"Restructuring" product
Continue your loan on terms that are convenient and convenient for you.
Currenct credit amount
Interest rate
Payment term
Payment date
How to use the product?
Get initial advice by phone or at a bank office
Submit the necessary documents to the bank and wait for a positive decision
Sign a contract with the bank
Passport or ID card
Income certificate
-
Application
For women on leave - a supporting document
Credit collateral documents
The product is available to citizens of the Republic of Uzbekistan from 18 to 65 years old.
SMS
By sending to 2500
By bank
At any offices
By card
By SQB Mobile app
Purpose
To reduce the monthly loan burden on previously issued loans at SQB and to adjust repayments to the client’s current financial capacity.
What can be changed
- loan repayment schedule
- monthly payment date
- intermediate or final repayment terms
- co-borrower (if official income is available)
The loan amount cannot be changed.
Currency
National currency (UZS)
Payment date change conditions
- once within a single loan
- within one calendar month
- no later than the 20th of the month
Payment method
Within the restructuring framework, the repayment method may be changed:
- annuity
- differential
Extension of the term
- only for women on childcare leave
- up to 2 years
- upon submission of supporting documents
- no more than once per loan
Collateral
The collateral remains valid under the original agreement.
In case of extension, collateral, guarantees, and insurance are automatically extended.
The pledged property must remain intact and free from seizure or restrictions.
Types and conditions of collateral
- all originally pledged property
- property must be intact and free of encumbrances
Additional conditions
Restructuring does not apply to the following types of loans:
- credit cards
- overdrafts
- preferential loans
- loans issued from attracted resources
Exception: for the above loans, it is allowed to change the payment date and payment method (annuity / differential).
General requirements
Citizenship: Republic of Uzbekistan
Age:
must be over 18 years old at the time of loan issuance;
must not be older than 70 at the time of full loan repayment.
Income requirements:
must have a permanent job or a stable source of income;
must confirm official income for the last 6 months;
for self-employed individuals, income confirmation is not required;
for individual entrepreneurs (IE), 10% of all funds received to the main account in SQB is taken into account.
Credit history requirements:
no loans classified as “unsatisfactory,” “doubtful,” or “bad”;
no overdue debt of more than 60 days in SQB;
the loan must not have been rescheduled more than once;
no outstanding debt under previously modified terms.
Additional conditions:
no open enforcement proceedings with the Bureau of Compulsory Enforcement.
List of documents
Passport or ID card (biometric document)
Income statement:
official income may be confirmed through the bank’s electronic system;
for self-employed individuals, income confirmation is not required;
for individual entrepreneurs (IE), 10% of funds received to the main account in SQB is taken into account.
Application for loan restructuring
If collateral is provided — documents related to the pledged property
For women on childcare leave — document confirming maternity/childcare leave status
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Application sent Last updated date: 16.06.2026 17:37
