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Consumer loan

Update date:  11 May 2021, 16:17
  • Necessary amount:
  • Loan term:
  • Interest rate (%):
  • Insurance costs:
The calculation is preliminary. You will be provided with exact loan terms and conditions in one of the branches of the bank.
Monthly payment: ... sum

Financial consumer loan is a loan that is allocated to an individual receiving income as a result of his activity only for the purchase of goods (services) produced in Uzbekistan for the purpose of satisfying his consumer needs.

Financial consumer loans are allocated in the amount of up to 100 percent of the goods or services purchased. Goods, work or services that serve the needs of an individual can be an object of credit. Consumer credit is allocated in the amount up to 300 times the base calculation amount (BCA) by transferring money to the account of the supplier or service enterprise.

Allocation and repayment of financial consumer loan is carried out in the national currency – UZS.

Credit objectives and amounts:

No

Credit objective

The maximum amount of the loan

1.

For household appliances (all types of furniture, carpets, baths, sinks, curtains, etc.).

Up to 300 times of BCA

2.

For office equipment and household appliances (computer, TV, gas stove, air conditioner, oven, etc.)

Up to 200 times of BCA

3.

For the purchase of telephone and radio-hearing aids, various household items (dishes, souvenirs, crystal, etc.), all kinds of clothing, as well as for the rent of bridal gowns and other items

Up to 50 times of BCA

4.

For purchase of  jewelry

Up to 200 times of BCA

5.

To buy sports, fitness equipment

Up to 200 times of BCA

6.

To buy a wheelchair and other health rehabilitation equipment

Up to 200 times of BCA

7.

To buy motorcycles and bicycles

Up to 200 times of BCA

8

For distance learning and unpaid (stratified) contract payments

Up to 300 times of BCA

9.

For construction products (cement, slate, paving, gypsum board, plastic, aluminum profiles, gypsum, alabaster, lime, fittings, pipes, tiles, etc.)

Up to 300 times of BCA

10.

For finished construction products (iron gate, fence, door frames are made of wood, aluminum, plastic, etc)

Up to 300 times of BCA

11.

For decoration (repair) work of multi-storey apartments and own houses

Up to 300 times of BCA

12.

For services of unloading of gas, electricity, water to the apartment

Up to 300 times of BCA

13.

Treatment services (for treatment, dental surgery, etc.)

Up to 100 times of BCA

14.

For the purchase of travel or sanitation facilities (for travel abroad, for the purchase of all kinds of travel or sanitation facilities in the territory of Uzbekistan)

Up to 100 times of BCA

15.

For holding wedding ceremonies and other events (anniversaries, birthdays and other events)

Up to 300 times of BCA

16.

To buy airline and train tickets to travel abroad

Up to 50 times of BCA

17.

For study in special training courses (nursing, driving, bridal training, brewing, language learning courses, etc.) and for alternative service fees

Up to 50 times of BCA

18.

For payment of services of installation of methane, propan gas appliances on motor vehicles

Up to 100 times of BCA

19.

For repair of motor vehicles

Up to 50 times of BCA

20.

For other purposes not prohibited by law

Due to the cost of the goods (work, service) to be purchased, but in an amount not exceeding 300 times the BCA


Financial consumer credit is assigned an annual percentage rate of not less than:

The amount of the initial fee

Annual interest rate

Long-term (Up to 3 years)

1.

0%

26%


In order to create more convenience for the corporate clients of the bank, the employees of the corporate clients are allocated financial consumer loans on the following conditions

The amount of the initial fee

Annual interest rate

Long-term (Up to 3 years)

1.

0%

26%

Consumer credit agreement sample
Documents to be submitted for credit

The main condition of the loan:

• Credit is allocated to individuals with a permanent income;

• It is allocated to employees of enterprises and organizations that are corporate clients of turonbank.

Documents to be submitted for consumer credit:

  • a copy of the identity document of the borrower (if necessary together with the co-borrowers);
  • certificate of income;
  • if co-borrowers are required to formalize, then co-borrowers’ identity documents as well;
  • a copy of the document confirming the identity of the guarantor citizens and sources of income (the guarantee agreement of the corporate client as a loan provision for employees of corporate clients);
  •  the contract concluded between the producer and the selling (Service) Enterprise and the organizations and the client for the purchase of goods (works or services) is received and the original is returned);
  • documents on the type of collateral provided by the borrower for the provision of a consumer loan.

Documentation on collateral:

  • When the motor vehicle is taken as collateral: the passport of the hostage, the technical passport of the motor vehicle, the report of the independent assessment company;
  • In case of collateral of real estate: a certificate from the cadastre is required for notarization of the mortgagor's passport, Cadastral documents of Real Estate, a report from an independent appraisal company, as well as a pledge (mortgage) contract.
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