Credits

A microloan is a convenient and affordable way to quickly get the right amount for any purpose. This modern tool allows people to get out of the difficult financial situation, when they suddenly need a small amount of money for unforeseen expenses related to the need to repair something, pay for schooling, treatment, bills, purchase a ticket, furniture, equipment, or to repay urgently a debt.
The issuance of a microloan by the Bank is made in a non-cash form by crediting funds to a plastic card.

Microloans are provided to individuals who have a steady income, sufficient for monthly debt servicing on a microloan.

«Fursat» Microloan

Maximum amount

up to 100 million sum

Maximum term

up to 12 months

Issue form

on a soum plastic card, opened at "ASIA ALLIANCE BANK"

Interest rate

up to 12 months – 27.99%

Required documents

• Identification document (passport, identity card, residence permit, etc.);
• Documents ensuring loan repayment

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

• Loan amount up to 25,000,000.0 soum - 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;

• Loan amount over 25,000,000.0 to 100,000.0 soum is liquid collateral that satisfies the bank’s requirements for an amount of at least 125% of the loan amount.

«Imkon» Microloan

Maximum amount

up to 100 million sum

Maximum term

up to 60 months

Form of granting of a credit

- on a sum of plastic card, opened in "ASIA ALLIANCE BANK" JSCB

Interest rate

up to 36 months - 32,00% per annum;

up to 48 months - 32,50% per annum;

up to 60 months - 33,00% per annum;

Required documents

• Identification document (passport, identity card, residence permit, etc.);
• Documents ensuring loan repayment

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

• Loan amount up to 25,000,000.0 soum - 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;

• Loan amount over 25,000,000.0 to 100,000.0 soum is liquid collateral that satisfies the bank’s requirements for an amount of at least 125% of the loan amount.

«Avto Lombard» Microloan

This microloan is provided to individuals who do not have a regular salary income.

Maximum amount

up to 100 million sum

Maximum term

up to 60 months

Form of granting of a credit

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

Interest rate

up to 12 months - 27,99% per annum;

up to 36 months - 32,00% per annum;

up to 48 months - 32,50% per annum;

up to 60 months - 33,00% per annum;

Required documents

Identification document (passport, identity 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.

«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

For reference: minimal salary is presently - 340 000 UZS

General terms

Interest rate

from 27,99 %

Loan amount

up to 100 million sum

Loan target

Microloan for any purpose

Frequency of payments

Monthly

Repayment method

Differentiated, Annuity

Credit term

up to 60 months

Loan processing method

bank branch

Grace period

No

Loan calculator

It is very convenient to use the credit calculator on the site before you decide to apply to the bank for a loan. On the site, by increasing or decreasing the loan term, you can choose the best option for yourself based on the funds that you have to make a monthly installment.

How to get a loan?

1

Fill out an application

The process of obtaining a loan begins with the submission of an application - online or in one of the bank branches.

Submit an application

2

Wait for a decision

The application will be reviewed within one business day.

Prepare the necessary documents. The manager will contact you, clarify the details and arrange a meeting.

3

Get a loan

After the application is approved, we will transfer the money for your purchase to the seller's account

Microloans are provided to individuals who have a steady income, sufficient for monthly debt servicing on a microloan.

Required documents for obtaining a loan:

an identity document (passport, residence permit, etc.);
a certificate of wages and other payments equivalent to it for the last 12 months, indicating information about the withheld taxes and deductions or other documents confirming existence of stable income in cash;
documents for securing return of a microloan.

The Bank reserves the right to request additional documents for the most complete analysis of the borrower's solvency.