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Microloan «Joziba»

Microloan

Citizens of the Republic of Uzbekistan reached the age of 18 years but not older than 65, having a permanent source of income, participating in the salary project of the JSC “Aloqabank”.

25%

Interest rate

Up to 36 months

Credit term

Up to 50 mln. sums

Loan amount

Issue a loan

Information sheet

About loan

The bank grants the microloan «Joziba» to individuals participating in the bank’s payroll project, receiving monthly salaries on bank cards issued by Aloqabank, i.e. communications workers (belonging to the Ministry of Digital Technologies of the Republic of Uzbekistan), employees of preschool education, public education, higher and secondary special education, customs, and health care system, Security Department of National guard of the Republic of Uzbekistan.

*Lending operations are temporarily suspended*

Take out a loan online

You can get online microloan via the Zoomrad mobile application!

Interest rate

from 10 %

to 50 %

Loan amount

35 000 000

soum

from 3 million soum

to 50 million soum

Loan term

months

from 1 month

to 36 month

Repayment type:

Annuity Differential

Insurance expenses:

Notary expenses:

Collateral assessment costs:

Other:

Average monthly payment*

... soum

Annual interest rate:

...%

Full cost of the loan:

...%

Issue a loan

Information sheet

* The calculation is preliminary. The exact amount of the monthly payment will be determined by the bank based on the results of consideration of the application.

Loan terms

Annual interest rate

25%

Maximum loan amount

Up to 50 mln. sums

Credit term

Up to 36 months

Loan target

Microloan

Submission form

By crediting to the card

Principal and interest repayment

Monthly

Repayment method

Differentiated

A taking out method

Bank branch

Grace period

Information sheet

Download the Information sheet on the main conditions of the loan

Information sheet

FAQs

Still have questions? You can have a look at our FAQ database

Required documents

An original identity document (a civil passport or ID card) of a customer. In this case, the bank officer takes a copy of the original identity document.

A sales (service) agreement entered into with an entity producing or selling goods (services).

The documents required if the loan is secured by a third party surety:

If guarantor is an individual:

an original identity document (a civil passport or ID card) of the guarantor. In this case, a bank officer takes a copy of the original identity document.

If guarantor is a legal entity:

the balance sheet and appendices of a guarantor-company;

an auditor's report;

the minutes of the founders’ meeting on consent to grant the surety;

the constituent documents (Certificate, Articles of Incorporation, Deed of Incorporation).

Requirements

To a borrower: Citizens of the Republic of Uzbekistan who are 18 years of age or older, but younger than 65, have a permanent income, participate in the bank’s payroll project and receive monthly salaries on bank cards issued by Aloqabank, i.e. communications workers, employees of the Ministry of Preschool and School Education and the Ministry of Higher Education, Science and Innovation, customs, as well as health care system or stateless persons permanently residing in Uzbekistan.

The borrower (co-borrower, individual guarantor) income data the bank looks up online from external sources.

When the bank cannot find the borrower (co-borrower, individual guarantor) income data online from external sources, the Borrower shall provide a statement of income.

Credit support

A third party surety.

The liquid collateral.

Download Zoomrad mobile application

Fill out an application

Pass the identification

Get the opportunity to get online loan

We are happy to help you

If you have any questions, our team will answer them.

+998 71 230-77-77

Contact Center 24/7

The mobile app Zoomrad features interactive services and a calculator.

Loan contract sample - Microloan

Size: 451.58 KB
Format: pdf

Loan contract sample - Autoloan, Consumer loan, microloan, Mortgage and education loan agreement from the bank resource

Size: 478.26 KB
Format: pdf

30%

Interest rate

Up to 36 months

Credit term

Up to 50 mln. sums

Loan amount

Microloan

Borrower: Citizens of the Republic of Uzbekistan reached the age of 18 years but not older than 65, having a permanent source of income, or stateless persons permanently residing in Uzbekistan.

Detail