4 simple steps to get your money
The entire process takes only a few minutes
Download the app
Submit your application
Choose the amount and repayment term. We’ll automatically verify your self-employed status
Receive approval
Decision in 2 minutes — no calls or additional documents
Receive the funds
The funds will be credited to your card immediately after approval
Invest in your business
Taxi drivers
Car repairs, spare parts, or even a second vehicle to expand the business
Aziz took out UZS 15 million for car repairs and repaid it in 6 months. Monthly payment — UZS 2.8 million.
Pastry chefs and bakers
A new oven, mixer, or refrigerated display case — everything needed to grow your orders
Malika took out UZS 8 million for a professional oven. Her number of orders doubled.
Craftspeople and artisans
Tools, materials, and workshop rent — investments in the quality of your work
Doston took out UZS 12 million for professional tools. His average order value increased by 40%.
Tutors
Equipment for online lessons, learning materials, or office rent
Nilufar took out UZS 5 million for a tablet and camera. She moved online and doubled the number of students.
Seamstresses and designers
A sewing machine, fabrics, and mannequins — scale up your production
Gulnora took out UZS 10 million for an industrial sewing machine and started producing in bulk.
Farmers
Seeds, fertilizers, irrigation, and small-scale equipment — invest in your harvest
Bakhtiyor took out UZS 20 million for drip irrigation. Crop yield increased by 60%.
Transparent terms
Loan amount
from UZS 1,000,000 to UZS 100,000,000
Interest rate
from 24% per annum
Loan term
from 3 to 36 months
Collateral
Not required
Guarantors
Not required
Application decision
Within 2 minutes
Collateral
Not required
Disbursement method
To an Ipoteka Bank card
Eligibility
Citizens of Uzbekistan with self-employed status
Early repayment
No fees or penalties
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
The name of commercial bank, Official website, phone numbers
JSCMB "Ipoteka-bank",
www.ipotekabank.uz
Phone:(78) 150-11-22,
Contact center:1233
www.ipotekabank.uz
Phone:(78) 150-11-22,
Contact center:1233
Section 1. Loan information
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
%
54,990,647 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
87,915,887 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)
1,054,990,647 uzs
Section 2. 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)
not exist
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 +998 78 150 11 22 the digital phone number or 100000, Tashkent, 30 Shakhrisabz Street the address or info@ipotekabank.uz 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
Answers to Frequently Asked Questions
For any purpose: equipment, tools, transport, rent, materials, education — it’s up to you. The loan is intended for business development, but there are no restrictions on usage.
With each successfully repaid loan, your interest rate decreases automatically. This is our loyalty program — the longer you stay with us, the better the conditions.
Yes, you can repay the loan early at any time without penalties or additional fees. Interest is recalculated based on the actual usage period.
No. The entire process — from application to receiving funds — is completed online via the Ipoteka Bank mobile app. No branch visit is required.
Only a passport and self-employed status are required. Income certificates are not needed — we automatically verify your information through the Soliq system.
A self-employed person is a citizen of Uzbekistan who works for themselves: provides services or sells goods independently without hiring employees. For example, taxi drivers, confectioners, tutors, tailors, repair specialists, and others. The status can be registered for free via the Soliq app.
