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«Online» microloan
*Temporarily unavailable
Updated: 20-01-2023
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100 000 000 UZSloan amount -
from 28 %interest rate -
up to 48 monthsloan term
| Indicator | Value/Description |
| Definition | Online microloan for individuals with official income (including all employees of budgetary organizations, individuals with a stable income) for the last six months |
| Customer segmentation | Individuals who reached the age of 18 and have had a permanent and official job for the last six months |
| Requirements for a Positive Credit History | 1. No overdue debt; 2. No outstanding balances on the loan that is the subject of a lawsuit, as well as the amount of principal and interest transferred to an off-balance sheet account; 3. Scoring in the KIAC - above 200 points; 4. No existing loans classified as "unsatisfactory", "doubtful" and "hopeless"; For loans received over the past 12 months: 5. No more than five debts overdue for more than 60 days; 6. No more than two debts overdue for more than 90 days. |
| Lending method | Through the scoring system of the JSC "Garant Bank" App |
| Loan Amount | 100,0 (one hundred million) sums |
| Loan Term | Up to 48 (forty-eight) months |
| Grace Period | No grace period |
| Loan Purpose | The principle of Commercial Expediency is not applied |
| Loan Currency | National currency (UZS) |
| Loan Disbursement Format | By transferring funds to the client’s Garant Bank plastic card |
| Minimum Interest Rate on the Loan | up to 6 months | 28% |
| up to 12 months | 30% | |
| up to 18 months | 32% | |
| up to 24 months | 34% | |
| up to 30 months | 36% | |
| up to 36 months | 38% | |
| up to 42 months | 40% | |
| up to 48 months | 42% |
| Interest accrual | Interest is accrued daily at a fixed rate and is repaid in the form of an annuity according to a schedule. |
| Repayment Period of principal and interest | Principal and interest payments are monthly |
| Basic requirements for lending | . A plastic card opened in the JSC Garant Bank system; 2. No negative credit history (score below 200, at least two payments for 90 days or five payments for 60 days over the past 12 months); 3. A stable income continuously for the last six months (confirmed by the Tax Service and INPS database); 4. If the borrower's debt burden exceeds 50%, the client is provided with an alternative option for obtaining a loan in an amount corresponding to his/her income; 5. The applicant must be 18 years old or over not more than 65; 6. No debt that is in the process of enforcement proceedings; 7. The amount of the borrower's microloans in all banks should not exceed 100.0 million soums. |
| Loan approval | The applicant’s creditworthiness is assessed through the Bank's credit scoring system. After a positive decision is made, the scoring system automatically generates documents and documents to secure the loan, and the loan is issued. |
| Loan collateral | A credit default insurance policy paid for by the client's own funds or by a loan. |
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