Consumer loan

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Consumer loan is a type of loan provided to an individual for the purchase of goods and services produced in the Republic of Uzbekistan to fulfill consumer needs.

Basic terms of the loan; 

Borrower: Citizens of the Republic of Uzbekistan who have reached the age of 18 and have a permanent source of income, people not older than 60 years old or individuals without citizenship but with permanent redidency in Uzbekistan

As a loan provision, the following are accepted:

• Guarantee of a third party with a micro-loan amount of up to 40 (forty) million soums;
• The pledge of liquid property in case of exceeding the amount of the micro-loan of more than 40 (forty) million soums.

 A copy of your passport (the original is provided for viewing);

The following documents are provided:

•  A purchase and sale contract agreement conducted between the borrower and a company, product manufacturer, or service provider

Information about the income of the borrower (co-borrowers, a guarantor person who is an individual) is studied by the bank online from external sources.

In cases where there is no possibility to information on the balance of income from external sources, a certificate of income payments is provided by the borrower or (co-borrowers, a guarantor who is an individual).

If a third-party warranty is provided as a security for the loan, the following documents are required from the warantor:

If the warantor is an individual:

• A copy of passport (the original is provided to check)

If the warantor is a legal entity:

• Balance sheet with attachments;
• Audit report;
• Decisions of the founders on consent to warranty;