Rule 1: payments no more than 50% of income
This is DSTI: the share of income that goes to all loan payments combined. Under CBU rules, since 1 January 2025 it can't exceed 50%.
Example. Income is 8 mln UZS and you already pay 1 mln. The ceiling is 4 mln a month across all loans, so a new loan can have a payment of up to 3 mln.
Rule 2: debt no more than 8 incomes
Since 1 March 2026, total principal on consumer loans and microloans can't exceed 8 monthly incomes if income is verified (certificate, statement), and 5 if it isn't. Education loans and loans to sole proprietors don't count toward this limit.
Example. Income is 5 mln with no certificate, and you already owe 20 mln on a microloan. The ceiling is 25 mln, so you can borrow up to 5 mln more, even if the payment rule would allow more.
What this means
- A bank looks at both rules, and the stricter one limits the amount.
- Verified income raises the debt limit from 5 to 8 incomes.
- Repaying part of an old debt early is the fastest way to free up your limit. The early repayment calculator shows how much you'll save.
- Even if you pass the rules, leave a margin: Moliq recommends keeping at least 10% of income after all payments.
Sources: Central Bank of the Republic of Uzbekistan. This isn't financial or legal advice: confirm terms and rules with the bank and on official websites.