Secured microloan for public sector employees
Secured Microloan for Public Servants
Microloan calculator
More about microloan
Secured Microloan for Public Servants
Preferential lending for employees of state and budget-funded organizations.
Getting the required amount is now easier — with a lower interest rate, minimal paperwork, and quick approval.
Key Aspects
• The microloan is available exclusively for state and budget-sector employees
• Can be used for any personal purpose: home renovation, furniture purchase, or upgrading appliances
• Available at any Ipak Yuli Bank branch or online at ipakyulibank.uz
Loan Conditions
• Loan amount: up to 100,000,000 UZS
• Term: up to 60 months
• Interest rate:
– 20.9% per annum — for up to 12 months
– 20.9% per annum — for up to 36 months
– 22.9% per annum — for up to 60 months
• Repayment method: annuity or differentiated
• Collateral: real estate, vehicles, jewelry, or cash
• Currency: UZS
• Additional client expenses:
– Collateral insurance — 1,250,000 UZS
– Notary / collateral evaluation service
– Contract revision (if required) — from 1 to 5 times the BRV
• Application review time: within 3 business days
• Client requirements: official employment in a state or budget-funded organization
Required Documents
• Passport or ID card
• Documents confirming ownership of the pledged property
Key Advantages
• Preferential rate — reduced interest rate for government employees
• Simple process — minimum documents and fast approval
• Flexible terms — a microloan for up to 60 months for any purpose: home renovation, furniture, or appliances
• Quick decision — applications reviewed within 3 business days
How the Microloan Works
• Submit your application — in a branch or online
• Provide all required documents and collateral details
• Wait for approval (within 3 business days)
• Sign the agreement and receive your funds
Why It’s Beneficial
• Reduced interest rate
• Transparent terms with no hidden fees
• Convenient repayment through the mobile app or auto-debit
• A reliable partner — Ipak Yuli Bank supports your plans for growth and confidence in the future
How to get a microloan?
Online loan application
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Frequently asked questions
For any personal purpose — home repairs, medical expenses, education, purchasing electronics, furniture, or other needs.
Real estate, vehicles, jewelry, cash, or other assets approved by the bank can be accepted as collateral.
No, a guarantor is not required for a secured microloan.
The secured microloan can be issued for up to 60 months.
Up to 100 million UZS — the amount is determined individually, based on collateral value and client’s income.
A passport or ID card, and documents confirming ownership of the pledged property.
Usually, the decision is made within 3 business days after submitting all required documents.
After signing the loan agreement, the funds are transferred to the client’s account at Ipak Yuli Bank.
Yes, early repayment is allowed. The conditions can be clarified when signing the agreement.
• In the Ipak Yuli Mobile app
• At any bank branch
• Via terminals or ADMs (automated deposit machines)
A penalty will be charged according to the loan agreement, and the client’s credit history may be negatively affected.
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