To date, our bank provides online microloans (in test mode). Please be advised that no additional commission fees are charged to the client during the process of providing an online microloan. The insurance premium is covered by a portion of the loan interest rate. Upon full early repayment of this loan, the accrual of interest is suspended, preventing unnecessary insurance expenses from the client.
Also, the procedure for returning the insurance premium for the unused portion of insurance contracts executed under other retail credit products is regulated in accordance with the terms of the contract concluded between the client and the insurance organization they have independently selected. The conditions for returning (or not returning) the insurance premium, the required documents, and the deadlines are determined directly in this insurance contract.
After all, in accordance with Article 354 of the Civil Code of the Republic of Uzbekistan, citizens and legal entities are free to conclude contracts.
