Microloan Joziba

Basic terms of the loan:

 

Name of the loan

Loan amount

Maturity

Annual interest rate

Provision of the loan

Method of repayment

Joziba

Minimum amount – 3 million soums
Maximum amount – up to 50 million soums

up to 36 months (without grace period) 

24%

By transferring funds to a bank card issued  to the borrower by JSC "Aloqabank".

Differential 

 

Borrower: Individuals who have reached the age of 18 and have a permanent source of income no older than 60 years are participants in the salary project of JSC Alokabank, that is, they receive monthly wages on bank cards issued in JSC Alokabank, work in organizations in the field of communications, preschool education, public education, higher and secondary special education, customs and the healthcare system for citizens of the Republic of Uzbekistan or stateless persons permanently residing 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.

Neccessary documents 

  • The original of the identity document of the client (civil passport or identification ID card of the person). In this case, a copy of the original of the identity document is made by the bank employee.

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 waranty is provided as collateral for the loan, the following documents are provided by the warantor:

if a 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;
26-10-2022

When using the site materials reference to the site is required www.aloqabank.uz