- Account opening and maintenance
- Loans and guarantees
- Deposits
- Acceptance of payments
- Services and support
- Business support
YOSHLAR BIZNESDA krediti
KREDITLASHNING ASOSIY SHARTLARI
Mahsulotning maqsadi | Turizm sohasidagi loyihalarni moliyalashtirish: |
| Valyuta | Xorijiy valyuta (AQSh doll.) Milliy valyuta (So‘m) |
| Muddati | 60 oygacha |
| Foiz stavkasi | Xorijiy valyuta-yillik 11% dan
Milliy valyuta-yillik 22,5% dan |
Imtiyozli davr | 12 oy |
|
Miqdori | Xorijiy valyuta-750 ming AQSh dollarigacha Milliy valyuta-5 mlrd. so‘mgacha |
Mahsulot bo‘yicha ta'minot
| Kredit summasining 125% dan kam bo‘lmagan miqdorda |
Mulkiy garov* | Kredit summasining 115% dan kam bo‘lmagan miqdorda |
| Dastlabki mulkiy garov | Kreditning dastlabki likvidli ta'minoti kredit hisobiga sotib olinishi rejalashtirilgan uskunalar garovga taqdim etilishi rejalashtirilgan taqdirda, garov summasi kredit summasining 65%ni qoplash uchun yetarli bo‘lishi lozim |
Nomulkiy ta'minot | Uchinchi yuridik shaxslar kafilligi va/yoki kredit qaytarilmaslik xatari sug‘urta polisi va/yoki Tadbirkorlik faoliyatini qo‘llab-quvvatlash davlat jamg‘armasi kafilligi va/yoki boshqa turdagi ta'minotlar. |
Purpose of credit:
For the purpose of financing investment projects:
- Purchase of buildings and structures;
- Purchase of equipment and technological equipment;
- Purchase of furniture and inventory equipment;
- Purchase of special equipment;
- Purchase of vehicles related to investment activities. To replenish working capital
Currency;
national currency (sum)
Credit term:
To replenish working capital – up to 18 months;
To purchase fixed assets – up to 36 months;
Interest rate:*
24%
Grace period:
24 monthsThe amount of credit:
Up to the equivalent of 2.0 million US dollars
Credit collateral:
In investment projects, the initial permanent real estate collateral should not be less than 70% of the credit amount, and for the remaining part of the credit (55%), collateral should be provided for fixed assets purchased on credit and fixed assets purchased by the project initiator at the expense of its own funds within the framework of the project. Before these objects are provided as collateral, an insurance policy of a financially stable insurance company or a guarantee of a legal entity is provided. In cases where this condition is not met, the amount of property collateral should not be less than 125% of the credit amount;
Permitted types of property collateral:
Real estate, based on the requirements established by the bank (residential properties, light-structured shops located in the market area, poultry and greenhouse complexes, and stations are not accepted as collateral);
Autotransportation - no more than 5 years old (where the year of manufacture in the calculation process is considered the first year);
Cash (in the currency of the credit).
Permitted types of non-property collateral:
Credit default insurance policy;
Third party guarantee;
Additional conditions:
It is prohibited to provide credits as a guarantor to enterprises in which bank employees and their close relatives (parents, brothers, sisters, sons, daughters, husbands and wives, as well as parents, brothers, sisters and children of spouses) participate (founded) or are managed, as well as under the guaranty of enterprises in which the above persons participate (managed)
2. Application,
3. Consent of the founders of the borrowing enterprise to obtain credit, formalized in accordance with the procedure established by current legislation (with the exception of private enterprises and business entities operating without the status of a legal entity);
4. Copy of individual entrepreneur certificate and passport;
5. Balance sheet and financial statement of the borrowing enterprise (submitted to the relevant institution in electronic form) for the last reporting period (except for cases where forms 1 and 2 are obtained electronically from the database by the bank);
6. A quarterly balance sheet and financial results report for the last period may be submitted (in cases where the financial period does not cover this period, a balance sheet and financial results report prepared promptly);
7. Information on account turnover in other banks (in cases where the main account is in another bank, card-2 debt);
8. Report of an independent appraisal organization on the collateral object;
9. Cadastral document (extract and cadastral passport) if the collateral is real estate, as well as a lease agreement if the right to the land plot is leased;
10. In the case of autotransportations and special equipment as collateral, a certificate of registration of the transportation (technical passport, technical certificate);
11. Consent of the founders of the third party (enterprise) pledging the property to pledge the property as collateral for the credit;
12. Constituent documents of the third-party enterprise pledging the property (if the enterprise is serviced by another bank);
13. A copy of the passport of the third individual pledging the property, a copy of the passport of the director and chief accountant of the third legal entity (if available) (if the enterprise is serviced by another bank);
14. A lease agreement for the place of business, confirmed by the cadastre or e-lease, with a term of not less than 6 months, must be submitted, as well as cases where e-lease registration is not possible and outsourcing service enterprises are excluded.
15. When a guarantee is provided as credit provision:
- consent of the founders of the guarantor enterprise to provide a guarantee;
- the balance sheet and financial results report of the guarantor enterprise for the last reporting period (submitted in electronic form to the relevant DSI) (except for cases where forms 1 and 2 are received electronically by the bank from the DSI database);
- constituent documents of the guarantor enterprise (if the enterprise is serviced by another bank);
- a copy of the passport of the director and chief accountant of the guarantor enterprise (if any) (if the enterprise is serviced by another bank);
- information on the account turnover of the guarantor enterprise in other banks;
16. Other documents may be required depending on the project characteristics.Last updated date: 09.09.2025 16:33
