Consumer Loan Items subject to loan

Type of loan security

The purchased accommodation is accepted as a loan security.

Required documents

• 
  Copy of the borrower's and co-borrower's passports;
  
• 
  Income Certificate of the borrower and co-borrower;
  
• 
  Contract signed with a construction contractor for the purchase of housing on the primary market;
  
• 
  A copy of the document confirming the ownership of private housing or an apartment in a multi-storey building on the secondary market;
  
• 
  Certificate of Down Payment transferred to the deposit account, which is issued for the borrower;
  
• 
  Design & Estimate Documentation and Expert Opinion prepared by a design organization that has a special license for the construction and reconstruction of private property;
  

Overdraft

Overdraft is provided to employees of enterprises and organizations serviced by the National Bank of Uzbekistan to salary plastic cards for personal needs.

Terms of loan

• 
  Loan Term - 12 months, Annual Interest Rate - 22%;
  
• 
  Loan Term - 24 months, Annual Interest Rate - 24%;
  
• 
  Grace Period - 2 months;
  
• 
  The loan amount is three times the average salary, the maximum amount is 50 million UZS.
  

Required documents

• 
  borrower's passport;
  
• 
  duly executed certificate of income issued by the Employer;
  
• 
  other documents providing loan repayment.
  

Microloan

Terms of loan

For employees of legal entities who are the participants of the Bank's salary project:

• 
  Loan Term - 24 months, Annual Interest Rate - 26%;
  

For other clients:

• 
  Loan Term - 12 months, Annual Interest Rate - 30%;
  
• 
  Loan Amount: up to 50 mln sum (loans in the amount of 100 times the size of the base calculated value are provided against the security of third parties or an insurance policy for non-repayment of the loan, a loan of larger amount is provided against collateral);
  
• 
  Additional terms and conditions: the loan is provided to citizens of the Republic of Uzbekistan aged 18 to 60 years old who have the income;
  
• 
  A microloan is provided in cash or in non-cash form, by transferring to the borrower's bank card.
  

Type of loan security

• 
  third-party guarantee (the guarantor's passport and certificate of income);
  
• 
  certificate of insurance of loan default.
  

Required documents

• 
  borrower's passport;
  
• 
  duly executed certificate of income issued by the Employer;
  
• 
  other documents providing loan repayment.