Microcredit Mahalla ishbilarmoni

• citizenship of the Republic of Uzbekistan;

• age on the date of application — 18 to 60 years inclusive;

• registration with the tax authorities as a self-employed person;

• conducting activities in the district assigned to the relevant SQB branch;

• payment of social tax;

• a sufficient source of income to repay the principal and interest;

• a business plan for conducting business activities;

• debt burden — no more than 50%;

• no overdue debt on loans and microcredits.

Existing loans, microcredits and guarantees provided are allowed if the borrower has sufficient creditworthiness.

The following may be used to determine average monthly income:

• salary information for the last 6 months;

• information on pension and funded pension contributions;

• information on taxes paid and the annual income tax return;

• funds credited to bank accounts and cards over the last 6 months;

• other confirmed sources of income not prohibited by law.

For seasonal activities, income received for at least 3 months within the last 6 months may be taken into account.

Income is calculated net of taxes.

• citizenship of the Republic of Uzbekistan;

• age on the date of application — 18 to 65 years inclusive;

• a permanent job and sufficient confirmed income;

• debt burden — no more than 50%;

• no overdue loan debt.

Income declared by the guarantor from self-employment is not accepted.

• passport or ID card;

• proof of income;

• certificate of registration as a self-employed person;

• certificate of social tax payment for 12 months;

• business plan for conducting business activities;

• microcredit security documents;

• report by an independent valuation company — if property is pledged;

• application submitted via the oilakredit.uz platform — if required;

• recommendation or decision of the territorial, district or city headquarters.

In accordance with the law, the Bank may request additional documents.

• passport or ID card;

• proof of income.

If the guarantor is a military serviceman, visual identification is additionally carried out using their military ID.