Account opening and maintenance
Account opening and maintenance
Loans and guarantees
Loans and guarantees
Deposits
Deposits
Acceptance of payments
Acceptance of payments
Services and support
Services and support
Business support
Business support
- Practical aids
- Project factory

QURILISH UCHUN krediti

Kreditlashning asosiy shartlari

Mahsulotning maqsadi	- Koʻp qavatli turar-joy va yakka tartibdagi uy-joy qurilishi - Kelgusida sotish va/yoki ijaraga berish maqsadida noturar bino va inshootlar qurilishi - Pudrat va subpudrat shartnomasi asosida qurilish ishlarini amalga oshirish - Binoni qayta taʼmirlash (rekonstruksiya) - Binoni joriy taʼmirlash - Investitsion loyihani amalga oshirish uchun qurilish Investitsion loyihani amalga oshirish uchun qurilish
Valyuta	Milliy valyuta (so'm) Xorijiy valyuta (AQSh dollari, rubl, yevro)
Mahsulot bo‘yicha ta'minot	Kredit summasining 125% dan kam bo‘lmagan miqdorda (Aloqador shaxslar uchun 130%)
Miqdori	Loyiha smetasi summasining 70% miqdorigacha
Qabul qilinadigan mulkiy garov turlari va ushbu garov boʻyicha qoʻyiladigan shartlar	Bankda oʻrnatilgan talablar asosida koʻchmas mulklar; Avtotransport vositalari — ishlab chiqarilganiga 5 yildan oshmagan (bunda, hisoblash jarayonida ishlab chiqarilgan yili birinchi yil hisoblanadi); Qishloq xo’jaligi texnikalari va maxsus texnikalar — ishlab chiqarilganiga 3 yildan oshmagan (bunda, hisoblash jarayonida ishlab chiqarilgan yili birinchi yil hisoblanadi); Uskunalar — ishlab chiqarilganiga 2 yildan oshmagan (bunda, hisoblash jarayonida ishlab chiqarilgan yim birinchi yil hisoblanadi. Shuningdek ishlab chiqarilganiga 5 yildan oshmagan uskunalarni ular joylashgan bino/yer bilan birgalikda ta’minotga taqdim etish mumkin) Pul mablag'lari; Kredit mablag‘lari hisobiga quriladigan obyektlar.

Kredit va imtiyoz muddati

Kreditning maqsadi	Kreditning muddati		Imtiyozli davr
	Bank oʻz mablagʻlari hisobidan	Boshqa jalb qilingan mablagʻlar hisobidan	Bank oʻz mablagʻlari hisobidan	Boshqa jalb qilingan mablagʻlar hisobidan
Koʻp qavatli turar-joy va yakka tartibdagi uy-joy qurilishi	24 oy	Jalb qilingan mablagʻlar shartlariga asosan	12 oy	Jalb qilingan mablagʻlar shartlariga asosan
Kelgusida sotish va/yoki ijaraga berish maqsadida noturar bino va inshootlar qurilishi	36 oy	Jalb qilingan mablagʻlar shartlariga asosan	12 oy	Jalb qilingan mablagʻlar shartlariga asosan
Pudrat va subpudrat shartnomasi asosida qurilish ishlarini amalga oshirish	18 oy	Jalb qilingan mablagʻlar shartlariga asosan	3 oy	Jalb qilingan mablagʻlar shartlariga asosan
Binoni qayta taʼmirlash (rekonstruksiya)	36 oy	Jalb qilingan mablagʻlar shartlariga asosan	12 oy	Jalb qilingan mablagʻlar shartlariga asosan
Binoni joriy taʼmirlash	24 oy	Jalb qilingan mablagʻlar shartlariga asosan	12 oy	Jalb qilingan mablagʻlar shartlariga asosan
Investitsion loyihani amalga oshirish uchun qurilish	60 oy	Jalb qilingan mablagʻlar shartlariga asosan	12 oy	Jalb qilingan mablagʻlar shartlariga asosan
Investitsion loyihani amalga oshirish uchun qurilish	60 oy	Jalb qilingan mablagʻlar shartlariga asosan	12 oy	Jalb qilingan mablagʻlar shartlariga asosan

Скрыть

Kerakli hujjatlar

Yuridik shaxs maqomiga ega faoliyat yuritayotgan tadbirkorlik sub’yektlariga:

1. Ariza.

2. Qarz oluvchi korxona taʼsischilarining amaldagi qonun hujjatlarida belgilangan tartibda rasmiylashtirilgan kredit olish yuzasidan roziligi (xususiy korxonalar va yuridik shaxs maqomiga ega boʻlmay faoliyat yuritayotgan tadbirkorlik sub’yektlari bundan mustasno).

