Xalq Bank: 22 loans, types: auto loan, mortgage, microloan, education loan, installment plan, other.
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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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
Zero auto loan
Purpose
purchase of a car from the bank's partner organizations
Available to
individuals with official income and self-employed, aged 18-60
Rate (main case)
0%/year0% per annum with a 30% down payment, term up to 60 months'on the basis of a general agreement concluded with partner organizations'
Lowest rate
0%/year0%
Highest rate
0%/year0%
Maximum amount
600 000 000 UZSup to 600 000 000 UZStypo on the page: 'up to 600 000 000 months'
Loan term
up to 60 mo.
Down payment
30%30% of the cost
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Borrower age
18–60 years
Decision time
after the full set of documents - up to 3 banking business days
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
60 mo.
—
30%
0%/yeardown payment 30%; under a master agreement with partner organizations
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 auto loanonline
Purpose
purchase of a car from dealers (car showrooms) via the Xazna app
Available to
citizens of Uzbekistan aged 18-60 with official income
Rate (main case)
23%/year23% per annum with a 35% down payment, term up to 60 monthsfor Uzautomotors vehicles the down payment is 25% at the same rate
Lowest rate
23%/year23% per annum
Highest rate
23%/year23% per annum
Maximum amount
600 000 000 UZSup to 600 000 000 UZS
Loan term
up to 60 mo.
Down payment
25%from 25% (35% for other cars)25% - for Uzautomotors cars, 35% - in all other cases
Collateral
yes
Accepted as collateral
car
Proof of income
no
Insurance required
yes
Repayment scheme
annuity
Borrower age
18–60 years
Decision time
within 1 business day after documents
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Channel
Repayment
60 mo.
—
25%
23%/yearfor Uzautomotors cars the down payment is 25%
online
annuity
60 mo.
—
35%
23%/yeardown payment 35%
online
annuity
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Auto loan
Purpose
purchase of a car from official dealers (car dealerships)
Available to
citizens of Uzbekistan aged 18-60 with official income, as well as self-employed
Rate (main case)
24%/year24% per annum with a 25% down payment, term of up to 5 yearsgeneral terms (block heading on the page); the subheading of the same block shows 25% with a 25% down payment and 24% with a 40% down payment - a discrepancy
Lowest rate
23%/yearfrom 23% for the payroll project
Highest rate
24%/yearup to 24% according to the terms headings
Maximum amount
600 000 000 UZSup to 600 000 000 UZS
Loan term
up to 60 mo.
Down payment
25%from 25% of the cost
Grace period
6 mo.
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Borrower age
18–60 years
Decision time
documents are reviewed within 3 business days
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
60 mo.
—
25%
all clients
24%/yeargeneral terms, down payment 25%; term up to 5 years
60 mo.
—
25%
salary clients
23%/yearpayroll project, down payment 25%
60 mo.
—
50%
special category
24%/yearself-employed, down payment 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 ↗
Mortgages
Prosperous Life
Purpose
purchase of housing on the primary market
Available to
citizens of Uzbekistan aged 18-60 with official income (with a 20% down payment - also without official income, migrants, self-employed)
Rate (main case)
17%/year17% per annum with a 15% down payment, term up to 240 months
Lowest rate
17%/year17% per annum
Highest rate
17%/year17% per annum
Maximum amount
480 000 000 UZSup to 480 000 000 UZS in Tashkent; up to 380 000 000 UZS in Karakalpakstan and the regions
Loan term
up to 240 mo.
Down payment
15%from 15% of the value (20% for persons without official income)
Collateral
yes
Accepted as collateral
real estate
Borrower age
18–60 years
Decision time
up to 3 banking business days after documents; scoring
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
240 mo.
—
15%
all clients
17%/yearpersons with a permanent income, down payment 15%
240 mo.
—
20%
special category
17%/yearpersons without official and/or permanent income, down payment 20%
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 ↗
Imkon
Purpose
financing of housing construction on the basis of shared participation (properties under the bank's master agreement with the developer)
Available to
citizens of Uzbekistan aged 18-60 with an official income (self-employed allowed with a co-borrower)
Rate (main case)
20%/year20% per annum with a 15% down payment, term up to 240 monthsafter the housing is commissioned and pledged as collateral, the rate changes to the 'Farovon' mortgage rate
Lowest rate
20%/year20% per annum
Highest rate
20%/year20% per annum
Maximum amount
480 000 000 UZSup to 480 000 000 UZS in Tashkent; up to 380 000 000 UZS in Karakalpakstan and the regions
Loan term
up to 240 mo.
