«FAST AND CONVENIENT ONLINE» microloan

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Indicator	Value / Description
Loan purpose	A microloan provided to individuals for personal needs.
Customer segment	Individuals — citizens of the Republic of Uzbekistan aged 18 and above.
Lending method	Through the Garant bank mobile application.
Loan amount	UZS 300,000 (three hundred thousand)
Loan term	12 (twelve) months
Grace period	1 (one) month, during which the interest rate will be applied at a rate of 1%.
Loan purpose	For making payments via QR code for personal needs
Loan currency	National currency (UZS)
Disbursement method	Funds are credited to the client’s plastic card or virtual plastic card available within the Garant bank system
Interest rate	38% per annum
Interest rate on overdue debt	57%
Interest accrual	Interest is accrued daily at a fixed rate and calculated according to the established schedule using annuity or differential methods