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«Ishonch» Microloan

A microloan is a convenient and affordable way to quickly get the right amount for any purpose.
  • from 35,99 %
    Interest rate
  • up to 36 months
    Credit term
  • up to 35 mln sum
    Loan amount
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«Ishonch» Microloan


Maximum amount For clients with overdue payments from 30 to 60 days in their credit history:
up to 12 months – up to 25.0 million soums;

up to 24 months – up to 30.0 million soums;

up to 36 months – up to 35.0 million soums.
For clients with overdue payments from 60 to 90 days in their credit history:
up to 12 months – up to 20.0 million soums;

up to 24 months – up to 25.0 million soums;

up to 36 months – up to 30.0 million soums.
Maximum term Up to 36 months, no grace period
Form of granting of a credit

on a sum of plastic card, opened in "ASIA ALLIANCE BANK" JSCB Form of granting of a credit

Interest rate For clients with overdue payments from 30 to 60 days in their credit history:
up to 12 months – 35.99%;
up to 24 months – 37.99%;
up to 36 months - 39.99%
For clients with overdue payments from 60 to 90 days in their credit history:
up to 12 months – 40.99%;
up to 24 months – 42.99%;
up to 36 months – 44.99%
Required documents

Identification document (passport, ID-card, residence permit, etc.);
• Documents ensuring loan repayment
• Certificate of self-employment;
• Conclusion of an independent appraisal organization on the valuation of collateral property
  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.

 Providing

Liquid collateral that satisfies the bank’s requirements for an amount of at least 125% of the loan amount.

   
Additional terms

• The separate net income of the borrower/co-borrower should not be less than 6 times the size of the MSP;
· 50% of the average monthly net income of the Borrower/Co-borrower must be sufficient to cover the maximum monthly payment on the microloan and the average monthly payment on existing loans/debts. If there is a co-borrower, 50% of the Borrower's average monthly net income must be sufficient to pay at least 50% of the maximum monthly loan payment;
• The number of overdue payments from 30 to 60 days should not exceed 3 times in the last 2 years, and the number of overdue payments from 60 to 90 days should not exceed 2 times in the last 2 years;
• The borrower must have a permanent official income in the form of wages;
• Compliance with the requirement that the debt burden does not exceed 50%;
• If there is a co-borrower, the borrower's debt burden should not exceed 70%.


Microloan agreement
Size: 184.30 KB
Format: pdf

General terms

Loan target
Microloan for any purpose
Loan amount
up to 35 mln sum
Interest rate
from 35,99 %
Credit term
up to 36 months
Loan processing method
bank branch
Grace period
No
Repayment method
Differentiated, Annuity
Frequency of payments
Monthly
Calculate your loan
The consumer loan calculator allows you to calculate the approximate amount of the overpayment for the term of using the loan, and the approximate amount of the monthly installment.
100000
sum
Enter amount of loan required
12
months
Select the planned loan term
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.
  • Interest rate
    ...%
  • Average monthly payment
    ... sum
  • Full cost of the loan
    ...%
Information sheet

We are happy to help you

Our consultants will help you solve any issue. Just give us a call or request a call back.

If you have questions about deposits, our consultants will answer them.
(+998 71) 231-60-00
Single Call Center
Work schedule: 24/7

The Alliance mobile application is equipped with interactive services and a calculator.

An online chat with the Bank's Support Service is also available.

FAQ

Make payments on loans at any time convenient for you
You don't have to go anywhere! The Alliance application will allow you to redeem it anywhere in the world, the main thing is that there is Internet! The payment process is as simple as possible.
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(+998 71) 231-60-67
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