Down payment
15%from 15% (Ministry of Economy and Finance share), 20% (bank share)
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
Clients
Rate
240 mo.
up to 420 000 000 UZS
15%
all clients
17%/yearregular income, part funded by the Ministry of Economy and Finance (up to 420 mln UZS); 25% before the collateral is registered
240 mo.
up to 420 000 000 UZS
15%
special category
17.9%/yearself-employed, partly funded by the Ministry of Economy and Finance (up to 420 mln UZS)
240 mo.
up to 480 000 000 UZS
20%
all clients
18.9%/yearstable income, part from the bank's own funds (up to 480 mln UZS); 25% until the collateral is registered
240 mo.
up to 480 000 000 UZS
20%
special category
18.9%/yearself-employed, partly funded by the bank's own funds (up to 480 mln UZS)
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 purchasing housing from Golden house property group
Purpose
purchase of an apartment on the primary market (shared construction) from the company “Golden house property group”
Available to
citizens of Uzbekistan; apartments of “Golden house property group”
Rate (main case)
20%/year20% per annum for a term of up to 240 months (part from the Ministry of Economy and Finance)part funded by the Ministry of Economy and Finance 20,0%; part funded by the bank 25%. Item 14 of the table states that from the date the Ministry of Economy and Finance resource is allocated, the rate = the Central Bank refinancing rate + 4%
Lowest rate
20%/yearfrom 20% per annumpart funded by the Ministry of Economy and Finance
Highest rate
25%/yearup to 25% per annumpartly from the bank's own funds
Maximum amount
up to 2 500 times the base calculated value; of which up to 380 mln UZS (regions) or up to 480 mln UZS (Tashkent) — Ministry of Economy and Finance, the rest — bank fundsthe amount in UZS is determined by the BCV (412 000 UZS per the information sheet of another mortgage of the bank)
Loan term
up to 240 mo.
Down payment
15%From 15% (Ministry of Economy and Finance portion, permanent income), in other cases 20%
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Borrower age
20–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
120 mo.
—
20%
all clients
25%/yeara portion funded by the bank's own funds, term of up to 10 years
120 mo.
—
20%
special category
25%/yearself-employed, partly from the bank's own funds, term up to 10 years
240 mo.
—
15%
all clients
20%/yearthe part refinanced by the Ministry of Economy and Finance (up to 380 mln UZS for the regions, up to 480 mln UZS for Tashkent), term up to 20 years; cl. 14 states “Central Bank refinancing rate + 4%”
240 mo.
—
20%
special category
20%/yearself-employed, Ministry of Economy and Finance portion, 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 ↗
Mortgage for purchasing housing on the primary and secondary markets
Purpose
purchase of housing commissioned (with a cadastre) on the primary and secondary market at the expense of JSC “Uzbekistan Mortgage Refinancing Company”
Available to
citizens and residents of Uzbekistan with a source of income
Rate (main case)
21.5%/year21,5% per annum for a term of up to 180 months with a 25% down payment
Lowest rate
21%/yearfrom 21% per annumwith a 35% down payment
Highest rate
21.5%/yearup to 21,5% per annumwith a 25% down payment
Maximum amount
1 000 000 000 UZSup to 1 bn UZS for Tashkent, up to 550 mln UZS for Karakalpakstan and the regionsthe limit changes automatically when changed by Presidential Decree
Loan term
up to 180 mo.
Down payment
25%from 25% of the home's cost (35% — with a reduced rate)
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
180 mo.
up to 1 000 000 000 UZS
25%
21.5%/yeardown payment 25%; up to 550 mln UZS for Karakalpakstan and the regions, up to 1 bn UZS for Tashkent
180 mo.
up to 1 000 000 000 UZS
35%
21%/yeardown payment 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 for persons without an official source of income
Purpose
purchase of commissioned housing (with cadastre) on the primary and secondary market
Available to
citizens and residents of the Republic of Uzbekistan with an unofficial or unverifiable source of income (self-employed, labor migrants, recipients of dividends and rental income, sole proprietors)
Rate (main case)
21.99%/year21,99% per annum for a term of up to 180 months
Lowest rate
21.99%/year21,99% per annum
Highest rate
21.99%/year21,99% per annum
Maximum amount
800 000 000 UZSup to 800 mln UZS for Tashkent, up to 500 mln UZS for Karakalpakstan and the regionsthe limit changes automatically when changed by Presidential Decree
Loan term
up to 180 mo.
