Credits

«Online» Microloan

from 25% to 38% per annum

Interest rate

up to 36 months

Credit term

up to 100 mln sum

Loan amount

General terms

Loan target

For any purpose (at the borrower's discretion)

Loan currency

Sum

Loan amount

up to 100 mln sum

Interest rate

from 25% to 38% per annum

Credit term

up to 36 months

Loan processing method

Mobile app

Form of issue

Non-cash

Collateral

No collateral

Grace period

Repayment method

Differentiated, Annuity

Frequency of payments

Monthly

Borrower requirements

An individual who is a citizen of the Republic of Uzbekistan, aged 21 or older but not older than 60 years.

Loan Provision Order

Transfer of funds to the borrower's plastic card opened with JSCB "Asia Alliance Bank"

Loan Service Fee

None

Additional Conditions

- An individual holding a UZS bank card account opened with Asia Alliance Bank for the monthly payment of salary or pension;
- The borrower must have a permanent and official source of income for the last 6 months;
- 50% of the borrower’s average monthly income must be sufficient to cover the average monthly payments on existing loans/credits together with the maximum monthly payment under the microloan being obtained;
- Microloans are not granted to individuals with overdue loans or outstanding interest arrears;
- The debt-to-income ratio must not exceed 8 times.

Early repayment

May be carried out at any time, in whole or in part, depending on the client's wishes.

Limit increase

None

Early limit closure

Possibly

Insurance

Insurance policy issued by the insurance company for borrower accident insurance coverage in the amount of 125% of the microloan amount (all expenses related to the insurance are covered by the Bank)

«Online» Microloan - a loan is provided to an individual who is a citizen of the Republic of Uzbekistan, who has reached the age of 21 and is not older than 60 years old and has a sum bank card account opened in “Asia Alliance Bank” JSCB for monthly payment of wages or pensions.