Microloan up to 100,000,000 UZS

Reduced microloan rate
up to 100 million UZS

No collateral and no proof of income required. Treat yourself and your loved ones. The promo is valid until December 31.

Check your limit in the mobile app

Money for gifts

Buy everything your loved ones dream of without blowing your budget

Apply in the App

Money for travel

Buy everything your loved ones dream of without blowing your budget

Apply in the App

Money for Appliances

Cover the banquet, dress and photographer

Apply in the App

Our microloan is made for moments when you simply can’t wait

from 24% to 48%

Annual interest rate

from 36 to 60 months

Loan term

How to apply for a microloan in Ipoteka Retail

Open the app

Ipoteka Retail on your smartphone

2. Sign up

prepare your ID card or passport

3. Check your limit

in the section “Loan up to 100 million UZS in 2 minutes” on the main screen of the app

4. Receive a decision

it will take no more than two minutes

Microloan Terms

Application

Free

Amount

from 1 000 000 to 100 000 000 UZS

Term

36 to 60 months

Interest rate

from 24% to 48% annually

Disbursement

Online, to your current account in the Ipoteka Retail app

Loan servicing fee

Free

Repayment methods

In the Ipoteka Retail mobile app
At Ipoteka bank ATMs
At Ipoteka bank branches

Documents

Sample offer agreement for an online microloan

Universal service agreement for individuals

Public offer to join the universal service agreement for individuals

Procedure for Releasing Collateral Assets or Substituting Collateral Items (Excerpt from the CMR)

Application-2
To the regulation on the minimum requirements for the activities of commercial banks in the implementation of relations with consumers of banking services
Information sheet
about main terms of the loan

1-section. Loan information
The name of commercial bank, Official website, phone numbers	JSCMB "Ipoteka-bank", www.ipotekabank.uz Phone:(78) 150-11-22, Contact center:1233
1. Type of the loan
2. Purpose of the loan	For personal needs
3. Amount of the loan (in national currency)
4. Term of the loan (in month)	month
5. The interest rate during the term of the loan (nominal amount) and the amount payable on this interest amount	%
	27,862,607 uzs
7. Grace period for the loan (if exist)	not exist
8. Periodic payments (monthly, quarterly and etc.)	Monthly
9. Loan repayment method (annuity method (equal amounts), differential method)	Annuity method
10. The amount of a one-time payment during the payment period	10,655,217 uzs
11. The form of provision of the loan (transfer of money to the account of the supplier of goods/services, in cash, transfer to a bank card, etc.)	By transferring funds to the client’s account
12. Additional expenses related to the loan (if any):	not exist
Bank commissions and fees by type (indicate separately)	not exist
Third party services (indicate separately)	not exist
13. Total cost of the loan (includes nominal interest rate and loan servicing costs)	127,862,607 uzs

2-section. Important conditions related to other financial obligations

1. In connection with the late repayment of the loan debt, a penalty (fine, penalty) provided in the contract is imposed (if there is such a condition)	In the event of a delay in the repayment of the principal amount of the microloan, the borrower shall pay a penalty amounting to 180% of the overdue principal amount for the entire period of delay.
2. The amount of the increased interest rate paid on the loan amount due to late repayment of the loan debt (if such condition exists)	If the borrower fails to pay the interest within the specified period, the borrower shall pay the bank a late payment fee of 2% of the overdue payment amount for each day of delay, but not exceeding 50% of the overdue payment amount.
3. Collateral of the loan (minimum requirements for the subject of collateral, minimum cost of collateral)

Read carefully before agreeing to take out a loan!

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

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

ACCURACY OF THE INFORMATION SHEET AND THE AUTHENTICITY IS CONFIRMED. _______________________________________ (position and full name of the bank's specialist)	_______________________________ (date of completion)

Apply in the Mobile App

Microloan Terms

Documents

Leave your contact details to submit an application