Down payment
35%at least 35% of the property value
Collateral
yes
Accepted as collateral
real estate
Guarantor
no
Proof of income
no
Insurance required
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
180 mo.
up to 800 000 000 UZS
35%
special category
21.99%/yearat the expense of JSC «Uzbekistan Mortgage Refinancing Company»; up to 500 mln UZS for Karakalpakstan and the regions, up to 800 mln UZS for Tashkent
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 ↗
Sharq Bahori-3 mortgage
Purpose
purchase of an apartment in the «Sharq Bahori» residential complex (New Tashkent) on a shared-participation basis, from the bank's funds
Available to
citizens of Uzbekistan with a stable income and self-employed
Rate (main case)
23%/year23% per annum for a term of up to 120 monthsregular income 23%, self-employed 24%
Lowest rate
23%/yearfrom 23% per annumsteady income
Highest rate
24%/yearup to 24% per annumself-employed
Maximum amount
800 000 000 UZSup to 800 mln UZSfrom the bank’s own funds
Loan term
up to 120 mo.
Down payment
20%from 20% of the cost
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
Clients
Rate
120 mo.
up to 800 000 000 UZS
20%
all clients
23%/yearpermanent income, from the bank's own funds
120 mo.
up to 800 000 000 UZS
20%
special category
24%/yearself-employed, funded by the own funds of the bank
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 provided from the bank's own funds
Purpose
purchase of housing (an apartment in an apartment building or an individual house) on the primary and secondary markets
Available to
residents of Uzbekistan: individuals with a permanent income and self-employed persons
Rate (main case)
23%/year23% per annum for a term of up to 120 monthsself-employed 24% (down payment 25%); the calculation example in the information sheet shows 25% and 26%
Lowest rate
23%/yearfrom 23% per annumstable income, 20% down payment
Highest rate
24%/yearup to 24% per annumself-employed, down payment 25%
Maximum amount
1 030 000 000 UZSup to 2 500 BCA for an apartment (1,03 bn UZS), up to 3 000 BCA for an individual house (1,236 bn UZS)amounts in UZS — from the bank’s information sheet (BCA 412 000 UZS); the page states “Up to 700,0 mln UZS” on a separate line, the information sheet for self-employed — up to 500 mln UZS
Loan term
up to 120 mo.
Down payment
20%from 20% (stable income), from 25% (self-employed)
Late payment penalty
39%/year39% per annum on the amount of overdue debt; penalty on overdue interest 0,5% per day (no more than 50% of the overdue interest amount)from the bank's information sheet, section 2, item 1; item 2 - in case of delay, interest at a rate increased by a factor of 1,5
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Borrower age
18–65 years
Decision time
3 days
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
120 mo.
—
20%
all clients
23%/yearindividuals with a permanent source of income
120 mo.
—
25%
special category
24%/yearself-employed persons
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
Advantageous microloan
Purpose
microloan for clients with an official salary or pension (products «Kulay Microloan 5» and «Kulay Microloan 10»)
Available to
for clients receiving an official salary or pension
Rate (main case)
19.5%/year19,5% per annum up to 5 mln UZS for a term of up to 36 months“Qulay microloan 5” with a guarantee from an individual; with an insurance policy 19,9%; “Qulay microloan 10” (up to 10 mln) — 20,9% and 21,9%
Lowest rate
19.5%/yearfrom 19,5% per annumQulay microloan 5 with a guarantor
Highest rate
21.9%/yearup to 21,9% per annumQulay microloan 10 with an insurance policy
Maximum amount
10 000 000 UZSup to 10 mln UZSup to 5 mln under "Kulay microloan 5", up to 10 mln under "Kulay microloan 10"
Loan term
up to 36 mo.
Proof of income
yes
Rates by term, amount and client category
Term
Amount
Clients
Rate
36 mo.
up to 5 000 000 UZS
salary clients
19.5%/yearQulay microloan 5, security — guarantee of an individual with a permanent job and income; term up to 36 mo.
36 mo.
up to 5 000 000 UZS
salary clients
19.9%/yearKulay microloan 5, security - an insurance policy against the risk of non-repayment; term up to 36 mo.
