Parameters
• Short-term: from 1 mln UZS, up to 50 BRV, term 6–12 months
• Long-term: from 5.1 mln UZS, up to 50 BRV, term 13–36 months
• Rate: 60% per year (cash) / 58% (to account)
• Collateral: 1 guarantor. Another type of security is also welcome
• For amounts up to 10 mln UZS (long-term) the term is max 24 months
General terms
• Currency: Uzbek soum
• One-time disbursement fee: none
• Grace period: up to 3 months (optional; only interest is paid during it)
• Repayment: monthly — annuity or differentiated payments (another schedule is possible depending on the client's income)
• Early repayment: allowed, interest charged for the actual period of use
• Penalty: 1% of the overdue payment per day, starting from the 6th day of delay
• Collateral appraisal: free
• Collateral insurance: mandatory, at the insurer's rates (paid by the client)
Client requirements
• Age: from 21 to 70 (for new clients)
• Permanent employment and/or income (at least 1 year of total experience, at least 3 months at the current job)
• No overdue debt on existing loans or microloans
Documents
• Original ID document (permanent or valid temporary registration in Uzbekistan)
Processing
• Application review — up to 3 business days
• Disbursement — no later than 30 business days after signing: cash at the cash desk or transfer to an account/card
• Proof of intended use is not required
