Ziraat Bank Uzbekistan: 7 loans, types: consumer loan, auto loan, mortgage, microloan, 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Consumer loans
Consumer loanresidents only
Purpose
purchase of consumer goods, building materials and home renovation services, other consumer purposes (under a contract with the supplier)
Available to
individuals with official income (permanent job, salary via the project); residents of the Republic of Uzbekistan only
Rate (main case)
28%/year28% per annum for 36 monthsTerm 25-36 mo., clause 1.8 of the page. Annuity or differentiated payment to choose from (both types are stated on the page)
Lowest rate
25.5%/yearfrom 25.5% per annumMinimum across all options of the rate table
Highest rate
28%/yearup to 28% per annumMaximum across all options of the rate table
Minimum amount
25 000 000 UZSfrom 25 mln UZSClause 1.10 of the page
Maximum amount
up to 400 BCV (base calculation values)Clause 1.11 of the page; the amount in UZS depends on the current BCV amount, not specified on the page
Loan term
up to 36 mo.
Collateral
yes
Accepted as collateral
other
Proof of income
yes
Repayment scheme
other
Borrower age
21–60 years
Decision time
within 5 business days (with a complete set of documents)
Rates by term, amount and client category
Term
Amount
Rate
Repayment
1–12 mo.
from 25 000 000 UZS
25.5%/yearTerm 1-12 mo.
other
13–24 mo.
from 25 000 000 UZS
26%/yearTerm 13-24 mo.
other
25–36 mo.
from 25 000 000 UZS
28%/yearTerm 25-36 mo.
other
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 for the primary marketavailable to non-residents
Purpose
purchase of a car on the primary market
Rate (main case)
24%/year24% per annum for 36 months with a 30% down paymentTerm 25-36 mo., down payment 30%, client with official income. Table 1.7 of the page. Annuity or differentiated payment at choice (both types are stated on the page)
Lowest rate
21%/yearfrom 21% per annumMinimum across all options of the rate table
Highest rate
27%/yearup to 27% per annumMaximum across all options of the rate table
Maximum amount
900 000 000 UZSup to 900 mln UZSClause 1.9 of the page
Loan term
up to 60 mo.
Down payment
30%from 30% of the costFor borrowers with official income; with a down payment of 40% or more the rate is lower. If sufficient security is provided in addition to the vehicle being purchased, no down payment is required
Collateral
yes
Accepted as collateral
car, real estate
Proof of income
yes
Repayment scheme
other
Borrower age
21–60 years
Decision time
up to 5 business days (with a complete set of documents)
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
1–12 mo.
up to 900 000 000 UZS
30%
all clients
22.5%/yearTerm 1-12 mo. Down payment 30%.
other
1–12 mo.
up to 900 000 000 UZS
30%
special category
23%/yearTerm 1-12 mo. For individuals without official income (sole proprietors, self-employed), down payment from 30%; regular receipts to accounts over the last 6 months.
other
1–12 mo.
up to 900 000 000 UZS
40%
all clients
21%/yearTerm 1-12 mo. Down payment of 40% or more.
other
13–24 mo.
up to 900 000 000 UZS
30%
all clients
23%/yearTerm 13-24 mo. Down payment 30%.
other
13–24 mo.
up to 900 000 000 UZS
30%
special category
24%/yearTerm 13-24 mo. For individuals without official income (sole proprietors, self-employed), down payment from 30%; regular receipts to accounts over the last 6 months.
other
13–24 mo.
up to 900 000 000 UZS
40%
all clients
22%/yearTerm 13-24 mo. Down payment 40% or more.
other
25–36 mo.
up to 900 000 000 UZS
30%
all clients
24%/yearTerm 25-36 mo. Down payment 30%.
other
25–36 mo.
up to 900 000 000 UZS
30%
special category
25%/yearTerm 25-36 mo. For individuals without official income (sole proprietors, self-employed), down payment from 30%; regular receipts to accounts over the last 6 months.
other
25–36 mo.
up to 900 000 000 UZS
40%
all clients
23%/yearTerm 25-36 mo. Down payment 40% or more.
other
37–48 mo.
up to 900 000 000 UZS
30%
all clients
25%/yearTerm 37-48 mo. Down payment 30%.
other
37–48 mo.
up to 900 000 000 UZS
30%
special category
26%/yearTerm 37-48 mo. For individuals without official income (sole proprietors, self-employed), down payment from 30%; regular receipts to accounts over the last 6 months.
other
37–48 mo.
up to 900 000 000 UZS
40%
all clients
24%/yearTerm 37-48 mo. Down payment 40% or more.
other
49–60 mo.
up to 900 000 000 UZS
30%
all clients
26%/yearTerm 49-60 mo. Down payment 30%.
other
49–60 mo.
up to 900 000 000 UZS
30%
special category
27%/yearTerm 49-60 mo. For individuals without official income (sole proprietors, self-employed), down payment from 30%; regular receipts to accounts over the last 6 months.
