New restrictions have been introduced on the loan acquisition procedure

The Central Bank has introduced new requirements for obtaining credit in Uzbekistan. This was reported by Zamin.uz.

Podrobno.uz also reports on this. These changes are aimed at reducing the excessive debt burden on the population and limiting credit risks.

According to information provided by the bank, the Central Bank's management has made amendments to the regulations on macroprudential standards for banks, as well as on the maximum amounts of payments for loans and microfinance debts. This decision was registered by the Ministry of Justice on December 18, 2025, under number 3618-1.

One of the important updates was the introduction of the Debt-to-Income (DTI) ratio indicator. This indicator is calculated as the ratio of the principal loan amount to the borrower's average monthly income.

The new standard applies to consumer loans, microfinance loans, and credit cards, including overdrafts. However, loans granted to individual entrepreneurs and education loans are excluded from these requirements.

According to the new procedure, the maximum debt-to-income ratio is set as follows: if income is confirmed by official documents, the loan amount should not exceed eight times the average monthly income. If income is assessed based on alternative sources, the loan amount should not exceed five times the income.

The Central Bank emphasizes that these measures serve to reduce credit risks for the banking system and prevent excessive indebtedness among the population. Additionally, further changes and clarifications have been introduced to improve the regulation of the consumer lending sector.