Drive Microloan

Up to 24 monthsLoan Terms
Good Interest Rates
50 mln.sumLoan Amount

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Drive Microloan

Last updated: 23.11.2021

Microloan

Credit for any needs

Microloan Terms

Microloan Amount Up to 50 mln. sums
Microloan Terms Up to 24 months
Form of Provision Non-cash transfer to debit card
Interest Rate 48 % per annum
Collateral Collateral in the form of a vehicle or other type of collateral that does not contradict the bank's credit policy
How to Apply? At the bank office and branches
Repayment Frequency Monthly repayment of principal and interest amount

Please note that the interest amount of the loan is calculated based on the nominal interest rate, and the full cost of the loan indicates how much the loan will cost if interest amounts and other types of payments are paid on time and in the prescribed amount.

The procedure for calculating the full cost of the loan can be found at: https://hamkorbank.uz/credit-calc.

The nominal interest rate of this loan can be changed by the bank, and the rate change will be agreed with the borrower.

Additional information

Required Documents

Requirements for Borrowers

Application review period: 5 days; in case of providing a complete list of required documents;
Loan repayment frequency: monthly, in the amounts specified in the repayment schedule
Early repayment: early repayment is provided without additional fees and penalties;
Fines and penalties: In case of violation of the terms of repayment of the principal debt on the loan, the interest rate on the amount of overdue debt increases 1.5 times from the date of formation of this overdue debt;
Penalty for overdue interest – 0.1% per day;
Collateral - at least 125% of the loan amount.

Factors influencing a positive decision on granting a loan:

Positive credit history;
Permanent source of income;
Provision of the required collateral for the loan;
Completeness of the provided list of documents.

Factors influencing the negative decision to granting a loan::

Negative credit history;
Lack of a permanent source of income;
Lack of collateral for the loan;
Incompleteness of the provided list of documents.

Application for a microloan
Documents confirming the identity of the borrower (passport or military certificate)
In cases of difficulty in determining the average monthly income of the client, a certificate of income may be requested, documents for securing a microloan

Citizens of the Republic of Uzbekistan and stateless persons permanently residing in the territory of the Republic and having a stable income;
Absence of overdue debts on previously issued loans.

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Для иностранных кредитных линии

* Kreditning (qarzning) to‘liq qiymati deganda hisob-kitob qilish chog‘ida qarz oluvchining kredit (qarz) olish bilan bog‘liq to‘lovlari hisobga olinadigan ishonchli, yillik va samarali tarzda hisoblab chiqarilgan foiz stavkasi tushuniladi. Kreditning (qarzning) to‘liq qiymati hisob-kitobiga qarz oluvchining to‘lovlari, shu jumladan uchinchi shaxslar foydasiga to‘lovlari, agar qarz oluvchining bunday to‘lovlar bo‘yicha majburiyati shartnoma shartlaridan kelib chiqsa va (yoki), agar kredit (qarz) berish bunday to‘lovlarni amalga oshirishga bog‘liq qilib qo‘yilgan bo‘lsa, kiritiladi.