Down payment
15%15% of the cost
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate, other
Insurance required
yes
Repayment scheme
annuity
Borrower age
18–60 years
Decision time
up to 3 banking business days after submission of documents
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
240 mo.
—
15%
20%/yearuntil the housing is commissioned and pledged as collateral; then the rate changes to the 'Farovon' mortgage rate
annuity
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Yashil ipoteka 1
Purpose
home renovation and energy-efficient upgrades (private houses, apartments); at least 50% of funds - for energy-efficient goods
Available to
citizens of Uzbekistan aged 18-60 with an official income; the monthly income of the borrower and co-borrowers is no more than 17 mln UZS
Rate (main case)
20%/year20% per annum for a term of up to 120 months
Lowest rate
20%/year20% per annum
Highest rate
20%/year20% per annum
Maximum amount
170 000 000 UZSup to 170 000 000 UZS
Loan term
up to 120 mo.
Down payment
no down paymentno down payment required
Insurance
home insurance at 100% of replacement costdown payment amount is not specified on the page
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Repayment scheme
annuity
Borrower age
18–60 years
Decision time
up to 3 banking business days after submission of documents
Rates by term, amount and client category
Term
Amount
Rate
Repayment
120 mo.
—
20%/yearterm up to 120 mo.
annuity
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Oilaviy
Purpose
purchase of an apartment on the primary and secondary market (commissioned, with cadastral documents, for the borrower’s residence)
Available to
citizens of Uzbekistan aged 18-60 with a regular official income
Rate (main case)
21.5%/year21,5% per annum with a 25% down payment, term up to 240 months
Lowest rate
21.5%/year21,5% per annum
Highest rate
21.5%/year21,5% per annum
Maximum amount
1 000 000 000 UZSup to 1 000 000 000 UZS in Tashkent; up to 550 000 000 UZS in Karakalpakstan and the regions
Loan term
up to 240 mo.
Down payment
25%25% of the cost
Insurance
home insurance at 100% of replacement costdown payment amount is not specified on the page
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Borrower age
18–60 years
Decision time
up to one business day after documents; the final decision rests with the underwriters
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
240 mo.
—
25%
21.5%/yearterm up to 20 years, down payment 25%
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 ↗
Makon modular mortgage
Purpose
purchase of an apartment in a new building (an apartment building on the primary market, commissioned no more than 3 years ago)
Available to
citizens of Uzbekistan aged 18-60 with sources of income
Rate (main case)
21.5%/year21,5% per annum with a 25% down payment, term up to 240 months
Lowest rate
21.5%/year21,5% per annum
Highest rate
21.5%/year21,5% per annum
Maximum amount
800 000 000 UZSup to 800 000 000 UZS in Tashkent; up to 500 000 000 UZS in Karakalpakstan and the regions
Loan term
up to 240 mo.
Down payment
25%at least 25% of the cost
Insurance
home insurance at 100% of replacement costdown payment amount is not specified on the page
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Borrower age
18–60 years
Decision time
up to 3 banking business days after documents; scoring
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
240 mo.
—
25%
21.5%/yeardown payment of at least 25%
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 refinancing
Purpose
re-registration of mortgage loans for housing purchased on the primary and secondary markets to creditworthy clients under an assignment of claims agreement
Available to
citizens of Uzbekistan aged 18-60; delinquencies on the refinanced loan of no more than 90 days
Rate (main case)
21.5%/year21,5% per annum for a term of up to 180 months
Lowest rate
21.5%/year21,5% per annum
Highest rate
21.5%/year21,5% per annum
Maximum amount
in the amount of the mortgage balance, but not more than 1 bn UZS in Tashkent and 550 mln UZS in Karakalpakstan and the regions
Loan term
up to 180 mo.
Collateral
yes
Accepted as collateral
real estate
Borrower age
18–60 years
Decision time
up to 3 banking business days after submission of documents
Rates by term, amount and client category
Term
Amount
Rate
180 mo.
