{"id":12430,"date":"2025-11-08T12:23:56","date_gmt":"2025-11-08T07:23:56","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/microloan-rates-are-decreasing-for-the-second-month-in-a-row\/"},"modified":"2025-11-08T12:23:56","modified_gmt":"2025-11-08T07:23:56","slug":"microloan-rates-are-decreasing-for-the-second-month-in-a-row","status":"publish","type":"post","link":"https:\/\/frank.uz\/en\/news-en\/microloan-rates-are-decreasing-for-the-second-month-in-a-row\/","title":{"rendered":"Microloan rates are decreasing for the second month in a row"},"content":{"rendered":"<h3>Why is this important<\/h3>\n<p>The reduction of microcredit rates from 35%+ to 32.7% is a relief for small businesses, borrowers, and a reduction in the debt burden. 32.7% are still high (2.3 times higher than the Central Bank&#8217;s 14% rate), but the trend is positive. Difference 40.6% (Anor Bank) \u2014 24.9% (Infinbank) \u2014 competition between banks. Car loans are stable at 24.3% \u2014 affordable financing for car purchases stimulates demand.   <\/p>\n<h3>What happened<\/h3>\n<ul>\n<li>The interest rate on microloans is 32.7%, decreasing for the second month;<\/li>\n<li>The leader is Anor Bank (40.6%), the lowest \u2014 Infinbank (24.9%);<\/li>\n<li>Car loans \u2014 24.3%, stable for several months;<\/li>\n<li>The leader is Universal Bank (30%), the lowest is Garant Bank (17.8%).<\/li>\n<\/ul>\n<h3>Microloans<\/h3>\n<ul>\n<li><strong>Average rate:<\/strong> 32.7% \u2014 decrease from 35%+ in July due to the strict policy of the Central Bank (rate 14%), tightening of regulation of MFO, competition of banks.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">TOP-5 most expensive:<\/span><\/p>\n<ul>\n<li>Anor Bank \u2014 40,6%;<\/li>\n<li>TBC Bank \u2014 40,0%;<\/li>\n<li>Tenge Bank \u2014 39,8%;<\/li>\n<li>Apex Bank \u2014 39,5%;<\/li>\n<li>Octobank \u2014 37,9%.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">TOP-5 cheapest:<\/span><\/p>\n<ul>\n<li>Infinbank \u2014 24,9%;<\/li>\n<li>BRB \u2014 25,5%;<\/li>\n<li>Trastbank \u2014 25,6%;<\/li>\n<li>OFB \u2014 26,1%;<\/li>\n<li>Aloqabank \u2014 26,3%.<\/li>\n<\/ul>\n<h3>Car loans<\/h3>\n<ul>\n<li><strong>Average rate:<\/strong> 24.3% \u2014 stable for several months, result of state support for car loans, competition of banks.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">TOP-5 most expensive:<\/span><\/p>\n<ul>\n<li>Universal Bank \u2014 30,0%;<\/li>\n<li>Madad Invest Bank \u2014 27,9%;<\/li>\n<li>SQB \u2014 27,4%;<\/li>\n<li>Trastbank \u2014 26,6%;<\/li>\n<li>Asia Alliance Bank \u2014 26,4%.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">TOP-5 cheapest:<\/span><\/p>\n<ul>\n<li>Garant Bank \u2014 17,8%;<\/li>\n<li>Infinbank \u2014 19,1%;<\/li>\n<li>Ipoteka Bank \u2014 19,7%;<\/li>\n<li>OFB \u2014 21,2%;<\/li>\n<li>BRB \u2014 22,3%.<\/li>\n<\/ul>\n<h3>Why are microloans decreasing<\/h3>\n<ul>\n<li><strong>Central Bank&#8217;s strict policy:<\/strong> 14% rate \u2014 banks are lowering loan interest rates to maintain competitiveness.<\/li>\n<li><strong>Regulation of MFO:<\/strong> The Central Bank is tightening requirements for MFO (capital, reserves, NPL), which reduces their ability to set high rates.<\/li>\n<li><strong>Competition:<\/strong> Banks compete for borrowers by lowering interest rates. Infinbank (24.9%) offers the lowest rates, selecting customers from Anor Bank (40.6%). <\/li>\n<\/ul>\n<h3>Why car loans are stable<\/h3>\n<ul>\n<li><strong>State support:<\/strong> preferential car loans (up to 5 billion for 18-22%) for businesses hiring graduates.<\/li>\n<li><strong>Competition:<\/strong> Banks compete for car loans, offering rates of 17.8-30%.<\/li>\n<li><strong>Demand:<\/strong> Income growth (+19% of salary) stimulates demand for car loans.<\/li>\n<\/ul>\n<h3>Dispersion of bets<\/h3>\n<ul>\n<li><strong>Microloans:<\/strong> 40.6% (Anor Bank) \u2014 24.9% (Infinbank) = 15.7 p.p. \u2014 huge disparity, shows the absence of a unified pricing policy, competition. <\/li>\n<li><strong>Car loans:<\/strong> 30% (Universal Bank) \u2014 17.8% (Garant Bank) = 12.2 p.p. \u2014 also a large spread. <\/li>\n<\/ul>\n<h3>Context<\/h3>\n<ul>\n<li><strong>32.7% \u2014 still high:<\/strong> 2.3 times higher than the Central Bank rate (14%). Microloans are riskier than deposits and require a high margin to cover defaults (NPL 5-10%). <\/li>\n<li><strong>Decrease \u2014 positive trend:<\/strong> from 35%+ to 32.7% \u2014 relief for small businesses, borrowers. Further reduction depends on the Central Bank&#8217;s policy, regulation, and competition. <\/li>\n<li><strong>Car loans 24.3%:<\/strong> available financing for car purchases. The average car price is $14,330, a 3-year loan at 24.3% \u2014 monthly payment of $500-600, available for middle class (salary $500-700). <\/li>\n<li><strong>Garant Bank is the leader in low rates: <\/strong>17.8% car loans, 32.9% microloans \u2014 a competitive advantage.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The average microloan rate fell to 32.7% \u2014 decreasing for the second consecutive month. The decrease in microloans is the result of the Central Bank&#8217;s strict policy, stricter regulation of MFO, and competition among banks. <\/p>\n","protected":false},"author":4,"featured_media":8095,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/11\/690f01c1f3e84.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":8095,"YlB8HH34jIzY":"Microloan rates are decreasing for the second month in a row"},"pin_until":"","footnotes":""},"categories":[2061],"tags":[3338,2212,2261,2079,2959],"class_list":["post-12430","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en","tag-auto-loans","tag-banks","tag-credits","tag-finance","tag-microloans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Microloan rates are decreasing for the second month in a row &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"The average microloan rate fell to 32.7% \u2014 decreasing for the second consecutive month. 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