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«Collateral» Microloan

A Microloan «Collateral» is provided to self-employed individuals who provide liquid assets as collateral that meets the bank's requirements.

  • from 27,99 %
    Interest rate
  • up to 60 months
    Credit term
  • up to 100 mln sum
    Loan amount
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A microloan is a convenient and affordable way to quickly get the required amount for any purpose. This modern tool allows people to get out of a difficult financial situation who suddenly need a small amount of money for unforeseen expenses related to the need to repair something, pay for education, treatment, bills, buy a travel package, furniture, equipment or urgently pay off a debt.
The Bank issues a microloan in non-cash form by crediting funds to a plastic card.

A microloan is provided to individuals with a stable income sufficient to pay off monthly loan payments, as well as to self-employed individuals who provide liquid assets as collateral that meets the bank's requirements. 

A Microloan «Collateral»  is provided to self-employed individuals who provide liquid assets as collateral that meets the bank's requirements.

Type and name of credit product                                                        Microloan «Collateral»
Requirements for the borrower / co-borrower

An individual who is a resident of the Republic of Uzbekistan and has reached the age of 18

Currency microloan The national currency of the Republic of Uzbekistan is the sum
Microloan amount Up to 100.0 million sum
Purpose of microloan For any needs (at the discretion of the borrower)
Microloan term : No grace period, up to 60 months
Form of submission

Transfer of funds to the borrower's plastic card opened in JSCB "ASIA ALLIANCE BANK"

Interest rate: Up to 12 months - 27.99%;
Up to 36 months - 32.00%;
Up to 48 months - 32.50%;
Up to 60 months - 33.00%.
Microloan security


For self-employed individuals:
· for microloans in the amount of up to 100,000,000.0 (one hundred million) sum - collateral in the amount of at least 125% of the microloan amount in the form of liquid assets that meet the bank's requirements.

Required documents:

A) Identity document (passport, ID card, residence permit, etc.);
B) Documents ensuring repayment of the loan;
D) Certificate of self-employment;
E) A report from an independent appraisal organization on the market value of the collateral;
F) Protocol of initial monitoring of collateral with photographs (drawn up by bank employees).
Information on the borrower's average monthly income will be received by the bank through special networks in electronic format. For this purpose, income information will be taken into account for at least the last 6 months. If it is impossible to obtain data on the borrower's average income, documents confirming monthly income and other sources of income may be requested.

Microloan repayment procedure

The repayment of the microloan and accrued interest is carried out in accordance with the terms of the loan agreement and can be made using annuity or differentiated payments.

Additional terms

The individual net income of the borrower/ co-borrower must not be less than 6 times the BCV; 

This loan is not provided to individuals with a permanent official income.

Microloan agreement
Size: 184.30 KB
Format: pdf

General terms

Loan target
Microloan for any purpose
Loan amount
up to 100 mln sum
Interest rate
from 27,99 %
Credit term
up to 60 months
Loan processing method
bank branch
Grace period
No
Repayment method
Differentiated, Annuity
Frequency of payments
Monthly
Calculate your loan
The consumer loan calculator allows you to calculate the approximate amount of the overpayment for the term of using the loan, and the approximate amount of the monthly installment.
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Enter amount of loan required
12
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Select the planned loan term
The calculation is preliminary.
The exact amount of the monthly payment will be determined by the bank based on the results of consideration of the application.
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  • Average monthly payment
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Information sheet
requirement_image

Terms and Conditions

Microloans are provided to individuals who have a steady income, sufficient for monthly debt servicing on a microloan.

Required documents for obtaining a loan:
  • 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.
The Bank reserves the right to request additional documents for the most complete analysis of the borrower's solvency.

We are happy to help you

Our consultants will help you solve any issue. Just give us a call or request a call back.

If you have questions about deposits, our consultants will answer them.
(+998 71) 231-60-00
Single Call Center
Work schedule: 24/7

The Alliance mobile application is equipped with interactive services and a calculator.

An online chat with the Bank's Support Service is also available.

FAQ

Make payments on loans at any time convenient for you
You don't have to go anywhere! The Alliance application will allow you to redeem it anywhere in the world, the main thing is that there is Internet! The payment process is as simple as possible.
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