—
21.5%/yearterm up to 180 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 ↗
Farovon Plus
Purpose
purchase of an apartment in an apartment building on the primary market - for the part of the cost exceeding the maximum amount of the state mortgage
Available to
citizens of Uzbekistan aged 18-60 buying housing on the primary market
Rate (main case)
23%/year23% per annum for a term of up to 240 months
Lowest rate
23%/year23% per annum
Highest rate
23%/year23% per annum
Maximum amount
600 000 000 UZSup to 600 000 000 UZS
Loan term
up to 240 mo.
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Borrower age
18–60 years
Decision time
up to 3 banking business days after documents; scoring
Rates by term, amount and client category
Term
Amount
Rate
240 mo.
—
23%/yearterm up to 240 months; the down payment is not specified on the page
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 ipoteka 2
Purpose
home renovation and energy-efficient upgrades (private houses, apartments); at least 50% of funds - for energy-efficient goods
Available to
citizens of Uzbekistan aged 18-60 with official income
Rate (main case)
23%/year23% per annum for a term of up to 60 months
Lowest rate
23%/year23% per annum
Highest rate
23%/year23% per annum
Maximum amount
170 000 000 UZSup to 170 000 000 UZS
Loan term
up to 60 mo.
Down payment
no down paymentno down payment required
Insurance
home insurance at 100% of replacement costdown payment amount is not specified on the page
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Borrower age
18–60 years
Decision time
up to 3 banking business days after submission of documents
Rates by term, amount and client category
Term
Amount
Rate
60 mo.
—
23%/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 ↗
Ta'mir
Purpose
housing renovation (up to 30% of the amount — for furniture and equipment)
Available to
citizens of Uzbekistan aged 18-60 with an official income, as well as self-employed persons (with a co-borrower with a permanent income)
Rate (main case)
24%/year24% per annum for a term of up to 120 months
Lowest rate
24%/year24% per annum
Highest rate
24%/year24% per annum
Maximum amount
300 000 000 UZSup to 300 000 000 UZS in Tashkent; up to 200 000 000 UZS in Karakalpakstan and the regions
Loan term
up to 120 mo.
Down payment
no down paymentno down payment required
Insurance
home insurance at 100% of replacement costdown payment amount is not specified on the page
Collateral
yes
Accepted as collateral
real estate
Insurance required
yes
Borrower age
18–60 years
Decision time
up to 3 banking business days after submission of documents
Rates by term, amount and client category
Term
Amount
Rate
120 mo.
—
24%/yearterm up to 120 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 ↗
Qulay
Purpose
purchase of housing on the primary and secondary market
Available to
citizens of Uzbekistan aged 18-60; rate 23% - for the payroll project
Rate (main case)
24%/year24% per annum with a 25% down payment, term up to 180 months
Lowest rate
23%/yearfrom 23% for the payroll project
Highest rate
24%/yearup to 24%
Maximum amount
1 200 000 000 UZSup to 1 200 000 000 UZS
Loan term
up to 180 mo.
Down payment
25%from 25% (40% for the self-employed without official income)
Grace period
6 mo.
Collateral
yes
Accepted as collateral
real estate
Borrower age
18–60 years
Decision time
processed within one business day after the documents are submitted
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
180 mo.
—
25%
all clients
24%/yearindividuals with a regular income, down payment 25%
180 mo.
—
25%
salary clients
23%/yearpayroll project, down payment 25%
180 mo.
—
40%
special category
24%/yearpersons without an official/permanent income (self-employed), 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 ↗
Microloans
Pension microloanonlineno collateral
Purpose
microloan for pensioners without specifying a purpose
Available to
citizens of Uzbekistan aged 55-70 on the date of application who receive an old-age pension on a People's Bank card
Rate (main case)
21%/year21% per annum for a term of up to 24 months
Lowest rate
21%/year21% per annum
Highest rate
21%/year21% per annum
Maximum amount
30 000 000 UZSup to 30 000 000 UZS
Loan term
up to 24 mo.
Grace period
3 mo.
