“Mikrokredit”

• Must be a citizen of the Republic of Uzbekistan
• Must be registered as a self-employed individual with the State Tax Service authorities
• Must be over 18 years old at the time of loan issuance and not older than 70 at the time of full repayment
• Must have a stable source of income (official or unofficial) confirmed by supporting documents
• Average monthly income must be sufficient to ensure timely repayment of the loan and interest
• Average monthly income is determined based on the last 6 months of inflows to the bank account linked to the SQB Mobile application
• Existing loans are allowed, provided that repayment capacity is sufficient
• No overdue задолженности (past-due debts) are allowed
• The loan will not be granted if the client has previously had delays exceeding 90 days on two occasions

Documents to be provided by the borrower:

• passport or other identity document
• if the client is a military serviceman, a military ID must be provided along with a copy of the passport
• certificate from tax authorities confirming registration as a self-employed individual
• independent appraisal report on the value of the pledged property (if required)
• other relevant documents that may be requested by the bank

Documents to be provided by the guarantor:

• passport or other identity document
• income information (may also be obtained via the bank’s electronic system)
• other documents requested by the bank during the client assessment process