36 mo.
up to 10 000 000 UZS
salary clients
20.9%/yearKulay microloan 10, security — guarantee of an individual; term up to 36 mo.
36 mo.
up to 10 000 000 UZS
salary clients
21.9%/yearKulay microloan 10, security — insurance policy; term up to 36 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 ↗
Microloan
Purpose
microloan (to a card or in cash) for a term of up to 60 months
Available to
citizens with a stable income; separate rates for the bank's payroll project, education and healthcare workers, self-employed
Rate (main case)
28%/year28% per annum for a term of up to 12 months (with a guarantor)steady income: 28/29/30% with a guarantor or collateral (12/36/60 mo.) and 29/30/31,9% with an insurance policy; the bank's payroll project and education and healthcare workers 24/25/26% and 25/26,5/27,9%; self-employed 28/29/30% with vehicle collateral
Lowest rate
24%/yearfrom 24% per annumpayroll project / education / healthcare, term up to 12 months, guarantee
Highest rate
31.9%/yearup to 31,9% per annumstable income, up to 60 months, insurance policy
Maximum amount
100 000 000 UZSup to 100 mln UZS (up to 50 mln UZS for the self-employed)
Loan term
up to 60 mo.
Accepted as collateral
car, real estate
Proof of income
yes
Rates by term, amount and client category
Term
Amount
Clients
Rate
12 mo.
up to 100 000 000 UZS
all clients
28%/yearpermanent income, security — guarantee of an individual; term up to 12 mo.
12 mo.
up to 100 000 000 UZS
all clients
29%/yearregular income, security - an insurance policy against the risk of non-repayment; term up to 12 mo.
12 mo.
up to 50 000 000 UZS
special category
28%/yearself-employed, vehicle collateral
12 mo.
up to 100 000 000 UZS
salary clients
24%/yearthe bank's payroll project (more than 1 year of service) and education/healthcare workers; guarantee or insurance policy
12 mo.
up to 100 000 000 UZS
salary clients
25%/yearpayroll project / education / healthcare; insurance policy against the risk of non-repayment
24 mo.
up to 50 000 000 UZS
special category
29%/yearself-employed, vehicle collateral
36 mo.
up to 100 000 000 UZS
all clients
29%/yearpermanent income, security — guarantee of an individual; term up to 36 mo.
36 mo.
up to 100 000 000 UZS
all clients
30%/yearregular income, security — insurance policy; term up to 36 mo.
36 mo.
up to 50 000 000 UZS
special category
30%/yearself-employed, vehicle collateral
36 mo.
up to 100 000 000 UZS
salary clients
25%/yearthe bank's payroll project (more than 1 year of service) and education/healthcare workers; guarantee or insurance policy
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 energy
Purpose
purchase and installation of energy-saving solar panels with a capacity of up to 5 kW
Available to
citizens of the Republic of Uzbekistan aged 20-60 with an official place of work and income; the loan can be taken once
Rate (main case)
20%/yearCentral Bank + 6% (about 20%) per annum for a term of up to 36 monthsCB + 6% with a guarantee/collateral; CB + 7% with an insurance policy; the 20% figure is from the list card, at the CB rate of 14%
Lowest rate
20%/yearfrom 20% per annum (CB + 6%)from the list card
Highest rate
21%/yearup to 21% per annum (CB + 7%)calculated at the Central Bank rate of 14% (per the list card CB+6=20%)
Maximum amount
no more than 200 times the base calculated valuethe amount in UZS is determined by the base calculated value (BCV) (412 000 UZS per the bank's mortgage information sheet)
Loan term
up to 36 mo.
Accepted as collateral
car, real estate
Proof of income
yes
Borrower age
20–60 years
Rates by term, amount and client category
Term
Amount
Rate
12 mo.
—
20%/yearCentral Bank + 6%, security – guarantee by an individual or vehicle collateral; the figure is calculated at a Central Bank rate of 14%
12 mo.
—
21%/yearCB + 7%, security - an insurance policy against the risk of non-repayment; figure calculated at CB 14%
36 mo.
—
20%/yearCB + 6%, security - guarantee of an individual, collateral of real estate or motor vehicles; the figure is calculated at CB 14%
36 mo.
—
21%/yearCB + 7%, security - an insurance policy against the risk of non-repayment; figure calculated at CB 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 ↗
