Outstanding household loans from banks grew 18.8% over the past year. The Central Bank reported that most of this debt is going toward home purchases.
As of August 1, 2026, total loans issued to individuals reached 239.8 trillion soums (about $20.3 billion). Debt levels rose by 37.93 trillion soums (about $3.2 billion), or 18.8%, over the past year.
Mortgage loans account for the largest share of household debt, at 88.14 trillion soums (about $7.5 billion) — up 14.1 trillion soums (about $1.2 billion), or 19%, from the same period in 2025.
According to the data, outstanding microcredit loans held by individuals reached 46.74 trillion soums (about $4 billion). These loans, capped at 300 million soums (about $25,400), are extended to entrepreneurs and the self-employed. The remaining loan categories and their year-on-year changes were as follows:
- Microloans — 51.14 trillion soums (about $4.3 billion), down 19.2% year-on-year
- Auto loans — 40.5 trillion soums (about $3.4 billion), up 8.6%
- Education loans — 6.84 trillion soums (about $580 million), up 17%
Consumer loans, meanwhile, totaled 508 billion soums (about $43 million), while other forms of debt — including credit cards and overdrafts — amounted to 5.91 billion soums (about $500,000).
In an earlier analysis, the Central Bank found that 29% of bank borrowers held more than one loan.
