We are pleased to inform you that the credit line of the JSCB "ASIA ALLIANCE BANK" has been enriched with a new proposal - consumer loan "SUPERCONTRAСT" for applicants and students.

This loan product provides a unique opportunity for students to get education in higher educational institutions of the Republic of Uzbekistan at higher contract rates, as well as students with the education in correspondence departments of higher educational institutions of the Republic of Uzbekistan on a fee-based contract.


Type and name of loan product

Consumer loan “SUPERCONTRACT”

Limit for product

Total limit - unlimited

Requirements for borrow/co-borrower

The applicant/student or its family members, aged 18 to 65 years old:

·having permanent residence in Tashkent, Tashkent region (when issuing loans by the Head office and operating department of the JSCB "ASIA ALLIANCE BANK", as well as by branches located in Tashkent, Tashkent region);

·having permanent residence in the regions where the branches of the JSCB "ASIA ALLIANCE BANK" are located (when issuing loans by the regional branches of the JSCB "ASIA ALLIANCE BANK").

·not having overdue loans (microloans, overdrafts) received from credit institutions, as well as a negative credit history.

Loan currency

National currency of the Republic of Uzbekistan – UZS

Amount of currency

The amount not exceeding 300 times the minimum earnings in national currency (ME)

Purpose of loan

For payment of education in higher educational institutions of the Republic of Uzbekistan under the higher contract rates as well as education in correspondence departments of the Republic of Uzbekistan on a fee-based contract


Up to 36 months without grace period

Form of presentation

by transferring funds under the contract to the account of the higher education institution

Interest rate

up to18 months - 18%

from 18 months to 24 months - 19%

from 24 months to 36 months - 20%

Required documents

A) identity document (passport, residence permit, etc.);

B) contract for study on a fee-based contract at the increased contract rate which party is the Borrower, specifying the study period and the amount of payment;

C) document confirming the borrower's income:

·for employees - certificate of salary and other equivalent payments for the last 12 months with information on withheld taxes and deductions. Provision of a salary certificate is not required for individuals – the employees of corporate clients of the Bank who have concluded a Service Agreement with the Bank within the framework of the salary project, as well as for employees of the Bank;

·other documents and certificates confirming the existence of stable income in cash (income statement of the borrower for the last 12 months, confirmed by the state tax service at the place of residence, part-time work, permanent income from investments in securities, interest on long-term deposits, etc.);

D) document confirming the relationship (if the loan is obtained by a family member of the applicant);

E) documents to ensure the repayment of the loan.

Loan security

·pledge of liquid assets and other types of collateral not prohibited by law and Credit policy.

Plan of redemption

Repayment of the loan and accrued interest shall be made by annuity payments in the manner and under the conditions specified in the loan agreement.

Partial and full early repayment is possible on any date on the basis of a written application of the Borrower. At the same time, interest is charged only during the use of the loan.

Additional conditions

70% of permanent average monthly income of the borrower / co-borrower/s/guarantor should not be less than the amount of the principal debt and interest payments payable under the schedule of payments of the borrower on a monthly basis.