Yangicha Consumer Loan
Convenient credit for goods and services.
Credit amount
Interest rate
Maturity date
Grace period*
Calculator
How to get a credit?
Get a preliminary consultation by phone or at the bank's office
Submit the necessary documents to the bank and wait for a favourable decision
Sign a credit agreement with the bank
Passport or ID card
Proof of income (if required)
Sale and purchase agreement
Documents relating to the loan security (if required)
Independent appraiser’s report (if property is provided as collateral)
The loan is available to citizens of the Republic of Uzbekistan who are at least 18 years old on the application date and no older than 70 at the time of full repayment.
SMS
Send to number 2500
At the bank
In bank offices
From card
Via SQB mobile app
Loan purpose:
Purchase of goods and services, including household appliances, furniture, education, medical services, holidays, home improvements, sports equipment and other expenses.
Loan amount:
Up to UZS 200 million
Interest rate:
- up to 6 months — 21.99%
- up to 9 months — 22.99%
- up to 12 months — 23.99%
- up to 24 months — 24.99%
- from 36 to 60 months — 25.99%
Grace period:
Up to 3 months when using a declining-balance repayment schedule
Repayment schedule:
Declining-balance or annuity
Disbursement method:
The loan proceeds are transferred by bank transfer to the account of the supplier of the goods or services under the relevant agreement.
Security requirements:
For loans of up to UZS 100 million:
- a third-party surety;
- an insurance policy covering the risk of loan non-repayment;
- a motor vehicle not more than 5 years old;
- real estate; residential property must have no registered residents.
For loans exceeding UZS 100 million:
- a motor vehicle not more than 5 years old;
- real estate with no permanently registered residents.
The value of the security must be at least 125% of the loan amount, or at least 130% for affiliated parties.
Additional terms:
- the loan is available only in the national currency, Uzbek soums;
- the interest rate remains fixed throughout the loan term;
- the funds are transferred to the seller by bank transfer only;
- income may be verified through the Bank’s electronic system or assessed based on funds credited to the applicant’s bank accounts.
- Citizenship of the Republic of Uzbekistan.
- Age: at least 18 years on the application date and no older than 70 years on the date of full loan repayment.
- A stable and sufficient source of income derived from activities permitted by law.
- Income must have been received regularly for at least the last 6 months.
- Existing loans are permitted, provided that the borrower has sufficient repayment capacity.
- No overdue debt.
- The loan will not be granted if the applicant has had payment arrears exceeding 90 days on more than two occasions under previous or existing loans.
- The debt-service-to-income ratio must not exceed 50%.
- Up to three co-borrowers may be involved.
- passport or ID card;
- sale and purchase agreement with the seller;
- documents relating to the loan security, if required;
- an independent appraiser’s report if property is provided as collateral.
Customers whose salaries are credited to an SQB card are not required to provide proof of income, as the Bank verifies this information electronically.
Additional documents may be requested if necessary, and up to three co-borrowers may be involved.
Issued for the purchase of apartments from the primary market
Make everyday payments using the convenient app
Application sent Last updated date: 25.09.2026 11:08
