Terms
Age Limit
Minimum 20 years at application; up to 65 (men) and 60 (women) by maturity.
Credit History (KATM)
KATM score must be at least 200.
Disbursement Method
Via bank card transfer
Early Repayment
Early repayment of the credit is available.
Geographic Requirements
Permanent registration and residence in Fergana city/district or Namangan city/district.
Guarantee (Co-borrower)
If the income is insufficient, a guarantee from a person with official income is accepted.
Interest Rate
• 26% – Collateral + Official income.
• 27% – Collateral (per Annex 1).
• 34% – Collateral (per Annex 2).
Loan Amount
Up to 200 million UZS.
Loan Purpose
For starting or developing entrepreneurial activities.
Loan Term
Up to 60 months.
Payment Method
Annuity or Differential, payable by the 2nd of each month.
Security (Collateral)
Real estate covering 100% of the loan; accepted at 40-60% of market value.
Valuation & Insurance
Valuation by specialists or independent firms; collateral insurance is mandatory.
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