Collateral
no
Guarantor
no
Proof of income
no
Repayment scheme
annuity
Borrower age
55–70 years
Decision time
by scoring; the application is reviewed within up to 3 banking business days after the documents
Rates by term, amount and client category
Term
Amount
Clients
Rate
Channel
Repayment
24 mo.
—
pensioners
21%/yearterm up to 24 mo.
online
annuity
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Online microloanonlineno collateral
Purpose
microloan with no stated purpose (applied for online)
Available to
individuals with a permanent source of income; lower rates - for those who receive their salary on a Xalq Banki card
Rate (main case)
25%/year25% per annum for a term of up to 12 monthsregular clients with a permanent income, term up to 1 year; payroll clients 24%
Lowest rate
24%/yearfrom 24% for payroll clients, for a term of up to 1 year
Highest rate
29%/yearup to 29% for a term of up to 4 years (for clients with a regular income)
Maximum amount
100 000 000 UZSup to 100 000 000 UZS
Loan term
up to 48 mo.
Grace period
6 mo.
Collateral
no
Guarantor
no
Repayment scheme
annuity
Borrower age
18–60 years
Decision time
online application is processed within 5 minutes
Rates by term, amount and client category
Term
Amount
Clients
Rate
Channel
Repayment
12 mo.
—
all clients
25%/yearindividuals with a regular income, term up to 1 year
online
annuity
12 mo.
—
salary clients
24%/yearXalq Bank payroll project, term up to 1 year
online
annuity
13–24 mo.
—
all clients
26%/yearindividuals with a regular income, term up to 2 years
online
annuity
13–24 mo.
—
salary clients
25%/yearpayroll project, term up to 2 years
online
annuity
25–36 mo.
—
all clients
27%/yearindividuals with a regular income, term up to 3 years
online
annuity
25–36 mo.
—
salary clients
26%/yearpayroll project, term up to 3 years
online
annuity
37–48 mo.
—
all clients
29%/yearindividuals with a regular income, term up to 4 years
online
annuity
37–48 mo.
—
salary clients
27%/yearpayroll project, term up to 4 years
online
annuity
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Offline microloanno collateral
Purpose
microloan with no stated purpose (applied for at the office)
Available to
citizens of the Republic of Uzbekistan aged 18-60 with official income
Rate (main case)
25%/year25% per annum for a term of up to 36 months
Lowest rate
25%/year25% per annum
Highest rate
25%/year25% per annum
Maximum amount
100 000 000 UZSup to 100 000 000 UZS
Loan term
up to 36 mo.
Collateral
no
Guarantor
yes
Proof of income
yes
Borrower age
18–60 years
Decision time
up to 3 banking business days after the full set of documents
Rates by term, amount and client category
Term
Amount
Rate
Channel
36 mo.
—
25%/yearterm up to 36 mo.
in branch
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
Ta’lim TOP 300
Purpose
payment for tuition (bachelor's, master's) on a contract basis at foreign universities from the TOP-300 of the QS or THE rankings
Available to
citizens of Uzbekistan up to 30 years of age inclusive (except teachers) admitted to foreign universities from the QS/THE TOP-300; teaching staff over 30 years of age
Rate (main case)
14%/yearequal to the Central Bank base rate (14%)page formula: “at the amount of the current CB base rate”; 14% is the value from the page calculator (calc_percent=14)
Lowest rate
14%/yearCentral Bank key rate
Highest rate
14%/yearCentral Bank key rate
Maximum amount
equivalent of up to 20 000 US dollars in the national currency
Down payment
no down paymentdown payment 0%
Accepted as collateral
real estate
Guarantor
yes
Proof of income
yes
Borrower age
18–60 years
Decision time
after the full set of documents - up to 3 banking business days
Rates by term, amount and client category
Term
Amount
Rate
—
—
14%/yearequal to the current key rate of the Central Bank (14%); the principal is repaid over 7 years, starting from the 7th month after the official end of the study 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 ↗
Education loan
Purpose
payment of the tuition contract at a university or vocational educational institution in Uzbekistan
Available to
university students (full-time) and students of vocational educational institutions whose data is available in the kontrakt.edu.uz / HEMIS / prof.edu.uz systems
Rate (main case)
