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Microloan “Refinans” Temporarily suspended
Refinance the principal on your microloan from another bank and repay it at SQB on a new schedule.
Amount — within the outstanding principal
Microloan term
Fixed rate
Transfer to the original bank
How to use the product?
Receive an initial consultation by phone or at a Bank branch
Submit the required documents to the Bank and await approval
Sign a supplementary agreement to the loan agreement with the Bank.
Passport or other identity document
Proof of income — may be obtained via the Bank’s electronic system
Microloan agreement concluded with the original bank
Certificate from the original bank on the outstanding balance and payment details
Microloan security documents
Report by an independent valuation company — if property is provided as security and a report is required.
Other documents provided for by law may also be required.
The microloan is available to citizens of the Republic of Uzbekistan aged 18 to 65 inclusive on the date of application.
SMS
Send to 2500
At the bank
At bank offices
From a card
Via the SQB Mobile app
Loan amount
Percentage rate
Loan term
*Calculations are for informational purposes only. The total sum is calculated individually.
Purpose of the microloan:
Refinancing of the principal on a microloan obtained from another commercial bank.
Accrued interest, penalties, fines and other obligations to the original bank are not refinanced.
Maximum microloan amount:
Equal to the outstanding principal on the microloan being refinanced, but no more than UZS 100,000,000. The outstanding balances of the borrower’s other microloans are taken into account.
Microloan term:
Up to 36 months.
Payment schedule:
Annuity or declining balance.
Grace period:
Not provided.
Method of disbursement:
Funds are transferred to the account opened with the original bank to fully repay the outstanding principal. No funds are issued to the borrower for free use.
Microloan security:
- guarantee from an individual — up to 3 guarantors;
- insurance policy;
- a motor vehicle no more than 5 years old from the date of manufacture;
- real estate. For microloans with a term of up to 12 months, residential premises are not accepted as collateral.
The value of the security must be at least 125% of the microloan amount, and at least 130% for persons related to the Bank. The insurance contract and insurance policy are issued for the entire term of the microloan.
Microloan term: 12 months
Interest rate: fixed
Microloan term: up to 24 months
Interest rate: fixed
Microloan term: Up to 36 months
Interest rate: fixed
Microloan term: 12 months
Interest rate: fixed
Microloan term: up to 24 months
Interest rate: fixed
Microloan term: Up to 36 months
Interest rate: fixed
- the borrower must be a citizen of the Republic of Uzbekistan aged 18 to 65 inclusive on the date of application;
- the borrower must have confirmed income sufficient to repay the microloan; income is taken into account net of taxes;
- income assessment takes into account salary information for the last 6 consecutive months, pension and funded pension contributions. If there is a break in income, funds credited to the bank card for the relevant month may be taken into account;
- other loans, microloans and guarantees are allowed provided the borrower has sufficient creditworthiness;
- current overdue debt on obligations is not allowed;
- the credit history for the last 24 months is reviewed. If arrears of more than 90 days on current or previously repaid loans and microloans are identified in the last 12 months, the microloan will be declined;
- arrears of more than 60 days in the last 6 months are not allowed;
- maximum debt burden — 50%. Payments on the microloan being refinanced are not taken into account in its calculation;
- the ratio of total principal on consumer loans and microloans to average monthly income must not exceed 8. The principal on the microloan being refinanced is not taken into account;
- at least 6 months must remain until the maturity of the original microloan;
- the original microloan agreement and a certificate from the original bank on the outstanding balance and payment details must be submitted;
- a microloan is not refinanced within the same banking system; debt data must match the credit registry information;
- the security for the original microloan cannot be provided as security for the refinanced microloan;
- after the funds are transferred, the borrower must submit to the Bank, within 3 banking days, a certificate of full repayment of the debt to the original bank;
- if the certificate is not submitted within the established period, interest is recalculated at a rate of 40% per annum from the date of transfer. The original rate applies from the day following the day the certificate is submitted.
- citizenship of the Republic of Uzbekistan;
- age on the date of application — 18 to 65 years inclusive;
- income sufficient to make monthly microloan payments;
- other loans, microloans and guarantees are allowed provided the borrower has sufficient creditworthiness;
- co-borrowers are not provided for under the product.
- income must be documented and not prohibited by law;
- salary information for the last 6 consecutive months is taken into account, excluding periods of annual leave;
- if there is a break in income, funds credited to the bank card for the relevant month may be taken into account;
- information on pension and funded pension contributions is also taken into account;
- income is taken into account net of taxes;
- maximum debt burden — 50%. Payments on the microloan being refinanced are not taken into account in its calculation;
- the ratio of total principal on consumer loans and microloans to average monthly income must not exceed 8. The principal on the microloan being refinanced is not taken into account.
- the credit history is reviewed for loans and microloans issued in the last 24 months;
- current overdue debt on obligations is not allowed;
- arrears of more than 60 days in the last 6 months are not allowed;
- if arrears of more than 90 days on current or previously repaid loans and microloans are identified in the last 12 months, the microloan will be declined.
- only a microloan obtained from another commercial bank is refinanced; refinancing within the same banking system is not allowed;
- at least 6 months must remain until the maturity of the original microloan;
- debt data must match the credit registry information;
- the security for the original microloan cannot be provided as security for the new microloan.
- passport or other identity document (may be submitted digitally via the Single Portal of Interactive Public Services);
- proof of income — may be obtained via the Bank’s electronic system;
- microloan agreement concluded with the original bank;
- certificate from the original bank on the outstanding balance and payment details;
- microloan security documents;
- report by an independent valuation company — if property is provided as security and a report is required;
- other documents provided for by law.
The microloan is available to citizens of the Republic of Uzbekistan aged 18 to 65 inclusive on the date of application.
Issued for the purchase of apartments from the primary market
Make everyday payments using the convenient app
Application sent Last updated date: 23.10.2026 11:22
