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data from 14.02.2025 13:00:00
CurrencybuysellCBU
USD
12960
13010
13003.95
data from 14.02.2025 13:00:00
CurrencybuysellCBU
USD
12600
13010
13003.95
data from 14.02.2025 13:00:00
...
Update date: ...

Microloan in the Salary Project

Cash desk
Microloan

It is provided to employees of organizations with a permanent source of income who have opened an account with JSC "Poytaxt Bank" and have been operating for no less than 6 months.

26-30%
Interest rate
12-36 months
Credit term
Up to UZS 100 mln.
Loan amount
Menu

About loan


Borrower's Age

- A citizen of the Republic of Uzbekistan who is at least 18 years old and not older than 60 years (inclusive) with a permanent income source and employment.

Loan Amount

- Up to 100 million UZS

Type of Loan

-Microloan

Currency

-UZS

Loan Term

- Up to 36 months

Grace Period

- Not available

Interest Rate

Up to 12 months-26%; 

Up to 24 months-28%;

Up to 36 months-30%.

Loan Security

- For amounts up to 100 million UZS: credit non-repayment insurance policy from an insurance company or a third-party guarantee.

- Collateral in the form of liquid movable or immovable property. 

- The collateral must amount to at least 125% of the loan sum.

Loan Repayment Procedure

-In annuity or differential forms (principal and accrued interest are repaid once a month on the 1st day of the month).

Income Requirements for Borrowers    

-Employees of legal entities participating in the salary project at JSC "Poytaxt Bank" (individuals with regular official income and a stable workplace for the last 6 months). 

Debt-to-Income Ratio

-Debt-to-income ratio: 50%

It is important to carefully calculate your repayment terms before taking out a loan. Contact the bank's specialists for detailed advice and to choose the best loan terms. Proper financial planning will ensure excellent results and help you to use the loan to its maximum benefit.

Loan terms

Annual interest rate
26-30%
Maximum loan amount
Up to UZS 100 mln.
Credit term
12-36 months
Loan target
Non-purpose
Submission form
Cash, By crediting to the card
Principal and interest repayment
Monthly
Repayment method
Differentiated, Annuity
A taking out method
Bank branch
Grace period
No
Size: 33.86 KB
Format: xlsx
Take out a loan online

You can apply for a loan at a Bank branch or on the website. Online applications are accepted around the clock and are processed quickly.

Fill in the online application form. Our employee will contact you and tell you about the conditions of registration and issue.

Information sheet
Download the Information sheet on the main conditions of the loan
FAQs
Still have questions? You can take a look at our Q&A database.

Terms and Conditions

Required documents
  • Application
  • Identity document
  • Collateral-related documents
Requirements
  • The borrower must be a citizen of the Republic of Uzbekistan
  • Microloans are provided to citizens aged 18 to 60 years (inclusive)
  • A permanent source of income is required
  • Employees of organizations that have opened an account with JSC "Poytaxt Bank" and have been operating for no less than 6 months
Security

For individuals who have a monthly income:

  • It is provided with a credit non-repayment insurance policy from an insurance company or a third-party guarantee for amounts up to 100 million UZS
How can I get a loan?
1
To fill out an application
Taking out the loan begins with filing an application online or in one of branches of the bank.
2
Wait for a decision
The application will be processed within one working day.

Prepare the required documents. A manager will contact you, elaborate details and arrange an appointment
3
Take out the loan
Once the application is approved, we will transfer the money you paid for purchase to the seller's bank account

Calculate your loan

Necessary amount
50 000 000
soum
from 1 million soum
to 100 million soum
Loan term
20
mo
from 1 month
to 36 month
Interest rate
26
%
from 26 %
to 30 %
Repayment type:
Insurance expenses:
Average monthly payment *:
... soum
Full cost of the loan *:
... soum
* The calculation is preliminary. The exact amount of the monthly payment will be determined by the bank based on the results of consideration of the application.
Annual interest rate:
...%
We are always on call
Our experts are ready to help you with any questions you may have. Contact us by phone or request a callback.
If you have any questions, our experts can help you.
+998 71 214-20-00
Single Call Center
Work schedule: 24/7
Mobile applications application provides users with access to a wide range of financial tools, including a handy calculator and functional services.

It also features online chat for contacting support.
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Online payments
Online payments
Online payments
You can pay for your purchase on the spot by HUMO PAY, QR code.
Available in Google PlayDownload to App Store
Mobile applications
Scan the QR-code with your smartphone for quick access to all bank services
QR code
Online payments
Online payments
Online payments
You can pay for your purchase on the spot by HUMO PAY, QR code.
Available in Google PlayDownload to App Store
Mobile applications
Scan the QR-code with your smartphone for quick access to all bank services
QR code
Main Show on map
Contacts
Single Call Center
Work schedule: 24/7
Helpline
Work schedule: MO-FR 09:00-18:00
Countering corruption
Work schedule: MO-FR 09:00-18:00
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