Credits

Credit card

from 27,99%

Interest rate

up to 60 months

Credit term

up to 100 million sum

Loan amount

Credit card - is a bank card that can be used for non -cash payment of goods and services at the expense of bank credit funds.

A credit card, just like a debit card, can be used to pay anywhere (shops, cafes, restaurants, etc.), you can pay for any goods, works or services. You can withdraw cash from a credit card, convert money into foreign currency, and also use it for online payments. Interest will only accrue on funds actually used and not on the credit card's allowed limit.

The credit card limit is renewable, which means that part of the loan repaid by the borrower can be borrowed again.

“Qulay Hamyon” Credit card

Maximum limit amount	up to 100 million sum
Maximum term	up to 60 months
Grace period for credit card limit reduction	up to 12 months
Requirements for the Borrower	An individual who is a resident of the Republic of Uzbekistan and has reached the age of 18.
Issuance form	to a sum plastic card, open in JSCB "ASIA ALLIANCE BANK"
Interest rate	up to 12 months - 27,99% up to 36 months - 33,00% up to 48 months - 33,50% up to 60 months - 34,00%
Issue of the credit card	Free
Required documents	Identification document (passport, ID-card, residence permit, etc.) The bank independently receives information about the borrower’s average monthly income electronically through special networks. In this case, income information was calculated for at least the last 6 (six) months. If it is impossible to determine the Borrower's average monthly income, the Borrower may be required to provide documents confirming the average monthly income and other sources of income.
Security	• for a credit card issued for an amount up to 25,000,000.0 (twenty-five million) soums - a third party guarantee/insurance policy or other liquid security that satisfies the bank’s requirements for an amount of at least 125% of the loan amount; • for loans from 25,000,000.0 (twenty-five million) to 100,000,000.0 (one hundred million) soums - liquid collateral that meets the bank’s requirements in an amount of at least 125% of the loan amount.
Additional terms	• When applying for a credit card, a borrower wishing to receive a retail loan product must have a continuous work history of at least 6 (six) months at his last place of work; • The borrower's net income should not be less than 6 times the BDV; • 50% of the borrower's average monthly net income must be sufficient to cover the maximum monthly loan payment and the average monthly payment on existing loans/debts.