For people without an official job

Guarantee — for those without an official job

You can borrow without an official job: two guarantors and an insurance policy are enough.

Conditions

Interest rate: 6% a month (72% a year)
Amount: 2 – 7 mln UZS
Term: 3–12 months
Requirement: 2 guarantorsInsurance policyNo income certificate required

Fees and penalties

Application review — free
No extra payments or fees are charged for issuing loans or for early repayment of microcredits
Interest is charged only on the remaining principal
No grace period
Late payment: 1% a day on the overdue principal, for up to 30 days

What loans are not given for

Under our credit policy, loans are not given for the following purposes.

Show the list (15 items)

1Repaying earlier loans or any other debts.
2Producing tobacco products or alcoholic beverages.
3Production or activities that profit from forced or child labour.
4Producing or trading goods banned by the laws of the Republic of Uzbekistan or by international conventions.
5Producing or trading weapons and ammunition.
6Gambling, casinos and similar activities.
7Trade in wild animals and plants listed in the Convention on International Trade in Endangered Species of Wild Fauna and Flora (CITES), or in goods made from them.
8Producing and selling radioactive materials without state permission, except for medical equipment.
9Producing, trading or using asbestos fibres.
10Producing and selling goods that contain polychlorinated biphenyls (PCBs).
11Producing, selling, storing or transporting goods with a high content of chemicals, or commercial production of chemically hazardous products, except those approved under international standards.
12Producing or trading pharmaceuticals banned by the international community.
13Producing or trading pesticides or internationally banned herbicides.
14Producing or trading internationally banned ozone-depleting substances.
15Other activities banned by the laws of the Republic of Uzbekistan.

Calculator

Amount

UZS

2 – 7 mln UZS

Term12 months

Principal is split evenly, so the payment goes down every month.

First monthly payment

716 667 UZS

Total to repay6 950 000 UZS

The full cost of the loan: the amount you receive plus all interest. No fees.

Interest rate: 6% a month (72% a year)
Total interest: 1 950 000 UZS
Fees: 0 UZS

Repayment schedule

Month	Interest	Payment	Balance
1	300 000	716 667	4 583 333
2	275 000	691 667	4 166 667
3	250 000	666 667	3 750 000

This is an estimate. The exact schedule is set out in the contract.

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Warning

What to know before you borrow

A loan is an obligation. Not repaying it on time creates a financial risk.

If a payment is late or missed

The debt grows: overdue principal is charged a penalty of 1% a day (for up to 30 days).
If loan payments are not made on time, the debt is collected compulsorily through the courts or on the basis of a notary's writ of execution. Recovery is then levied on the pledged property, which may be sold in accordance with applicable law to repay the debt.
Your property and bank accounts may be seized.
Your credit history gets worse, making it hard to borrow from other banks and lenders too.
Your travel abroad may be temporarily restricted.
Guarantors and pledgers are liable for the debt too. Keep this in mind before becoming a guarantor.

Check your debt burden

Your monthly payments on all loans together should not exceed half of your income. See the first payment in the calculator and talk it over with your family before applying.

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