other
49–60 mo.
up to 900 000 000 UZS
40%
all clients
25%/yearTerm 49-60 mo. Down payment 40% or more.
other
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 marketavailable to non-residents
Purpose
purchase of a car on the secondary market (car age no more than 5 years at the time of application)
Rate (main case)
26%/year26% per annum for 36 months with a 30% down paymentTerm 25-36 mo.; the rate is the same for clients with official income and self-employed. Table 1.10 of the page. Annuity or differentiated payment at choice (both types are stated on the page)
Lowest rate
24%/yearfrom 24% per annumMinimum across all options of the rate table
Highest rate
27%/yearup to 27% per annumMaximum across all options of the rate table
Maximum amount
900 000 000 UZSup to 900 mln UZSClause 1.8 of the page
Loan term
up to 48 mo.
Down payment
30%from 30% of the cost (35-40% for cars aged 4-5 years)Clause 1.9: 30% for cars up to 3 years, 35% for 4 years, 40% for 5 years. If sufficient security is provided in addition to the vehicle being purchased, no down payment is required
Collateral
yes
Accepted as collateral
car, real estate
Guarantor
yes
Repayment scheme
other
Borrower age
21–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
1–12 mo.
up to 900 000 000 UZS
30%
24%/yearTerm 1-12 mo.; the rate is the same for borrowers with official income and the self-employed (without proof of income). Down payment 30% for cars up to 3 years old, 35% for 4 years, 40% for 5 years; for cars 4-5 years old the term is no more than 36 mo.
other
13–24 mo.
up to 900 000 000 UZS
30%
25%/yearTerm 13-24 mo.; the rate is the same for borrowers with official income and the self-employed (without proof of income). Down payment 30% for cars up to 3 years old, 35% for 4 years, 40% for 5 years; for cars 4-5 years old the term is no more than 36 mo.
other
25–36 mo.
up to 900 000 000 UZS
30%
26%/yearTerm 25-36 mo.; the rate is the same for borrowers with official income and the self-employed (without proof of income). Down payment 30% for cars up to 3 years old, 35% for 4 years, 40% for 5 years; for cars 4-5 years old the term is no more than 36 mo.
other
37–48 mo.
up to 900 000 000 UZS
30%
27%/yearTerm 37-48 mo.; the rate is the same for borrowers with official income and the self-employed (without proof of income). Down payment 30% for cars up to 3 years old, 35% for 4 years, 40% for 5 years; for cars 4-5 years old the term is no more than 36 mo.
other
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 loanavailable to non-residents
Purpose
purchase of housing on the primary and secondary market; participation in shared construction of new residential projects
Rate (main case)
25%/year25% per annum for 120 months with a 25% down paymentRate for a term of 85-120 mo. (base mortgage term 120 mo.), down payment 25%. Table 1.7 of the page. Annuity or differentiated payment at choice (both types are stated on the page)
Lowest rate
23.5%/yearfrom 23.5% per annumMinimum across all options of the rate table
Highest rate
25%/yearup to 25% per annumMaximum across all options of the rate table
Maximum amount
2 000 000 000 UZSup to 2 bn UZSClause 1.9 of the page
Loan term
up to 120 mo.
Down payment
25%from 25% of the costClause 1.7: down payment of 25% or more
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Repayment scheme
other
Borrower age
21–60 years
Decision time
up to 10 business days (with a complete set of documents)
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
25–60 mo.
up to 2 000 000 000 UZS
25%
all clients
23.5%/yearTerm 25-60 mo., down payment 25% or more.
other
25–60 mo.
up to 2 000 000 000 UZS
25%
special category
23.5%/yearTerm 25-60 mo., down payment 25% or more. For individuals without official income (sole proprietors, self-employed): regular receipts to bank accounts over the last 6 months; the rates in the table are the same.
other
61–84 mo.
up to 2 000 000 000 UZS
25%
all clients
24%/yearTerm 61-84 mo., down payment 25% or more.
other
61–84 mo.
up to 2 000 000 000 UZS
25%
special category
24%/yearTerm 61-84 mo., down payment 25% or more. For individuals without official income (sole proprietors, self-employed): regular receipts to bank accounts over the last 6 months; the rates in the table are the same.
other
85–120 mo.
up to 2 000 000 000 UZS
25%
all clients
25%/yearTerm 85-120 mo., down payment 25% or more.
other
85–120 mo.
up to 2 000 000 000 UZS
25%
special category
25%/yearTerm 85-120 mo., down payment 25% or more. For individuals without official income (sole proprietors, self-employed): regular receipts to bank accounts over the last 6 months; the rates in the table are the same.
other
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
Microloanavailable to non-residents
Purpose
for any purpose (no special requirements for intended use)
Rate (main case)
25%/year25% per annum for 12 monthsTerm 1-12 mo., borrower with official income, clause 1.7 of the page. Annuity or differentiated payment at the choice (both types are stated on the page)
Lowest rate
25%/yearfrom 25% per annumMinimum across all options of the rate table
Highest rate
26.5%/yearup to 26.5% per annumMaximum across all options of the rate table
Minimum amount
20 000 000 UZSfrom 20 mln UZSClause 1.9 of the page
Maximum amount
100 000 000 UZSup to 100 mln UZSClause 1.10 of the page
Loan term
up to 36 mo.
