Purpose: The educational loan is available for full-time, evening, and part-time students enrolled in bachelor's and master's programs at higher, secondary specialized, and professional educational institutions. This includes students admitted under differentiated tuition agreements (super contracts) and those attending educational courses.

Loan Amount: Ranges from 2 million to 100 million UZS.
Loan Term and Interest Rates:

Grace Period: Not provided.

Repayment Method: Choose between annuity (equal installments at regular intervals) or differentiated (installments that decrease over time).

Citizenship: Citizen of the Republic of Uzbekistan.

Age: Between 18 and 40 years old at the time of application.

Income: Self-employed individuals with a stable income sufficient to cover the loan's principal and interest as per the repayment schedule. Other documented and legally permissible income sources are also acceptable.

Identification: Valid passport or ID of the borrower (and co-borrower, if applicable).

Income Verification: Income documentation (electronic data can be obtained through the bank's system).

Educational Contract: Agreement with the educational institution.

Collateral Documentation: If providing property as collateral, an appraisal report from an independent evaluation organization.

Social Tax Payment Proof: Document or certificate confirming payment of social tax.

Additional Documents: Other documents as required by relevant legislation.

For loans up to 30 million UZS:

• Credit default risk insurance policy covering the entire loan term.

For loans up to 100 million UZS:

• Collateral in the form of non-residential premises or a vehicle not older than 5 years.

You can explore our loan products on our website and submit an inquiry online. Alternatively, you may visit the nearest branch to receive personalized assistance and apply in person. Our loan specialists are available to guide you through every step of the application process.

To qualify for a loan, applicants must meet the following criteria:

• Be of legal age.

• Have a verifiable and stable source of income.

• Maintain a positive credit history with no overdue debts or negative records with financial institutions.

Specific requirements may vary depending on the loan product. Please review the terms and conditions for details.

Loan processing times vary depending on the product type and individual assessment. However, we strive to provide a decision as promptly as possible, typically within a few business days.

The loan term is determined based on the selected loan product and the applicant’s financial profile. Please refer to the specific product terms for exact details.

Interest rates are calculated based on multiple factors, including the loan type, loan term, and applicant’s credit profile.

Yes, early repayment is allowed without penalties. Paying off your loan ahead of schedule may reduce the total interest paid over the loan term.

You can monitor your loan status through the following channels:

• The BRB mobile banking application.

• Your personal account on our website.

• Visiting any of our branch locations.

• Contacting our customer service center at 1254.

Missing a payment may negatively impact your credit score and result in late payment fees. If you anticipate difficulties in making a payment, we strongly recommend informing the bank in advance to discuss possible solutions.

• Annuity Payments – Fixed monthly payments remain consistent throughout the loan term. Initially, a larger portion covers interest, while the principal repayment increases over time.

• Differentiated Payments – Monthly payments decrease over time as the principal portion remains fixed while interest is calculated on the outstanding balance. Payments are higher at the beginning of the loan term and gradually decrease.

Yes, obtaining a second loan is possible; however, approval is subject to an evaluation of your credit history, debt-to-income ratio, and overall financial standing.

📌 For detailed terms and conditions or further assistance, please visit the nearest branch or consult with our loan specialists.