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Microloan “Biznesga birinchi qadam - Yoshlar uchun”

Microloan

To support young entrepreneurs

18%
Interest rate
not exceeding 7 years
Credit term
Up to 100 million UZS
Loan amount
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About loan

Microloan “Biznesga birinchi qadam - Yoshlar uchun”

Loan purpose

Funds are allocated for purchasing necessary goods and other items for the purpose of establishing entrepreneurial activities, based on the type of activity of individuals registered as self-employed.

Loan term and grace period

For a term not exceeding 7 years

Grace period: for principal – up to 2 years, for interest payments – up to 3 months.

Loan interest

Central Bank policy rate + 4% (18%)

Loan amount and granting form

Not more than UZS 100 million

By transfer of money to bank cards opened with “Aloqabank” JSC

Loan security

“a Non-payment insurance policy (the insurance payment is made by the customer)”

Who gets the loan

Self-employed citizens of the Republic of Uzbekistan, permanently residing in Uzbekistan, who have reached 18 but are under 30, and who pay social tax


Currently, monitoring of loans issued under the "First Step to Business for Youth" program has begun. We announce that loan issuance will resume from October 1 of this year upon completion of the monitoring process.
Take out a loan online

You can get online microloan via the Zoomrad mobile application!

Calculate your loan

Interest rate
18
%
from 17.5 %
to 23 %
Loan amount
100 000 000
soum
from 1 million soum
to 100 million soum
Loan term
84
months
from 3 month
to 84 month
Repayment type:
Insurance expenses:
Notary expenses:
Collateral assessment costs:
Other:
Average monthly payment*
... soum
Annual interest rate:
...%
Full cost of the loan:
...%
* 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
18%
Maximum loan amount
Up to 100 million UZS
Credit term
not exceeding 7 years
Loan target
To support young entrepreneurs
Submission form
By crediting to the card
Principal and interest repayment
Monthly
Repayment method
Differentiated
A taking out method
Bank branch
Grace period
Yes
Information sheet
Download the Information sheet on the main conditions of the loan
FAQs
Still have questions? You can have a look at our FAQ database

Terms and Conditions

Required documents

Necessary documents

The original of the customer’s identification document (civil passport or ID-card of a person). The Bank's employee then makes a copy of the identification document.

Customer's statement of registration with the state tax authorities as a self-employed person.


Requirements

Requirements

Self-employed citizens of the Republic of Uzbekistan, permanently residing in Uzbekistan, who have reached 18 but are under 30, and who pay social tax



Credit support

“a Non-payment insurance policy (the insurance payment is made by the customer)”

How can I get a loan?
1
Download Zoomrad mobile application
2
Pass the identification
3
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

"Zoomrad" mobile app – online payments and digital banking services.

Other loans

Loan Product “Kelajak Uchun”
18%
Interest rate
Not more than 7 years
Credit term
Not more than UZS 20 million
Loan amount
Microloan

Payment for training courses of young persons, learning modern and in-demand professions, including those teaching digital technologies and foreign languages in accordance with the Presidential Resolution dated February 14, 2025, No. PR-62.

Autoloan (primary market)
From 25%
Interest rate
Up to 5 years
Credit term
unlimited
Loan amount
Auto loan

For purchase on the primary market of motor vehicles manufactured/assembled in Uzbekistan by domestic manufacturers or of BYD vehicles sold by official BYD distributors/dealers in Uzbekistan, of vehicles sold by “Roodell” LLC, as well as for the payment of insurance premiums.


Autoloan for secondary market
From 25%
Interest rate
Up to 5 years
Credit term
Up to 300 mln. sums
Loan amount
Auto loan
Purchase on the secondary market of passenger motor vehicles manufactured not more than 5 (five) years ago, (in 2021-....) by UzAuto Motors JSC
(M1 and N1 category) 
“Autoloan – UzAuto Motors”
0%-20,9%
Interest rate
Up to 5 years
Credit term
unlimited
Loan amount
Auto loan

Purchase of Chevrolet Onix, Tracker, and Damas brand vehicles sold by “UzAuto Motors” JSC from official dealers on the primary market.

Autoloan - "minibus" and "micro-truck"
From 25%
Interest rate
Up to 5 years
Credit term
up to 300 mln. Sums
Loan amount
Auto loan

To purchase a vehicle of category M2* intended for passenger transportation and category N1* intended for freight transportation from the primary market and to pay insurance premiums.


Loan Product “Avtokredit ISUZU”
23,1%
Interest rate
Not more than 5 years
Credit term
Unlimited
Loan amount
Auto loan
Purchase on the primary market of the JV LLC “SAMARKAND AUTOMOBILE PLANT” brand vehicles (from authorized dealers).
Autoloan «Avto Premium»
0%-21%
Interest rate
Up to 5 years
Credit term
unlimited
Loan amount
Auto loan

Purchase on the primary market of motor vehicles sold by “ROODELL” LLC

Mortgage – at bank’s own expense
from 26%
Interest rate
Up to 15 years
Credit term
Up to 800 mln. sums
Loan amount
Mortgage loan

For the purchase of apartments or individual housing in apartment buildings on the primary and secondary housing market.

Mortgage – at the expense of the Ministry of Economy and Finance
17,5%-18%
Interest rate
Up to 20 years
Credit term
From 330 mln. Up to 420 mln. sums
Loan amount
Mortgage loan

These mortgages are granted following the allocation of funds by the Ministry of Finance of the Republic of Uzbekistan.

The Credit Product “Home Renovation”
From 27%
Interest rate
Up to 10 years
Credit term
Up to UZS 300 million
Loan amount
Mortgage loan

Renovation of a single-family dwelling and apartment in a multi-apartment building.

 



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