How to get and submit JShShIR for non-residents
How to become a client of Ipak Yuli Bank?
What is PINFL and why does a bank request it from a non-resident?
PINFL is a personal identification number of an individual. According to the instruction No. 3420 of the Central Bank of the Republic of Uzbekistan dated 08.02.2023 you need to provide your PINFL to use all services of the bank.
How to provide your PINFL to the bank?
- In Telegram, at the address @ipaksupport
- In the support chat of the bank's application - you can download the application from the link;
- To the bank branch where you opened the account.
How to get PINFL?
Foreign citizens can get their PINFL at the nearest passport office or at the State Services Center. To obtain a PINFL at the State Services Center, you only need to take your passport with you. To complete an application at the passport office, you need a passport and a document of temporary registration in the Republic of Uzbekistan. After applying, you will receive the PINFL within 2-4 working days.
It is not possible to obtain a PINFL online.
Advice
If you have applied for a PINFL but do not have time to pick it up in person at the State Services Center, you can send your relatives instead of yourself — but this requires a power of attorney.
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Important things to know about loans
What to consider when applying for a bank loan
Before taking a loan, evaluate the key parameters:
- Interest rate and total cost — compare not only the stated rate but also the total cost of credit (which includes all fees).
- Amount and term — borrow only what you need and for a comfortable period so that the payment does not exceed 40–50% of your income.
- Collateral — loans without collateral or a guarantor usually have higher rates but are easier to obtain.
- Disbursement and repayment method — managing your loan online via the mobile app is the most convenient.
Our specialists are always ready to help you calculate and choose the best option for your situation.
Main consequences of failing to repay a loan
Increase in outstanding debt: Penalties, late payment charges, and interest accrue on overdue amounts, increasing the total amount owed.
Enforcement against property and bank accounts: The bank has the right to recover outstanding debt from funds held in the borrower’s bank accounts and from their personal property through court proceedings or enforcement procedures. If the proceeds from the sale of the property are insufficient to cover the debt, the borrower remains responsible for the outstanding balance.
Liability of guarantors and pledgors: If the loan is secured by collateral or a guarantee, the obligation to repay the debt may extend to the guarantors or pledgors. They may subsequently claim reimbursement of the amounts paid from the principal borrower.
Restrictions on leaving the country: A debtor’s right to leave Uzbekistan may be temporarily restricted by a court decision or an order issued by a state enforcement officer.
- Negative impact on credit history: Information about overdue payments is reported to credit bureaus, which may make it difficult or impossible to obtain new loans or installment payment plans in the future.