The Central Bank has introduced new requirements for obtaining loans in Uzbekistan, according to a report by Podrobno.uz.
These changes are aimed at reducing credit risks and limiting the excessive debt burden on the population. According to the regulator, the Central Bank's board has approved amendments and additions to the regulations on macroprudential standards for banks, as well as the maximum amounts for payments on loans and microfinance debts.
This decision was registered with the Ministry of Justice on December 18, 2025, under the number 3618-1. One of the main innovations is the introduction of the Debt-to-Income (DTI) ratio.
This indicator is calculated as the ratio of the loan's principal amount to the borrower's average monthly income. The new standard applies to consumer loans, microfinance debts, and credit cards, including overdrafts.
However, it does not apply to loans provided to individual entrepreneurs or education loans. Under the established requirements, the maximum debt-to-income ratio is as follows: if income is confirmed by official documents, it must not exceed eight times the average monthly income; if alternative sources are used to assess income, it must not exceed five times the income.
The Central Bank emphasized that these measures aim to reduce credit risks for the banking system and prevent excessive indebtedness of the population. Additionally, other editorial adjustments and clarifications have been made to improve regulation in the consumer lending sector.
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