Updated: 05-06-2026

Imkoniyat loan

Loan to individuals for their needs in the amount of up to 100,000,000 UZS

up to 100 million UZS
loan amount
32%
Annual interest rate
up to 30 months
loan term

Imkoniyat loan

Microloan for individuals and self-employed persons up to 100 000 000 UZS

Same-day processing
Clear and transparent terms
No hidden fees or extra charges
Flexible and convenient repayment

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Term

12 30

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Full name Phone number E-mail TIN (Taxpayer Identification Number) Date of birth Residential area

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Terms

Terms	Description
Definition of loan	Definition of loan Loan to individuals for their needs in the amount of up to 100 000 000.0 UZS
Borrowers	Citizens of the Republic of Uzbekistan over 18 years of age
Purpose of the loan	For the borrower’s own needs
Loan term	Up to 30 months, without grace period
Loan amount	Up to 100,000,000 (One hundred million) UZS
Loan percentage	32% per year
Amount of loan collateral	It is required that the ratio of the amount of the loan offer to the amount of the allocated loan is at least 125 percent.
Securing a loan	Pledge of cash, vehicles and real estate. In this case, the requirements for security: - the pledged property must be free from pledges and restrictions (the following pledge is not allowed); - when pledging a vehicle, its age must not exceed 5 years; - when real estate is transferred as collateral, the right to permanent use of a land plot or ownership of a land plot must be inherited along with the right of ownership to real estate (if there is a lease right to a land plot, this property is not accepted as security); - upon acceptance deposits and deposits as collateral do not accrue interest; - it is not allowed to provide real estate as a partial collateral; - unfinished and light buildings are not accepted as collateral
Circumstances under which the provision of a loan is not allowed	- In the presence of overdue debt on the loan; - When the amount of microloans of the borrower in all banks exceeds 100.0 million UZS.
Issuance of a loan	Cash at bank cash desks or by transfer to a plastic card opened at Garant Bank JSC * When issuing a loan in cash, a commission for withdrawal at the bank's cash desk is charged in the amount of 1%.
Required documents for issuing a loan	- identification document of the Borrower; - Documents related to the provision of a loan (independent assessment of collateral or the “E-Baholash” report) *In this case, the client you must personally visit a bank branch.
Method of loan repayment	Annuity/Differential method
Source of lending	Due to deposits and contributions
Procedure for issuing a loan	The credit manager prepares a conclusion on the allocation of a loan after studying the documents submitted by the borrower. A loan agreement is drawn up in the event that the industry credit committee considers it appropriate to issue a loan. When the collateral is notarized as collateral, all information is entered into the iABS program and through the program the loan proceeds are transferred to the appropriate number.
Method of obtaining a loan	Bank office