Microloan Terms
Application
Free
Amount
from 1 000 000 to 100 000 000 UZS
Term
36 to 60 months
Interest rate
from 24% to 48,9% annually
Disbursement
Online, to your current account in the Ipoteka Mobile app
Fee for transferring loan funds to a card
0% in Ipoteka Mobile*
Loan servicing fee
Free
Repayment methods
In the Ipoteka Mobile mobile app
At Ipoteka bank ATMs
At Ipoteka bank branches
At Ipoteka bank ATMs
At Ipoteka bank branches
*In the Ipoteka Retail app, the fee for transferring loan funds from the credit account to a card may be up to 0.99% of the transfer amount.
Documents
Why is Insurance Needed
To provide financial protection for the borrower and their family in the event of insured occurrences
Important Information
Insurance is voluntary. Refusal to purchase insurance does not affect the decision on the approval of a microloan
Key Terms
- Insurance type: Voluntary;
- Insurance company: Imkon-Sug’urta OTP Group;
- Policyholder / Payer: Borrower;
- Included in the loan amount: Deducted from the loan amount;
- Insurance period: Equal to the microloan term, but not exceeding 36 months;
- Sum insured: Up to the amount of the loan.
Insurance Premium
3% of the loan amount: 2.7% — Death or Group I–II disability; 0.3% — Loss of income.
Covered Risks
Group I–II disability; Death as a result of an accident; Loss of income due to loss of employment; Loss of income resulting from the insured person’s death.
Exclusions
Intentional criminal acts; Suicide; Military actions; Radiation exposure; Voluntary resignation from employment; Absence of official unemployment status; Other exclusions specified in the Insurance Rules.
Online Enrollment
Insurance can be purchased, at the customer’s discretion, while submitting a microloan application through the mobile application.
Refund of the Insurance Premium
The insurance premium may be refunded upon the customer’s written application submitted to the bank’s Head Office or any branch. A copy of the customer’s passport or ID card is required. The refund will be transferred to the bank card specified by the customer in the application.
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
%
165,211,071 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
4,420,185 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)
265,211,071 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
FAQs
An online microloan is available to citizens of the Republic of Uzbekistan who use the Ipoteka Mobile app. The client must be at least 20 years old on the application date and not older than 70 years old on the final microloan payment date. The maximum age at the application date depends on the selected loan term.
You can receive from UZS 1,000,000 to UZS 100,000,000.
The final amount is determined individually by the Bank based on the application review and creditworthiness assessment and cannot exceed the approved limit.
The microloan is issued for a term of 36 to 60 months. The exact term is set within the approved conditions and specified in the repayment schedule.
The interest rate ranges from 24% to 48,9% per annum.
The specific rate is determined individually by the Bank and is displayed in the application before you accept the offer.
Application steps:
Open the Ipoteka Mobile app → select “Online Microloan” → complete the scoring process → review the offer terms → confirm the application.
After scoring, the available amount will be displayed. You may select any amount within the approved limit.
Open the Ipoteka Mobile app → select “Online Microloan” → complete the scoring process → review the offer terms → confirm the application.
After scoring, the available amount will be displayed. You may select any amount within the approved limit.
The decision is generated in the mobile application within 2 minutes. The actual processing time may depend on data verification and internal procedures.
Funds are credited to your current account in Ipoteka Mobile.
There are no fees for submitting an application or servicing the microloan. Interest is charged at the applicable rate. If voluntary insurance is selected, the insurance premium is 3% of the loan amount and is deducted from the loan proceeds.
If payment deadlines are missed, late-payment charges and/or contractual penalties may apply in accordance with the terms of the offer agreement.
If payment deadlines are missed, late-payment charges and/or contractual penalties may apply in accordance with the terms of the offer agreement.
Repayment is made according to the schedule:
– via the Ipoteka Mobile application;
– through Ipoteka Bank ATMs;
– at the Bank’s branches/cash offices.
If a payment date falls on a non-business banking day, the payment is due on the next business day.
– via the Ipoteka Mobile application;
– through Ipoteka Bank ATMs;
– at the Bank’s branches/cash offices.
If a payment date falls on a non-business banking day, the payment is due on the next business day.
Yes, both full and partial early repayment are available. The system will automatically recalculate the remaining payment schedule.
If a limit is approved but you do not confirm disbursement (i.e., you do not select the amount and finalize the application), the offer will automatically expire within 5–15 minutes.
If you confirm disbursement and the funds are credited, the microloan is considered issued, and interest starts accruing from the following day (in accordance with the offer terms).
If you fully repay the microloan on the same day the funds are credited, no interest (or penalties) will be charged, subject to the offer terms.
Once funds are credited, cancellation is not possible. Obligations terminate only upon full repayment of the outstanding debt.
If you confirm disbursement and the funds are credited, the microloan is considered issued, and interest starts accruing from the following day (in accordance with the offer terms).
If you fully repay the microloan on the same day the funds are credited, no interest (or penalties) will be charged, subject to the offer terms.
Once funds are credited, cancellation is not possible. Obligations terminate only upon full repayment of the outstanding debt.
A microloan is a simplified consumer loan for individuals issued online.
Microcredit is a broader term that may include various credit products, including business financing, with different terms and application procedures.
Microcredit is a broader term that may include various credit products, including business financing, with different terms and application procedures.
