Consumer loan is the loan issued to natural entities for the acquisition of goods, works and services required to satisfy their consumer needs.

Consumer loan is rendered to full age adults, able to function natural entities having permanent residence, stable income resulting from their activity, as well as to the people having other incomes sufficient to repay the loan and its interest rate during the fixed period.

Maximum loan amount must be from 150-multiple of the size of the minimum wage and should not exceed 500- multiple of the size of the minimum wage established by the date of credit application submission.

Term of the loan should not exceed 3 years with the interest rate from 18% to 22% per annum.

To receive the loan, the Borrower should submit to the Bank the following documents:

• Application for the requested loan.
• Passport or another document to certify the personality and residence of the Borrower;
• Reference from the employer in the fixed order certifying incomes of the Borrower or another document confirming the size of Borrower’s incomes or assets possessed by the Borrower;
• Documents ensuring repayment of the loan *;
• Notarized guarantee of credit amount repayment by the third party (natural entity) if the borrower appears to be unable to repay the loan;
• Reference from the taxation bodies on the availability of INT.

*The following may serve as credit collateral: pledge of property and securities, including mortgaging deposit, and other means envisaged by the legislation of the RUz.