Consumer Loan Items subject to loan

Consumer Loan

Items subject to loan

Loans are provided for consumer needs in the following types of goods and services within the Republic of Uzbekistan:

• 
  purchase of household utensils;
  
• 
  purchase of household wares;
  
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  purchase of office equipment and household appliances;
  
• 
  payment for medical services;
  
• 
  purchase of package tour and health resort vouchers;
  
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  purchase of construction materials;
  
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  purchase of finished construction products;
  
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  repair of high-rise apartments and flats;
  
• 
  services of gas, electricity and water supply to house;
  
• 
  wedding ceremonies and other events;
  
• 
  payment for installation of methane, propane or natural gas equipment to vehicle;
  
• 
  purchase of jewelry;
  
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  purchase of sports equipment, fitness equipment;
  
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  training in special training courses;
  
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  purchase of wheelchairs and other accessories for health rehabilitation;
  
• 
  for other purposes in a manner provided by the law.
  

Terms of loan

For members of payroll card program:

• 
  24% per annum for credits with tenor of 36 months;
  
• 
  Grace period - 3 months;
  
• 
  23% per annum for credits with tenor of 24 months;
  
• 
  Grace period - 2 months;
  
• 
  22% per annum for credits with tenor of 12 months.
  

For other individuals:

• 
  27% per annum for credits with tenor of 36 months;
  
• 
  Grace period - 3 months;
  
• 
  26% per annum for credits with tenor of 24 months;
  
• 
  Grace period - 2 months;
  
• 
  25% per annum for credits with tenor of 12 months.
  
• 
  Amount of loan - up to 200 Basic Estimated Amounts (loans up to 100 Basic Estimated Amounts are issued guaranteed by the third party and certificate of insurance, loans over 100 Basic Estimated Amounts are issued charged upon property).
  
• 
  Additional conditions - the loan is provided to citizens of the Republic of Uzbekistan aged 18 to 65 years who have income.