Bank loan rates (as of 9 November): microloans from 21.9% to 39.9%, mortgages from 18.7% to 26.0%
According to a message on a Telegram channel, based on Central Bank data, average rates on loans issued in the last 10 working days are: microloans 27.5%, car loans 21.8%, mortgages 21.7%. The gap between banks for the same type of loan ranges from 7.3 to 18.0 percentage points.
According to a message on a Telegram channel, the Central Bank has published new data on loans by bank. Below are the average rates on loans issued in the last 10 working days as of 9 November 2026. The full list of banks is given in images in the channel's message; here only the lowest and highest rates from the text are shown.
Average rates and range
| Type of loan | Average rate | Lowest | Highest | Width of range, percentage points (author's calculation) |
|---|---|---|---|---|
| Microloans | 27.5% | 21.9% | 39.9% | 18.0 |
| Car loans | 21.8% | 18.3% | 25.8% | 7.5 |
| Mortgage loans | 21.7% | 18.7% | 26.0% | 7.3 |
| For buying fixed assets (legal entities) | 22.6% | 16.0% | 26.0% | 10.0 |
| For working capital (legal entities) | 22.9% | 20.5% | 33.0% | 12.5 |
Banks with the lowest and highest rates
### Microloans
| Bank | Rate | Group |
|---|---|---|
| Mikrokreditbank | 21.9% | Lowest |
| Asakabank | 22.2% | Lowest |
| SQB | 24.0% | Lowest |
| Infinbank | 24.0% | Lowest |
| Asia Alliance bank | 24.2% | Lowest |
| AVO bank | 39.9% | Highest |
| TBC bank | 39.2% | Highest |
| Uzum bank | 38.0% | Highest |
### Car loans
| Bank | Rate | Group |
|---|---|---|
| Ipoteka bank | 18.3% | Lowest |
| Apex bank | 18.3% | Lowest |
| Asakabank | 18.4% | Lowest |
| BRB | 18.5% | Lowest |
| Aloqabank | 18.6% | Lowest |
| Hamkorbank | 25.8% | Highest |
| Davr bank | 25.4% | Highest |
| Garant bank | 24.5% | Highest |
### Mortgage loans
| Bank | Rate | Group |
|---|---|---|
| Asakabank | 18.7% | Lowest |
| Octobank | 19.8% | Lowest |
| OFB | 20.2% | Lowest |
| BRB | 20.8% | Lowest |
| SQB | 20.8% | Lowest |
| Asia Alliance bank | 26.0% | Highest |
| Apex bank | 25.0% | Highest |
| Ipak Yo'li banki | 24.6% | Highest |
### For buying fixed assets (legal entities)
| Bank | Rate | Group |
|---|---|---|
| Infinbank | 16.0% | Lowest |
| Turonbank | 18.0% | Lowest |
| Ipoteka bank | 19.5% | Lowest |
| Xalq banki | 20.7% | Lowest |
| Mikrokreditbank | 21.0% | Lowest |
| Tenge bank | 26.0% | Highest |
| BRB | 24.5% | Highest |
| Davr bank | 24.3% | Highest |
### For working capital (legal entities)
| Bank | Rate | Group |
|---|---|---|
| Ipak Yo'li banki | 20.5% | Lowest |
| Milliy bank | 20.8% | Lowest |
| Aloqabank | 20.9% | Lowest |
| OFB | 21.0% | Lowest |
| Apex bank | 21.3% | Lowest |
| Tayanch bank | 33.0% | Highest |
| TBC bank | 31.3% | Highest |
| Tenge bank | 29.4% | Highest |
What do the numbers show?
The observations below were made by the author from the published figures:
- The widest range is for microloans: 18.0 percentage points (from 21.9% to 39.9%); the narrowest is for mortgages: 7.3 percentage points.
- The highest average rate is for microloans (27.5%) and the lowest for mortgages (21.7%).
- The same bank ranks differently on different loans:
- Asakabank is among the five lowest rates on microloans, car loans and mortgages.
- Apex bank is among the five lowest on car loans and working-capital loans, but among the three highest on mortgages.
- TBC bank is among the three highest on microloans and working-capital loans.
Note
The figures in the table are averages: if 22% is shown, it does not mean you will be given a loan at exactly 22%. According to the message, banks may offer low rates on microloans and car loans for favourable terms, so the actual rate may differ. The message does not state whether the rates are annual or the loan terms. The channel advises: ask a bank representative for the rate and the full cost of the loan, then decide.
Official source
For information only; check the official text at the source.