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Microloan – up to 100,000,000 UZS

Available within 2 minutes via the mobile application.
No collateral and no proof of income required.
Check your limit in the mobile app
Financing for Repairs
Purchase all necessary materials immediately.
Apply in the App
Financing for Weddings
Settle expenses for the banquet, wedding attire, and photographer.
Apply in the App
Financing for Appliances
Acquire a new refrigerator, washing machine, and television.
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
All you need is your smartphone
Download the Ipoteka Retail app and apply online — no collateral or guarantors
Download the App
How to apply for a microloan in Ipoteka Retail
Open the app
Open the app
Ipoteka Retail on your smartphone
2. Sign up
2. Sign up
prepare your ID card or passport
3. Check your limit
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
4. Receive a decision
it will take no more than two minutes
If you take a microloan for the amount
With term and rate
Your monthly payment will be
2 895 451 UZS

Check your exact rate and monthly payment when submitting your application in the Ipoteka Retail 2.0 app

Check Your Limit in the App

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
The name of commercial bank, Official website, phone numbers
JSCMB "Ipoteka-bank",
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
%
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
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 (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

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