Loan Term: Issued in a revolving form for up to 12 months, with an 8-month grace period followed by a 4-month repayment period with evenly distributed payments.

Interest Rate: 24%

Loan Amount: Up to 100 million UZS (limit set at three times the average monthly income)

Repayment Method: Differentiated payments

• Collateral:

Credit default risk insurance policy (contract and policy cover the entire loan term)

Property pledge

Personal guarantor

Accepted Official Incomes:

Salary: (minimum of 6 months)

Age Pension

Average Monthly Income:

Salary: (minimum of 6 months)

Age Pension

Income from personal assistance, agriculture, and individual entrepreneurial activities, with primary account transactions constituting 10% of all receipts (minimum of 6 months)

Citizenship: Citizen of the Republic of Uzbekistan, stateless resident, or foreign resident holding a bank-issued salary or pension card

Age: Between 18 and 65 years at the time of application

Credit History: No overdue debts on previous loans or other obligations

Income Stability: Continuous income for at least the past 6 months

Identification: Passport or other valid ID; if a military ID is provided, a passport copy is also required

Income Verification: Income documentation (electronic data obtained by bank staff through the bank's system)

Collateral Documentation: Independent appraiser's report if property is pledged as collateral