Mahalla Loyihasi Business Loan — Up to UZS 3 Billion

For business Loans Mahalla Loyihasi

Mahalla Loyihasi

Up to UZS 3 billion for working capital and fixed assets

Grace period

up to 3 months

Term

up to 36 months

Amount

up to UZS 3,000,000,000

Submit application

About the loan

3 steps to get a loan

Submit your application

Fill out the online form

Provide the documents

Submit the required documents — our specialists will guide you on what’s needed

Receive the funds

Depending on the type of loan, receive your funds in cash or non-cash form

Submit application

Submit your application

Fill out the online form

Provide the documents

Submit the required documents — our specialists will guide you on what’s needed

Receive the funds

Depending on the type of loan, receive your funds in cash or non-cash form

Submit application

Useful to know

Collateral

For loans up to UZS 50 million

• Insurance against the risk of loan default
• Guarantee from a financially stable person

Also:

• no current overdue loans
• no overdue payments of more than 30 days during the past 12 months
• no overdue payments of more than 30 days on the most recently obtained loan
• no overdue payments of more than 60 days throughout the entire credit history

The borrower must also have a primary demand deposit account at the Ipak Yuli Bank branch where the financing is arranged.

For loans up to UZS 3 billion

The following may be accepted as collateral:

• real estate
• vehicles (passenger cars, special-purpose vehicles, trucks, buses, minibuses, and other vehicles)
• cash collateral
• jewelry, gold bullion bars, and gold coins issued by the Central Bank of the Republic of Uzbekistan

The total value of collateral must be at least 125% of the loan amount.

Required documents to get the service

• Application
• Financial documents
• Constituent documents
• Passport / ID card / TIN

Loan calculator

Necessary amount

1 000 000 UZS

For a period of months

12 Months

Interest rate

25 %

Loan repayment method

Collateral valuation expenses

Insurance expenses

Other

Date	Monthly payment	Debt balance	Percent	Main debt

The calculation is preliminary. The exact amount of payments will be determined by the bank based on the results of the application review.

Rate %

Term in months month

Insurance expenses 0 UZS

Collateral valuation expenses 0 UZS

Full Credit Value (FCV)* %

*FCV - expenses that the borrower pays for the period of lending.

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Questions and answers

The application is reviewed within up to 3 business days after submitting all required documents.

To replenish working capital and purchase fixed assets.

Yes, the grace period is up to 3 months.

The loan can be provided in cash or non-cash form.

Yes. The loan can be provided in either cash or non-cash form.

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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.