"Restructuring" product
Continue your loan on terms that are convenient and convenient for you.
Currenct credit amount
Interest rate
Payment term
Payment date
How to use the product?
Get initial advice by phone or at a bank office
Submit the necessary documents to the bank and wait for a positive decision
Sign a contract with the bank
Passport or ID card
Income certificate
-
Application
For women on leave - a supporting document
Credit collateral documents
The product is available to citizens of the Republic of Uzbekistan from 18 to 65 years old.
SMS
By sending to 2500
By bank
At any offices
By card
By SQB Mobile app
Purpose:
To reduce the monthly loan burden on previously issued loans at SQB and to adjust repayments to the client’s current financial capacity 
What can be changed:
the loan repayment schedule;
the monthly payment date;
intermediate or final repayment terms;
the co-borrower (if official income is available).
The loan amount cannot be changed.
Currency:
national currency (sum)
Return period:
The monthly payment date may be changed under the following conditions:
once within a single loan;
within one calendar month;
no later than the 20th of the month.
Payment method:
Within the restructuring framework, it is allowed to change the loan repayment method:
annuity;
differential.
Extension of the period:
Extension of the final repayment term is allowed under the following conditions:
only for women on childcare leave;
up to 2 years;
upon submission of supporting documents;
no more than once per loan.
Collateral:
The collateral remains in force and complies with the terms of the original agreement;
When the loan term is extended, collateral, surety, and insurance agreements are automatically extended;
The pledged property must remain intact and must not be under seizure or any restrictions.
Types and conditions of collateral:
- All property initially pledged
- The property must be intact and free from liens/encumbrances
Additional conditions:
credit cards;
overdrafts;
preferential loans;
loans issued from attracted resources.
Exception: for the above loans, it is allowed to change the payment date and payment method (annuity / differential).
General requirements
Citizenship: Republic of Uzbekistan
Age:
must be over 18 years old at the time of loan issuance;
must not be older than 70 at the time of full loan repayment.
Income requirements:
must have a permanent job or a stable source of income;
must confirm official income for the last 6 months;
for self-employed individuals, income confirmation is not required;
for individual entrepreneurs (IE), 10% of all funds received to the main account in SQB is taken into account.
Credit history requirements:
no loans classified as “unsatisfactory,” “doubtful,” or “bad”;
no overdue debt of more than 60 days in SQB;
the loan must not have been rescheduled more than once;
no outstanding debt under previously modified terms.
Additional conditions:
no open enforcement proceedings with the Bureau of Compulsory Enforcement.
List of documents
Passport or ID card (biometric document)
Income statement:
official income may be confirmed through the bank’s electronic system;
for self-employed individuals, income confirmation is not required;
for individual entrepreneurs (IE), 10% of funds received to the main account in SQB is taken into account.
Application for loan restructuring
If collateral is provided — documents related to the pledged property
For women on childcare leave — document confirming maternity/childcare leave status
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Application sent Last updated date: 10.06.2026 18:43
