Microloan "Express"
Loan to individuals for their needs in the amount of up to 5,000,000 UZS
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MoreLoan to individuals for their needs in the amount of up to 5,000,000 UZS
Loan to individuals for their needs in the amount of up to 5,000,000 UZS
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 |
We would be grateful if you would agree to complete a short survey so that we can improve the conditions and make our service even more convenient for you. Your opinion is very important to us.
Sincerely, Garant bank.