- Account opening and maintenance
- Loans and guarantees
- Deposits
- Acceptance of payments
- Services and support
- Business support
INVEST krediti
KREDITLASHNING ASOSIY SHARTLARI
Mahsulotning maqsadi |
- bino-inshootlar sotib olish uchun; - asbob-uskunalar sotib olish; - maxsus texnika vositalari sotib olish uchun; - investitsion faoliyati bilan bogʻliq avtotransport vositalari sotib olish uchun; - investitsion faoliyat bilan bogʻliq uzoq muddatli moddiy va nomoddiy aktivlar sotib olish; - kredit qoldigʻini sotib olish; |
Valyuta | Xorijiy valyuta (AQSh doll., Yevro, Rubl) Milliy valyuta (So‘m) |
Muddati |
Bank oʻz mablagʻlari hisobidan – 60 oygacha; Boshqa jalb qilingan mablagʻlar hisobidan - jalb qilingan mablagʻlar shartlariga asosan |
Foiz stavkasi |
Milliy valyutada - 24% dan boshlab Xorijiy valyutada - 11% dan boshlab |
Mahsulot bo‘yicha ta'minot |
Kredit summasining 125% dan kam bo‘lmagan miqdorda |
Mulkiy taʼminot |
Kredit summasining 115% dan kam bo‘lmagan miqdorda |
Dastlabki mulkiy garov |
Kredit summasining 65%dan kam boʻlmagan miqdorida; Bunda, kredit taʼminoti uchun taqdim etiladigan mulkiy garovning qolgan qismi, yaʼni kredit summasining qolgan 60%dan kam boʻlmagan garov obyekti kredit hisobiga sotib olinadigan asosiy vositalar mijoz nomiga rasmiylashtirilib, kredit taʼminoti sifatida garovga taqdim etiladi.(kredit yuklamasidan kelib chiqib, kredit hisobiga sotib olinadigan asosiy vositalar kredit summasining 50%dan kam boʻlmagan miqdorda kredit taʼminoti sifatida garovga olinishi mumkin) |
Nomulkiy ta'minot |
-uchinchi yuridik shaxs kafillig; -kredit qaytarilmaslik xatari sugʻurta polisi; -tadbirkorlik faoliyatini qoʻllab-quvvatlash davlat jamgʻarmasi kafilligi; -boshqa turdagi nomulkiy taʼminotlar |
Purpose of credit:
Currency:
national currency (sum)
foreign currency (US dollar, evro, ruble)
The amount of credit:
within the underwriter's limit
Credit term:
Interest rate:
At the expense of bank funds and attracted funds:
Credit interest rates will not be lower than the minimum interest rates established in the "Uzsanoatqurilishbank" system.
Purchase of credit balance from another bank:
is carried out on the terms of the original lender, but must not be lower than the minimum interest rates in the "Uzsanoatqurilishbank" system.
Special conditions:
If regulatory documents establish a specific interest rate and bank margin for targeted resources, this interest rate is applied.
Credit provision:
The amount of provision:
at least 125% of the credit amount (for related parties – 130%).
Initial property mortage:
At least 70% of the credit amount. The remaining collateral is provided upon registration of the fixed assets purchased on credit in the client's name (at least 55%).
Additional requirements:
An insurance policy or surety must be provided before the mortgage is issued. If this condition is not met, the total amount of collateral must be at least 125%.
Property collateral:
- real estate based on the requirements established by the bank (light-structured commercial stores located in the market area are not accepted as collateral);
- autotransportations - no more than 5 years old (in the calculation process, it is counted from the year of manufacture);
- special equipment - no more than 3 years old (in the calculation process, it is counted from the year of manufacture);
- equipment – no more than 2 years old; (in this case, the calculation is made from the year of manufacture)
- funds (must be in the same currency as the credit currency);
- fixed assets, equipment and special machinery purchased with credit funds.
Initial collateral:
Initial collateral amount: at least 70% of the credit amount.
Additional collateral: the remaining 55% of the credit amount is secured by fixed assets purchased on credit, registered in the client's name.
Discounting condition: if the total collateral value (after discounting) is less than 125% of the credit amount, the initial collateral amount is required to be greater than 70%.
Non-property collateral:
- third-party legal guarantee
- credit default insurance policy
- Guarantee of JSC "Entrepreneurship Development Company"
Additional conditons:
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).
Last updated date: 09.09.2025 16:01
