Yangicha OVERDRAFT
Spend as Much as You Need!
Credit amount
Credit interest rate
Credit term
Grace period
How to get a loan?
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
Passport or ID card
Proof of income
-
Documents relating to the security provided for the loan
The loan is available to citizens of the Republic of Uzbekistan who are at least 18 years old on the date of application and no older than 70 when the loan is fully repaid.
SMS
By sending to 2500
By bank
In any bank offices
Bank cards
By SQB Mobile app
Calculator
Loan amount:
from UZS 2 million to UZS 100 million.
The credit limit is determined individually and may not exceed three times the borrower’s average monthly income, including salary and pension payments.
Loan term:
up to 24 months.
The final 12 months constitute the repayment period.
Grace period:
up to 12 months.
Interest rate:
26.9% per annum.
Repayment schedule:
declining balance method.
Security:
- surety provided by a third party;
- credit default risk insurance;
- property pledged as collateral, including a motor vehicle no more than 5 years old or non-residential property.
Additional terms:
- the credit limit is established based on an assessment of the borrower’s creditworthiness;
- interest is charged only on the amount actually used;
- early repayment is permitted without additional fees;
- the available credit limit is replenished as the outstanding balance is repaid;
- during the final year of the loan term, the available credit limit is gradually reduced to enable the borrower to repay the outstanding balance in full by the maturity date.
- citizenship of the Republic of Uzbekistan;
- at least 18 years of age on the date the loan is issued and no older than 70 on the date the loan is fully repaid;
- an SQB bank card to which salary or pension payments are regularly credited;
- stable, verifiable income for at least 6 months;
- the total debt burden across all financial obligations must not exceed 50% of the borrower’s average monthly income;
- no current overdue loan payments.
- a passport or another identity document; military personnel must also provide a military ID;
- proof of income or electronic income records, which may be obtained by the Bank through its internal systems;
- documents relating to the security provided for the loan. Where property is provided as collateral, a report issued by an independent valuation company may be required.
In certain cases, additional documents may be requested in accordance with applicable legal requirements.
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Application sent Last updated date: 21.09.2026 10:43