3. Qarz oluvchi korxonaning (tegishli DSIga elektron shaklda taqdim etilgan) oxirgi hisobot davri uchun buxgalteriya balansi, moliyaviy natijalar toʻgʻrisida hisoboti (Bank tomonidan 1 va 2-sonli shakllar DSI maʼlumotlar bazasidan elektron olingan hollar bundan mustasno).

4. Oxirgi davr uchun choraklik buxgalteriya balansi, moliyaviy natijalar toʻgʻrisida hisoboti (mijoz moliyaviy faoliyat davri ushbu davrni qoplamagan holatlarda hisobot oyining 1 kuniga tayyorlangan tezkor buxgalteriya balansi, moliyaviy natijalar toʻgʻrisida hisoboti).

5. Boshqa banklardagi hisobvaraq aylanmasi toʻgʻrisida maʼlumot.

6. Mahsulot sotib olish uchun mahalliy korxonalar bilan oldi-sotdi shartnomasi yoki chet el korxonalari bilan import shartnomasi nusxasi.

7. Qarz oluvchi korxonaning debitorlik va kreditorlik qarzdorliklari yoyilmasi.

8. Shartnoma tovar yetkazib berish zanjirida Rossiya, Belarus va Eron davlatlarida roʻyxatdan oʻtgan kontragentlardan biri ishtirok etganda, shartnomaning sanksiya bilan bogʻliq xatarlarini baholash yuzasidan xalqaro huquqiy reytinglarda (Champers & Partners, Legal 500 va IFLR 1000 kabi) Tier 1 / Band 1 reytingiga ega xalqaro yuridik kompaniyalar ijobiy xulosasi.

9. Loyiha xususiyatidan kelib chiqib boshqa hujjatlar ham soʻralishi mumkin.

Yuridik shaxs maqomiga ega boʻlmay faoliyat yuritayotgan tadbirkorlik sub’yektlariga:

1. Ariza.

2. Guvohnoma.

3. Qarz oluvchi korxonaning boshqa banklardagi hisob raqamlari boʻyicha 12 oylik aylanmasi toʻgʻrisida maʼlumot (boshqa banklarda hisob raqami mavjud boʻlgan holatlarda).

4. Mahsulot sotib olish uchun mahalliy korxonalar bilan oldi-sotdi shartnomasi yoki chet el korxonalari bilan import shartnomasi nusxasi.

5. Loyiha xususiyatidan kelib chiqib boshqa hujjatlar ham soʻralishi mumkin.

Up to the amount of the underwriter limit

Maximum amount of credit

Up to 36 months

Credit term

Up to 12 months

Grace period

UZS,USD, RUB, EUR

Credit currency

Micro and small businesses

Who is it for

Individually determined

Interest rate

Usefull to know

Basic information
Credit and grace period
Necessary documents

Basic information

Purpose of credit:

Construction of multi-storey and individual residential buildings;

Construction of individual residential buildings;

Construction works under a contract;

Reconstruction and current repairs of buildings;

Construction works for investment projects.

Currency:

National currency (sum);

Foreign currency (US dollar, evro, ruble).

The amount of credit:

Up to the amount of the underwriter limit

Interest rate:

From the bank's own funds:

In national currency:

In an amount not less than 1.75 times the key rate of the Central Bank;

For the construction of multi-storey housing in the "New Uzbekistan" estates - in accordance with the Decree of the President of the Republic of Uzbekistan No. PF-26 dated February 21, 2025, when allocated by the Ministry of Economy and Finance on the condition of refinancing:The Central Bank rate + 2% points.

In foreign currency:

In an amount not lower than the current interest rates on credits, factoring and leasing provided by "Uzsanoatqurilishbank" JSCB to legal entities and individual entrepreneurs.

In national and foreign currency:

In the banking system, credits to legal entities and individual entrepreneurs are allocated at an interest rate not lower than the current interest rates for factoring and leasing operations.

