Not required

From 31% to 34% per annum (31.0% for real estate collateral , and up to 34.0% for vehicle collateral )

30 days (interest is not charged for 30 days from the date the loan is issued. If the loan is not repaid within 30 days, the previously accrued interest will be added to the calculation).

* Residential and/or non-residential apartments in buildings with at least 4 floors (buildings with fewer floors are subject to Head Office approval); * Modern courtyard houses or modern cottages; * Non-residential real estate (subject to Head Office approval); * Passenger cars and electric vehicles manufactured within the last 24 months (according to the loan passport, vehicles manufactured within 12 to 60 months are accepted at 50% to 75% of their market value).

Financing or developing business activities (in national currency)

Up to 300 million UZS

Up to 60 months

Self-employed citizens of the Republic of Uzbekistan with permanent registration and residence, who are at least 20 years old at the time of application, and will not exceed 65 years of age for men and 60 years of age for women by the end of the loan term. Additionally, the NICI (KATM) credit score must be at least 200.

Through branches of "Davr Bank" JSCB. After the collateral is notarized, the loan funds are transferred to the borrower's deposit account or plastic card.

Available

The borrower's debt burden ratio (relative to income net of taxes) must not exceed 50%.

Interest is calculated using either the differential or annuity method. Payments can be made in cash, via plastic card, deposit account, or mobile applications. Payments are due on the 2nd day of each month after the 30-day grace period.