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Microloan "Express"
*The service is currently suspended.
Updated: 13-11-2024
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up to 5 million UZSloan amount -
32%Annual interest rate -
up to 12 monthsloan term
Microloan "Express"
Loan to individuals for their needs in the amount of up to 5,000,000 UZS
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Processing during the day -
Honest terms
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No hidden fees or charges
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Convenient microloan repayment
Calculate your loan
Our offer
Monthly payment
Interest rate
Terms
| Definition of microcredit | Loan to individuals for their needs in the amount of up to 5,000,000.0 UZS |
| Subjects of lending | Citizens of the Republic of Uzbekistan aged 18 to 60 years with a regular income |
| Purpose of the loan | For the borrower’s own needs |
| Loan term | Up to 12 months, without grace period |
| Loan amount | Up to 5,000,000 (five million) UZS |
| Loan interest | 32% per year |
| Provision of credit | Insurance policy against the risk of non-repayment of the loan |
| Amount of credit reserve | It is required that the ratio between the amount of the credit offer and the amount of the allocated loan was at least 125 percent |
| Circumstances under which the provision of a loan is not allowed | - In the absence of a permanent income (for the last 6 months) ; - If there is an overdue loan debt; - If the amount of microloans (guarantees) of the borrower in all banks exceeds 100 million soums - In the case when the average monthly payments on loans and/or microloans exceed 50% of the average monthly income |
| Loan distribution | Cash at bank cash desks or by transfer to a plastic card opened at Garant Bank JSC. * When issuing a loan in cash at the bank's cash desk, a withdrawal fee of 1% is charged. |
| Required documents for granting a loan | - Identification document of the borrower - Certificate of permanent income; *In this case, the client is required to visit the bank branch in person |
| Method of loan repayment | Annuity method; |
| Procedure for issuing a loan | The credit manager prepares a conclusion on the provision of a loan after studying the documents provided by the borrower . A loan agreement and loan guarantee documents are prepared if the credit committee deems it appropriate to allocate a loan. All information is entered into the iABS program, with the transfer of credit funds to the appropriate number through the program |
Loan repayment
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