Loan calculator: payment and overpayment
Rates as of 23.10.2026More details
Enter the amount and term and choose a bank loan — the rate is filled in automatically (532 loans in the list). The calculator shows the payment, the overpayment and a monthly payment schedule.
The calculation is for reference. A bank may calculate differently: by days, with fees, taxes and insurance. Check the exact terms with the bank; rates on the site are not an offer.
- Monthly payment
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- Last payment
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- Overpayment
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- Total to pay
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Monthly schedule
| Month | Payment | Principal | Interest | Remaining debt |
|---|
A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Examples: payment on low-rate loans
Annuity payment on a loan of 50 000 000 UZS for 36 months on the lowest-rate loan of each kind. The calculation is for reference; see the loan page for the terms.
| Bank loan | Rate | Monthly payment | Overpayment |
|---|---|---|---|
| Consumer loans Ipak Yuli Bank, Consumer loan |
21.90% | 1 906 937 UZS | 18 649 731 UZS |
| Auto loans Asia Alliance Bank, Onix va Tracker |
0% | 1 388 889 UZS | 0 UZS |
| Mortgages Asia Alliance Bank, Nirvana |
0% | 1 388 889 UZS | 0 UZS |
| Microloans Asakabank, Online microloan |
20% | 1 858 179 UZS | 16 894 450 UZS |
| Education loans Microcreditbank, For women's education |
0% | 1 388 889 UZS | 0 UZS |
| Loan refinancing Kapitalbank, Mortgage loan refinancing |
21% | 1 883 753 UZS | 17 815 121 UZS |
| Secured loans Ipak Yuli Bank, Collateralized microloan for civil servants |
20.90% | 1 881 187 UZS | 17 722 737 UZS |
| Installment plans Kapitalbank, Kapitalbankdan Qulay Nasiya I |
0% | 1 388 889 UZS | 0 UZS |
| Other loans Hamkorbank, Green consumer |
19% | 1 832 801 UZS | 15 980 836 UZS |
Bank loans in Uzbekistan: bank rates →
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Frequently asked questions
How does an annuity payment differ from a differentiated one?
With an annuity the payment is the same every month: at first it contains more interest, later more principal. With a differentiated scheme the principal is repaid in equal parts and interest is charged on the remaining balance, so the payment falls every month. The overpayment is smaller, but the first payments are higher.
How is a loan payment calculated?
Annuity payment = amount × i / (1 − (1 + i) to the power −n), where i is the monthly rate (annual / 12 / 100) and n is the number of months. Differentiated payment = amount / n + remaining balance × i. The overpayment is all payments minus the loan amount.
Which bank has the lowest loan rate?
Among sum loans for residents as of 23.10.2026, the lowest main rate is 0% per year (Asia Alliance Bank, “ASAKA MOTORS INTERNATIONAL”). It depends on the loan kind, term, down payment and client category; the loan may be unavailable — check with the bank.