Down payment
no down paymentdown payment is not requiredClause 1.12: no financial contribution from the borrower is required
Accepted as collateral
real estate, car, other
Repayment scheme
other
Borrower age
21–60 years
Decision time
up to 3 business days (with a complete set of documents)
Rates by term, amount and client category
Term
Amount
Clients
Rate
Repayment
1–12 mo.
20 000 000 – 100 000 000 UZS
all clients
25%/yearTerm 1-12 mo. Borrowers with official income.
other
1–12 mo.
20 000 000 – 100 000 000 UZS
special category
26%/yearTerm 1-12 mo. Persons without official income (sole proprietors without a legal entity, self-employed); regular deposits to accounts over the last 6 months.
other
13–24 mo.
20 000 000 – 100 000 000 UZS
all clients
26%/yearTerm 13-24 mo. Borrowers with official income.
other
13–24 mo.
20 000 000 – 100 000 000 UZS
special category
26%/yearTerm 13-24 mo. Persons without official income (sole proprietors without a legal entity, self-employed); regular deposits to accounts over the last 6 months.
other
25–36 mo.
20 000 000 – 100 000 000 UZS
all clients
26.5%/yearTerm 25-36 mo. Borrowers with official income.
other
25–36 mo.
20 000 000 – 100 000 000 UZS
special category
26.5%/yearTerm 25-36 mo. Persons without official income (sole proprietors without a legal entity, self-employed); regular deposits to accounts over the last 6 months.
other
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 comfortavailable to non-residents
Purpose
purchase of solar photovoltaic power plants, solar water heaters, wind generators, other renewable energy installations, energy storage systems, energy-efficient household appliances and boilers
Available to
persons with official income (permanent job, salary through the project)
Rate (main case)
24%/year24% per annum for a term of up to 36 monthsTerm 12-36 mo., clause 1.7 of the page; a grace period of up to 6 mo. is possible. Annuity or differentiated payment at the choice (both types are stated on the page)
Lowest rate
24%/yearfrom 24% per annumMinimum across all options of the rate table
Highest rate
25%/yearup to 25% per annumMaximum across all options of the rate table
Minimum amount
10 000 000 UZSfrom 10 mln UZSClause 1.9 of the page
Maximum amount
up to 300 BCV (base calculation values)Clause 1.10 of the page; the amount in UZS depends on the current BCV amount, not specified on the page
Loan term
12–60 mo.
Down payment
no down paymentdown payment is not requiredClause 1.12: no financial contribution from the borrower is required
Grace period
6 mo.
Accepted as collateral
other
Proof of income
yes
Repayment scheme
other
Borrower age
21–60 years
Decision time
up to 3 business days (with a complete set of documents)
Rates by term, amount and client category
Term
Amount
Rate
Repayment
12–36 mo.
from 10 000 000 UZS
24%/yearTerm 12-36 mo., grace period of up to 6 months possible
other
37–60 mo.
from 10 000 000 UZS
25%/yearTerm 37-60 mo., a grace period of up to 12 months is possible
other
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 ↗
Cozy Homeavailable to non-residents
Purpose
renovation of residential and non-residential premises, purchase of building materials
Available to
persons with official income (permanent job, salary through the project)
Rate (main case)
28%/year28% per annum for 36 monthsTerm 25-36 mo., clause 2.7 of the page. Annuity or differentiated payment to choose from (both types are stated on the page)
Lowest rate
25%/yearfrom 25% per annumMinimum across all options of the rate table
Highest rate
28%/yearup to 28% per annumMaximum across all options of the rate table
Minimum amount
30 000 000 UZSfrom 30 mln UZSClause 2.9 of the page
Maximum amount
300 000 000 UZSup to 300 mln UZSClause 2.10 of the page
Loan term
up to 36 mo.
Accepted as collateral
other
Proof of income
yes
Repayment scheme
other
Borrower age
21–60 years
Decision time
no later than 5 business days from the receipt of the application
Rates by term, amount and client category
Term
Amount
Rate
Repayment
1–12 mo.
30 000 000 – 300 000 000 UZS
25%/yearTerm 1-12 mo.
other
13–24 mo.
30 000 000 – 300 000 000 UZS
26.5%/yearTerm 13-24 mo.
other
25–36 mo.
30 000 000 – 300 000 000 UZS
28%/yearTerm 25-36 mo.
other
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 ↗
