Microloan MikroMadad
Financial support when you need additional funds
How to get a "MikroMadad" microloan?
Receive an initial consultation by phone or at a Bank branch
Submit the required documents to the Bank and await approval
Sign a loan agreement with the Bank
A passport or another identity document
Information confirming the borrower’s income
Documents relating to the security provided for the microloan
A report issued by an independent valuation company where property is provided as collateral, if required
Other documents required by law
The microloan is available to citizens of the Republic of Uzbekistan who are between 18 and 65 years of age, inclusive, on the date of application.
SMS
By sending to 2500
By bank
In any bank offices
Bank cards
By SQB Mobile app
Calculator
Purpose of the microloan:
no specific purpose restrictions
Microloan amount:
from UZS 2 million to UZS 100 million
Microloan term:
up to 48 months
Currency:
national currency — Uzbek soum
Repayment schedule:
annuity or declining balance
Microloan security:
the following may be accepted as security:
- surety provided by an individual;
- insurance policy;
- a motor vehicle manufactured no more than 5 years ago;
- real estate.
Residential property is not accepted as collateral for microloans with a term of up to 12 months.
Security coverage:
- at least 125% of the microloan amount;
- for persons related to the Bank — at least 130% of the microloan amount.
Method of disbursement:
credited to the borrower’s bank card or disbursed in cash in the national currency
Annual interest rate: 24%
Repayment term: up to 12 months
Annual interest rate: 25%
Repayment term: up to 24 months
Annual interest rate: 26%
Repayment term: up to 36 months
Annual interest rate: 28%
Repayment term: up to 48 months
Annual interest rate: 26%
Repayment term: up to 12 months
Annual interest rate: 27%
Repayment term: up to 24 months
Annual interest rate: 28%
Repayment term: up to 36 months
Annual interest rate: 30%
Repayment term: up to 48 months
Annual interest rate: 23%
Repayment term: up to 12 months
Annual interest rate: 24%
Repayment term: up to 24 months
Annual interest rate: 25%
Repayment term: up to 36 months
Annual interest rate: 27%
Repayment term: up to 48 months
the borrower must be a citizen of the Republic of Uzbekistan;
the borrower must be between 18 and 65 years of age, inclusive, on the date of application;
the borrower must have verified income sufficient to make monthly principal and interest payments;
the borrower must have no overdue debt;
the borrower’s credit history for loans and microloans will be reviewed for the preceding 24 months;
the debt burden ratio must not exceed 50%;
the total outstanding principal under consumer loans and/or microloans must not exceed eight times the borrower’s average monthly income.
The Bank determines the borrower’s average monthly income based on supporting documents and available data, including:
salary information for 6 consecutive months, excluding periods of annual leave. If income was not received during a particular month, funds credited to the borrower’s bank card during that month may be taken into account;
information on pension payments;
information on funded pension contributions;
information on taxes paid, including data from the individual’s annual aggregate income tax return;
funds credited to bank accounts, including bank cards, over 6 consecutive months;
other information confirming income that is permitted under applicable law.
The borrower’s income is calculated net of taxes.
For borrowers engaged in seasonal work, income received continuously for at least 3 months during the preceding 6 months may be taken into account.
a passport or another identity document;
information confirming the borrower’s income;
documents relating to the security provided for the microloan;
where property is provided as collateral, a report issued by an independent valuation company, if required;
other documents required by law.
a passport or another identity document
information confirming the borrower’s income
documents relating to the security provided for the microloan
where property is provided as collateral, a report issued by an independent valuation company, if required
other documents required by law
a passport or another identity document
information confirming the guarantor’s income
other documents required by law
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Last updated date: 17.09.2026 12:03
