Microloan
Amount
100 mln. uzs
Loan purpose
For personal use
Credit term
till 36 month
Application for a loan
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1 |
Type of the loan |
MICROLOAN |
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2 |
Purpose |
for personal needs |
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3 |
Customer |
Citizens of the Republic of Uzbekistan who have reached 20 years of age and not exceeded 70 years of age on the date of the last payment. |
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Individuals with official income |
Individuals without official income |
Individuals receiving a pension |
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4 |
Annual interest rate |
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from 24% up to 48% |
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5 |
Term |
36 and 60 months |
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6 |
Determination of the interest rate |
According to the client's scoring results |
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7 |
Collateral |
The income of the borrower |
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8 |
Set of documents to be submitted |
Identity document |
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9 |
Required working experience |
Last 6 months |
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10 |
Amount |
up to 100 million UZS |
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11 |
Procedure of collection overdue payments |
the overdue part of the loan is withdrawn from the borrower's bank card opened in banks without acceptance |
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12 |
Services for the loan |
- Opening a credit account, providing a service for credit account, registering the collateral, release a collateral or part of the collateral from collateral source, monitoring, sale of the amount of the remained loan to other banks, obtaining the information from the credit bureau, making an entry in the register of collateral, monthly subscription fee on the credit, for a loan amount that does not use open credit lines – FREE - making changes to loan contract by the request of the customer – 5% of remained amount of the loan (in case it does not exceed 500 000 UZS) |
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Attention
| Name | Summ |
|---|---|
Monthly payment (if calculated in annuity) |
3 923 285 UZS |
The minimum monthly income required for obtaining a loan |
5 604 693 UZS |
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
| The name of commercial bank, Official website, phone numbers |
JSCMB "Ipoteka-bank", www.ipotekabank.uz Phone:(78) 150-11-22, Contact center:1233 |
|---|---|
1-section. Loan information |
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| 1. Type of the loan | Microloan |
| 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 | % |
41,238,269 uzs |
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| 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 |
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10. The amount of a one-time payment during the payment period |
3,923,285 uzs |
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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) |
141,238,269 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.
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ACCURACY OF THE INFORMATION SHEET AND THE AUTHENTICITY IS CONFIRMED. _______________________________________ (position and full name of the bank's specialist) |
_______________________________ (date of completion) |
