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 |
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Maximum term |
up to 12 months |
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Issue form |
on a soum plastic card, opened at "ASIA ALLIANCE BANK"
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Interest rate |
up to 12 months – 27.99%
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Required documents |
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.
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Providing |
• 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 |
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Maximum term |
up to 60 months |
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Form of granting of a credit |
- on a sum of plastic card, opened in "ASIA ALLIANCE BANK" JSCB |
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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; |
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Required documents |
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.
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Providing |
• 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
Maximum amount |
up to 100 million sum |
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Maximum term |
up to 60 months |
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Form of granting of a credit |
on a sum of plastic card, opened in "ASIA ALLIANCE BANK" JSCB |
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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;
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Required documents |
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. |
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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. |
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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% |
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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. |
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Providing |
Liquid collateral that satisfies the bank’s requirements for an amount of at least 125% of the loan amount. |
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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%. |
General terms
Terms and Conditions
Microloans are provided to individuals who have a steady income, sufficient for monthly debt servicing on a microloan.
- 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.
We are happy to help you
Our consultants will help you solve any issue. Just give us a call or request a call back.
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An online chat with the Bank's Support Service is also available.