Microloan

How to get money

Application submission

Fill out the application in the app

Wait for a response

Response within 5 minutes

Instant transfer

To your bank card

Repayment

In a couple of clicks without commissions

Microloan amount

up to 100,000,000 sum

Interest rate

For secured microloans (up to 100 million sum):

• Up to 1 year — 27.99%
• Up to 2 years — 29%
• Up to 3 years — 30%

For unsecured microloans (up to 100 million sum):

• Up to 1 year — 29%
• Up to 2 years — 30%
• Up to 3 years — 32%

Microloan term

From 1 year to 5 years

Documents

Identity document (passport, ID card, or other equivalent document).

Collateral

Salary of an individual

Requirements for borrower and guarantor

- Citizens of the Republic of Uzbekistan and stateless persons permanently residing in the Republic with a stable income

- No overdue debt on previously issued loans

- Official employment and stable income for the last 6 months

Credit services

- Opening a credit account, maintaining a credit account, formalizing collateral, writing off or partially withdrawing collateral, monitoring, selling the credit balance to another bank, obtaining information from the credit bureau, registering collateral in the registry, commission for monthly loan payment, payment for the unused part of the amount under an open credit line - FREE.

- Making changes to the loan agreement at the client's request - 5% of the loan balance (not more than 500,000 sum).

Offer Agreement "Online Microloan"

PDF 291.58 Кб

Offer Agreement for Online Microloan Insurance

PDF 291.58 Кб

Public Offer for Accession to the Universal Agreement for Servicing Individuals

PDF 291.58 Кб

Universal Agreement for Servicing Individuals

PDF 291.58 Кб

General Terms for the "Microloan" Product

PDF 291.58 Кб

Appendix-2

To the regulation on minimum requirements for the activities of commercial banks in their relations with consumers of banking services

Information sheet on the main loan conditions

Section 1. Loan Information

1. Loan Type

Consumer Loan

2. Loan Purpose

For personal needs

3. Loan Amount (in national currency)

Loan Amount

4. Loan Term (in months)

Term of use

5. Interest rate and amount payable (nominal amount)

Interest rate

68,999,085 sum

7. Grace period for the loan (if any)

Not available

8. Payment frequency (monthly, etc.)

Monthly

9. Loan repayment method

Annuity method

10. Monthly payment amount

4,694,419 sum

11. Form of loan provision

By transferring money to the account of the goods/services supplier

12. Additional expenses (if any)

Not available

Bank commissions and fees

Not available

Third-party services

Not available

13. Total cost of the loan

168,999,085 sum

Section 2. Loan Security and Insurance

1. Type of loan security (pledge, surety, insurance, etc.)

Surety

2. Information about collateral

—

3. Information about the guarantor

Will be provided additionally

4. Insurance requirements (if any)

Not required

Before agreeing to take out a loan, study carefully!

You have the right to receive full and detailed information from the bank about the loan terms and amount, payment and settlement procedures (interest, fines, and penalties), your rights and obligations under the loan agreement, the loan agreement itself, possible risks and responsibilities, as well as other issues that are unclear to you.

If you have complaints, you can send your appeal to (specify phone number) phone number or (specify bank's postal address) address or (specify bank's email address) email address.

Still have questions?

What are the microloan terms?

The microloan amount can be up to 100 million sum with a term of up to 60 months and an interest rate from 24%, depending on the borrower's conditions. Even pensioners can take out a microloan: the borrower's age must be between 20 and 70 years. You can spend the money on any personal goals. The main obligation is to pay without delays to avoid fines and not damage your credit history.

Where can I apply for a microloan?

In the Ipoteka Bank mobile app or at a bank branch. You can download the mobile app and submit an application.

Why might the bank refuse to issue a microloan?

The bank makes a decision on approving a microloan application using a special mathematical model that takes into account large volumes of data. That is why it is difficult to name a specific reason for refusal. But if such an opportunity exists, the bank will indicate the reason in the notification. Here are the most common reasons why microloans are not issued to individuals:

• poor credit history, debts, or errors in loan payment history;
• low monthly income
• insufficient work experience

When will I know the decision on my application?

As soon as you fill out the application with your information, we will start reviewing your profile. Usually, a decision is made within 2 minutes, but sometimes the bank may study the application longer. When a decision is made, you will receive an SMS and a notification in the mobile app.

How to increase the likelihood of microloan approval?

Check your credit history. It can be found at a credit bureau. The history is compiled from pieces from several banks, so an error might creep in somewhere. Errors in payment history should be reported to the credit bureau.

How to make microloan repayments?

The easiest way is to do this in the Ipoteka Bank app or by personally visiting a bank branch. In the app, select "Loans"; the screen will show the total debt and the date of the next payment.

Microloan for any purpose up to 100,000,000 sum in 2 minutes

How to get money

Microloan Application

Appendix-2

Section 1. Loan Information

Section 2. Loan Security and Insurance

Before agreeing to take out a loan, study carefully!

Still have questions?