.png)
Microloan “Tarakkiet”
*The service is currently suspended.
Loan to individuals for their needs in the amount of up to 40,000,000 UZS
Updated: 13-11-2024
-
up to 40 million UZSloan amount -
32%Annual interest rate -
up to 30 monthsloan term
Microloan “Tarakkiet”
Loan to individuals for their needs in the amount of up to 40,000,000 UZS
-
Processing during the day -
Honest terms
-
No hidden fees or charges
-
Convenient loan repayments
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 40,000,000 UZS |
| Lending entities | Citizens of the Republic of Uzbekistan aged 18 to 60 years with a permanent income |
| Purpose of the loan | For the borrower’s own needs |
| Loan term | Up to 30 months, without grace period |
| Loan amount | From 3,000,000 to 40,000,000 UZS |
| Loan interest | 32% per year |
| Providing a loan | Insurance policy for a personal guarantor and/or a policy against the risk of loan non-repayment for microloans in the amount of up to 20 million UZS; For microloans in the amount of more than 20 million UZS, a guarantee from at least one individual is required (an insurance policy against the risk of loan non-repayment can be issued for that part of the loan amount for which the guarantor’s income is not sufficient). In this case, the amount of the guarantee agreement must be at least 50% of the loan amount). |
| Amount of credit reserve | It is required that the ratio between the amount of the loan 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 permanent income (for the last 6 months);< br />If there is a negative credit history; If there is an overdue loan debt; If there is a debt in the process of sale; In the case when the average monthly payments on loans and/or microloans exceed 50% of average monthly income |
| Loan distribution | Cash at bank cash desks or by transfer to a plastic card opened at Garant Bank JSC. * If 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 | Cash at the bank's cash desk or by transfer to a plastic card opened at Garant Bank JSC. *In this case, the client or guarantor is required to visit the bank branch in person |
| Method loan repayment | Annuity method; |
| Source of lending | Due to deposits raised from individuals |
| Procedure for issuing a loan | The scoring system automatically issues a conclusion to the client on the provision or refusal of a loan. Upon receipt of a positive conclusion, the credit department employee prepares an application, loan agreement and loan documents, which are automatically created in the system. All information is entered into the iABS program, with the transfer of credit funds to the appropriate number through the program |
Loan repayment
beta-версия