Currency: USD

Loan Term: Up to 5 years

Loan Amount: Up to $20,000

Grace Period: Up to 3 months (using the differentiated method)

Interest Rates:

Repayment Method: Fixed monthly payments (annuity) or declining balance (differentiated)

Collateral:

• For loans up to $10,000:

  • Third-party guarantor

  • Credit default risk insurance policy covering the entire loan term

• For loans exceeding $10,000:

  • Vehicle (not older than 5 years)

  • Real estate

Citizenship: Citizen of the Republic of Uzbekistan, aged between 18 and 65 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

Self-Employment Registration Certificate: Certificate of registration with the state tax authorities as a self-employed individual (if applicable)

Social Tax Payment Confirmation: Document confirming payment of social tax by the self-employed individual (if applicable)

The consumer loan cannot be used for:

• Real estate or other assets restricted or prohibited by law

• Used goods intended for personal use

• Goods or services acquired through contracts between individuals