All Credits
Get a preliminary consultation by phone or at the bank's office
Submit the necessary documents to the bank and wait for a favourable decision
Sign a credit agreement with the bank
Passport or ID-card
Self-employment registration
Certificate of social tax payment
The credit is issued to citizens of the Republic of Uzbekistan aged from 18 to 65 years old.
Purpose of the loan:
covering the initial costs of starting a business
Loan amount:
up to 15 million soumsMicro loan term:
up to 36 months
Free period:
up to 6 months
Rate of repayment:
every month
Method of repayment:
annuity - equal amounts at equal intervals
differentiated - the monthly payment decreases each time
Interest rate:
22 %
Collateralisation of the loan when arranged with the bank:
loan default risk insurance policy (to be issued for the entire period of the loan)
- age from 18 to 65 years (inclusive) at the time of application
- official or unofficial employment, as well as a documented source of income sufficient to repay the loan in accordance with the payment schedule
- presence of registration as a social insurance taxpayer and self-employed status
Official and unofficial sources:
- wages (for the last 6 months)
- retirement pension
- income from the main account of personal farming, peasant farming or self-employment, representing at least 10% of the total cash receipts for the last 6 months. These incomes can be received as a result of independent labour activity
When receiving a microloan:
Identity document (passport or other identification document)
certificate of registration with the tax service as a self-employed person
certificate of income (official income can also be provided through the bank's electronic system)
document or certificate confirming payment of social tax
authorisation from the assistant mayor of the city to issue a microloan.
other documents specified in the legislation may also be required.