➡️ 1. A preferential educational loan is allocated to women without interest, and to men at the base rate of the Central Bank (13.5%).

➡️ 2. An educational loan is allocated to students of state and non-state higher education institutions operating in the territory of the Republic of Uzbekistan.

➡️ 3. An educational loan is allocated only to full-time students from the current year.

➡️ 4. In the case of low grades (average below "3") of students from the second year of the current year, an educational loan is allocated in the amount of 80% of the maximum payment agreement.

➡️ 5. If the base rate of the Central Bank of the educational loan decreases, the loan interest rate also decreases. If the base rate increases, the loan interest rate does not change (i.e. does not increase).

➡️ 6. An educational loan can be obtained every year.

➡️ 7. Students admitted to study on the basis of a “super contract” will not be granted a preferential educational loan.

➡️ 8. A preferential educational loan will be granted for a period of 7 years, starting from the 7th month after the end of formal studies. For example, if a student is in the 1st year, he can repay the loan within 11 years and 7 months.

➡️ 9. A pledge and surety are not required for educational loans granted to children of families included in the “Unified Register of Social Protection”

➡️ 10. Starting from the 2024/2025 academic year, applications for educational loans will be submitted through the “Educational Loan” information system (talim-krediti.mf.uz) and my.gov.uz.