Individually determined
Maximum amount of credit
Up to 36 months
Credit term
UZS, USD, EUR
Credit currency
Up to 26 %
Credit rate in national currency
Up to 14 %
Credit rate in foreign currency
Individually determined
Grace period
Purpose of credit:
use of any type of credit products available at the Bank within the credit limit
Currency:
Sum, US dollar, evro
Credit term:
Up to 36 months
Interest rate:
Determined based on the feature of the project
- In national currency: 24%-26% per annum
- In foreign curency: 12%-14% per annum
Grace period:
determined based on the characteristics of each project
Credit amount:
The limit is determined based on the customer's credit rating based on scoring. The amount of other products used within the limit is determined as specified in the terms of these products.
Credit collateral:
must provide at least 125% of the loan amount (130% for persons related to the bank)
Type of collateral:
- real estate, autotransportations, special equipment, property rights, precious metals, securities, finished products in warehouses and other property belonging to the property category;
- guarantees of corporate clients, insurance policies, guarantees of JSC "Entrepreneurship Development Company"
1. Application
2. The Client's constituent documents and the latest amendments thereto.
3. The balance sheet (form 1), the report on financial results (form 2), the distribution of receivables and payables for the last reporting period submitted by the Client to the relevant state tax inspectorate.
4. Information on the turnover and balances of accounts in other banks (all accounts, including credit and card accounts) for the last one year (if any).
5. Consent of the Client's authorized body to obtain a loan, formalized in accordance with the procedure established by current legislation.
6. Documents confirming the authority of the authorized head acting on behalf of the debtor on the basis of the charter/regulations or a proxy acting on his behalf to sign a loan agreement (order, power of attorney, etc.)
7. A copy of the contracts concluded with the Buyer for the supply of products. In this case, in the case of participation of companies (counterparty) registered in the Russian Federation, Belarus and the Republic of Iran as a party to the contracts for the purchased goods or services, a positive conclusion from international law firms with Tier/Band 1 level in international legal ratings and Chambers & Partners, Legal 500 and IFLR 1000 ratings must be provided. (can be provided after the loan agreement is formalized)
8. Conclusion of an accredited international consulting company or the State Enterprise “Center for Comprehensive Expertise of Projects and Import Contracts” on the compliance of the price of the purchased fixed assets with the world market conditions.
9. Technical and economic justification for the allocation of a loan approved in the prescribed manner.
10. Environmental conclusion in cases where the project falls into the category of projects requiring environmental expertise.
11. If construction work is planned to be carried out at the expense of the loan, then:
a. construction architectural planning assignment
b. construction estimate
v. estimate examination