>If credits are allocated at the expense of targeted resources and the interest rate is established in regulatory documents, these established rates are applied.

Credit Collateral:

Based on the requirements established by the Bank, not less than 125% of the credit amount (130% for Related Parties)

Property collateral:

Real estate based on the requirements established by the bank (light-structured shops located in the market area are not accepted as collateral);

Autotransportation - no more than 5 years old;

Special equipment - no more than 3 years old;

Equipment - no more than 2 years old;

Cash;

Facilities built using credit funds.

Non-property collateral:

Guarantee of a legal entity;

Credit default insurance policy;

Guarantee of the State Fund for the Support of Entrepreneurship;

Other types of non-property security.

Additional conditions:

1. Pledge of objects under construction

Multi-storey residential buildings under construction in the “Yangi Uzbekiston” estates, as well as in the Republic of Karakalpakstan and Surkhandarya region, are accepted as collateral in the following manner:

At least 45% of the estimated cost of the project must be financed by the construction organization
Construction work must be confirmed by a document in Form 3 and a conclusion from a licensed supervisory organization
The collateral value is determined by discounting 75% of the value in the conclusion of the supervisory organization
The credit amount can be up to 80% of the collateral value
Subsequent tranches are allocated based on documents confirming the completion of construction.

2. Additional requirements:

Before the credit is allocated, the object must not have been sold under an investment agreement
Before the credit is allocated, the bank checks the client’s account for the absence of receipts under an investment agreement.

3.Requirements for the client:

The last 12 within a month, the number of monthly payments on each active credit in the “Uzsanoatqurilishbank” system should not exceed 3 times.

4. Credits are prohibited:

To enterprises in which bank employees and their close relatives (parents, children, spouses, brothers, sisters, etc.) participate or manage
Credits are not provided on the collateral or guarantee of such enterprises

Files

Credit agreement

Download

Purpose of credit

From the bank's own funds:

24 months

Credit term

12 months

Grace period

At the expense of attracted funds:
the terms are determined in accordance with the terms of the attracted funds

From the bank's own funds:

36 months

Credit term

12 months

Grace period

At the expense of attracted funds:
the terms are determined in accordance with the terms of the attracted funds

From the bank's own funds:

18 months

Credit term

3 months

Grace period

At the expense of the attracted funds:
terms are determined in accordance with the terms of the attracted funds

From the bank's own funds:

36 months

Credit term

12 months

Grace period

At the expense of attracted funds:
the terms are determined in accordance with the terms of the attracted funds

From the bank's ownfunds:

24 months

Credit term

12 months

Grace period

At the expense of attracted funds :
the terms are determined in accordance with the terms of the attracted funds

From the bank's own funds:

60 months

Credit term

12 months

Grace period

At the expense of attracted funds:
the terms are determined in accordance with the terms of the attracted funds

For business entities operating as legal entities:

1. Application form.

2.Consent of the founders of the borrowing enterprise to obtain a 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).

3. Balance sheet and financial statement of the borrowing enterprise for the last reporting period (submitted electronically to the relevant DSI) (except for cases where Forms 1 and 2 are received electronically by the Bank from the DSI database).

4. Quarterly balance sheet and financial results report for the last period (in cases where the client's financial activity period does not cover this period, a quick balance sheet and financial results report prepared as of the 1st day of the reporting month).

5. Information about account turnover in other banks.

6. A copy of the purchase and sale agreement with local businesses or an import agreement with foreign businesses for the purchase of products.

7. Spread of receivables and payables of the borrowing enterprise.

8. Positive opinion from international law firms with Tier 1 / Band 1 ratings in international legal rankings (such as Champers & Partners, Legal 500 and IFLR 1000) on the assessment of the sanctions risks of the contract, when the contract involves one of the counterparties registered in Russia, Belarus and Iran in the supply chain of the goods.

9.Depending on the nature of the project, other documents may be requested.

For business entities operating without the status of a legal entity:

1. Application form.

2. Certificate.

3. Information on the 12-month turnover of the borrowing enterprise on accounts in other banks (in cases where there is an account in other banks).

4. A copy of the purchase and sale agreement with local enterprises or an import agreement with foreign enterprises for the purchase of products.

5. Depending on the feature of the project, other documents may be requested.

Last updated date: 28.10.2025 17:54