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Ipak Yuli Bank offers following types of loans to the citizens of the Republic of Uzbekistan:

Student loans are granted in local currency to students to pay for their higher education in the universities in Uzbekistan on a fee paid contractual basis.

The loan interest rate is equal to the refinancing rate of the Central Bank of the Republic of Uzbekistan.

As a rule, student loans are granted at the place of a borrower’s residence.

The Bank may accept the following loan security:

  • Property pledge;
  • Bank guarantee;
  • Third party indemnity.

The list of documents required for loan application:

  1. Passport of a borrower;
  2. Local municipal statement of a borrower’s residence;
  3. Borrower’s tax payee’s ID number confirmed by local tax inspection authorities;
  4. Student enrollment contract, concluded between a borrower and a university in Uzbekistan (an invoice shall be attached);
  5. Loan collateral documents.

Consumer loans are granted in local currency to purchase goods (services), produced in Uzbekistan, to meet consumer needs of the Uzbek citizens.

Borrowed funds can be used to purchase or pay for:

  • Furniture, interior furnishings, household appliances;
  • Motor vehicles;
  • Construction materials, construction works;
  • Air tickets, health resort and tourist vouchers;
  • Medical treatment;
  • Сeremonial event service;
  • Other purposes that are not prohibited by the Uzbek law.

Lending Terms and Conditions:

  • Maturity up to 3 years;
  • Loan amount may vary, depending on a borrower’s income and the provided loan security;
  • The loan interest rate may vary from 26% up to 28% per annum, depending on a borrower’s upfront cash deposit (an initial cash deposit).
  • A borrower’s initial cash deposit shall be preferred;
  • Loan issuance fee is up to 10 MWR.

The borrowed funds under consumer loan shall be transferred to a local producer or seller’s bank account.

It is not allowed to grant a consumer loan in cash.

The Bank may accept the following loan security:

  • Property pledge (motor vehicles, non-residential real estate);
  • Bank guarantee;
  • Third party indemnity.

The list of documents required for loan application:

  1. Passport of a borrower;
  2. Borrower’s earned income, confirmed by his/her employer;
  3. Local municipal statement of a borrower’s residence;
  4. Borrower’s tax payee’s ID number confirmed by local tax inspection authorities;
  5. Sale contract (a good/service quality compliance certificate shall be attached).
  6. Loan collateral documents.

Mortgage shall be granted for:

  • Building and reconstruction of individual residential real estate in compliance with adopted building standards and norms for an individual and standardized building project, duly approved as per the Uzbek law.

  • Buying an individual residential house or apartment in a residential apartment building.

Lending Terms and Conditions:

  • Loan amount and maturity may vary, depending on a borrower’s income, market value of a property to be bought, and credit risks related to this loan.

  • Interest rate shall be determined by the Bank Credit Committee’s decision.
  • A borrower’s upfront cash deposit (an initial cash deposit) may vary from 25% up to 50% of the property value;

  • The loan amount shall not exceed 75% of a property value;
  • Loan security shall be real estate to be acquired.

Mortgages shall be given local currency.