14%/yearat the CBU base rate (14%)“Loans are provided to students on an interest-free basis, and interest payments (14%) are covered by the Education Lending Fund under the Ministry of Finance”; when the Central Bank rate falls, the rate falls proportionally; when it rises, it remains unchanged
Lowest rate
14%/yearCentral Bank key rate
Highest rate
14%/yearCentral Bank key rate
Maximum amount
in the amount of the contract; for students of year 2+ with a grade below 3 - up to 80% of the contract amount
Accepted as collateral
real estate
Guarantor
yes
Proof of income
yes
Repayment scheme
differentiated
Decision time
automatically via scoring in the Xazna app
Rates by term, amount and client category
Term
Amount
Rate
Repayment
—
—
14%/yearat the Central Bank base rate (14%); per the page, students' interest payments are covered by the Education Lending Fund; term: principal debt after 7 years, starting from the 7th month after graduation
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 loan for students
Purpose
payment of tuition contract (part-time, evening, distance learning forms and differentiated contract)
Available to
citizens of Uzbekistan admitted to or studying at universities and vocational organizations of the republic on a contract basis in part-time, evening or distance format or under a differentiated contract
Rate (main case)
24%/year24% per annum for a term of up to 60 months
Lowest rate
24%/year24% per annum
Highest rate
24%/year24% per annum
Maximum amount
in the amount of the contract sum; the loan balance during studies not more than 400 BCV
Loan term
up to 60 mo.
Accepted as collateral
real estate
Guarantor
yes
Proof of income
yes
Decision time
based on scoring; the application is reviewed within up to 3 banking business days
Rates by term, amount and client category
Term
Amount
Rate
60 mo.
—
24%/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 ↗
Installment plans
Nasiyano collateral
Purpose
purchase of goods and services
Available to
citizens of Uzbekistan aged 18-60 on the date of application
Rate (main case)
0%/year0% per annum (interest-free) for a term of up to 36 months
Lowest rate
0%/year0%
Highest rate
0%/year0%
Maximum amount
40 000 000 UZSup to 40 000 000 UZS
Loan term
up to 36 mo.
Collateral
no
Guarantor
no
Proof of income
no
Insurance required
yes
Repayment scheme
differentiated
Borrower age
18–60 years
Decision time
automatically (scoring)
Rates by term, amount and client category
Term
Amount
Rate
Repayment
36 mo.
—
0%/yearinterest-free installments for up to 36 months
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 ↗
OPEN installment planonlineno collateral
Purpose
purchase of goods and services from partner organizations through the Open app
Available to
citizens of Uzbekistan aged 18-60 with a regular income (application via the Open app)
Rate (main case)
0%/year0% per annum for a term of up to 12 months
Lowest rate
0%/year0%
Highest rate
0%/year0%
Maximum amount
30 000 000 UZSup to 30 000 000 UZS
Loan term
up to 12 mo.
Collateral
no
Guarantor
no
Proof of income
no
Insurance required
yes
Repayment scheme
differentiated
Borrower age
18–60 years
Decision time
automatically (scoring)
Rates by term, amount and client category
Term
Amount
Rate
Repayment
12 mo.
—
0%/yearinterest-free installments for up to 12 months
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 ↗
Other loans
Green
Purpose
purchase of solar panels
Available to
citizens of Uzbekistan aged 18-60 with a permanent income in the form of salary
Rate (main case)
20%/yearCB base rate + 6 p.p. (20% at a CB rate of 14%)formula from the page: 'Central Bank base rate + 6 percent'; 20% - value from the calculator on the page (calc_percent=20)
Lowest rate
20%/year20% with the CB base rate of 14%
Highest rate
20%/year20% with the CB base rate of 14%
Maximum amount
100 000 000 UZSup to 100 000 000 UZS'Important terms' states up to 50 mln UZS for individuals, for certain mahallas and programs - more
Loan term
up to 60 mo.
Down payment
no down paymentno down payment
Grace period
6 mo.
Accepted as collateral
other
Proof of income
yes
Borrower age
18–60 years
Decision time
documents are reviewed for up to 3 business days
Rates by term, amount and client category
Term
Amount
Rate
60 mo.
—
20%/yearCentral Bank base rate + 6 p.p.; term up to 5 years; at a Central Bank base rate of 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 ↗
