BIZNES IPOTEKA krediti

1. The financial results report (Form 2) must have a positive balance.
   (Does not apply to entrepreneurs without the status of a legal entity).

2. Own working capital (NSOS) must be positive.
   (Does not apply to entities without the status of a legal entity).

3. The debt burden ratio (QYK) must not exceed 150%.

If the QYK exceeds 150%:

• A guarantee from a legal entity is mandatory.

• The number of guarantors is a maximum of 2.

• The total debt burden of the borrower and guarantors should not exceed 150%.

• The guarantee amount must be at least 125% of the credit amount.
  (If there are 2 guarantors, each guarantor provides a guarantee of 125%).

Limitations on liabilities

1. There should be no late payments on existing credits or similar operations.

2. There should be no late debts in affiliated enterprises in the system of JSC "Uzsanoatqurilishbank".

3. There should be no debts in the 2nd file.
   (The certificate is valid for 30 days from the date of application).

According to the data in the KATM database:

1. The borrower and affiliated enterprises should not have active credits in other commercial banks that are included in the following categories:

   • “Unsatisfactory”

   • “Doubtful”

   • “Hopeless”

Credit history over the past 60 months:

1. A maximum of 15 delinquencies over 30 days.

2. A maximum of 15 delinquencies over 30 days.

3. A maximum of 15 delinquencies over 30 days.

Within the last 12 months:

1. Change in the payment schedule (principal debt + interest) — no more than 3 times.

2. Extension of interim or final payment terms — no more than 2 times.

3. There should be no active credits with changed terms on the principal debt or interest.

4. The conditions established by the collegial bodies of the bank should not be violated.

5. There should be no cases of misuse of credit funds.
   (Determined based on the bank's internal monitoring. Exception: if the funds were not used and the supplier failed to fulfill its obligation and was transferred to the court).

Legal restrictions:

1. There must be no enforcement proceedings opened on the basis of the Compulsory Enforcement Bureau (MIB).

2. There must be no satisfied court claims on credit obligations within the last 3 years.
   (Except for individual entrepreneurs and cases where there is collateral).

1. Application for a credit

2. A letter of consent to receive a credit must be drawn up by the founders of the borrowing enterprise in accordance with current legislation
   (except for private enterprises and business entities that do not have the status of a legal entity).

3. A certificate confirming the registration of an individual entrepreneur and a copy of his passport
   (for entities that do not have legal status).

4. Balance sheet and financial results report (forms 1 and 2) for the last reporting period are submitted electronically via DSI
   (if received by the bank from the DSI database - submission is not required).

5. Quarterly balance sheet and financial report for the last quarter
   (in cases where the reporting period does not include the annual report - may be required).

6. Information on account movements in other banks, credit debts and the presence of card file No. 2.

7. A copy of the preliminary purchase and sale agreement for the object purchased with the credit funds.

8. Cadastral documents for the object to be purchased
   (real estate certificate and passport from the cadastre; other documents may be requested if necessary).

9. Report of an independent appraisal organization for the object to be purchased.

10. Business plan or feasibility study (TIA) - drawn up in accordance with the form specified in the product appendix
    (required if the credit amount exceeds 100,000 USD).

11. Other documents that may be requested by the bank depending on the feature of the project.