BIZNES AVTO krediti

1. The report on financial results (Form No. 2) must be completed positively (with the exception of business entities operating without forming a legal entity and making at least 40% of the initial payment);

2. The availability of its own working capital must be positive (with the exception of business entities operating without forming a legal entity and making at least 40% of the initial payment);

3. Absence of overdue credit debt on existing credit and equivalent operations;

4. There are no overdue credit debts of related enterprises in the system of "Uzsanoatqurilishbank" JSCB;

5. There should be no debt on card account No. 2;

6. The absence of current credits classified as "unsatisfactory", "doubtful" and "hopeless" in the system of "Uzsanoatqurilishbank" JSCB from all commercial banks and related enterprises of the client, based on the KATM reference book;

7. Credit history over the last 5 years:

No more than 15 overdue debts exceeding 30+ years;

No more than 3 overdue debts over 60+ years;

Overdue debts exceeding 90% are not allowed at all;

8. In the last 12 months, there should be no more than 3 monthly credit payments (principal debt and/or interest) in the system of JSCB "Uzsanoatqurilishbank".

9.  There should be no more than 3 cases of extension of the interim and final payment terms on the principal debt on existing credits in the system of JSCB "Uzsanoatqurilishbank" today;

10. There should be no more than 2 cases of extension of the payment term for interest accrued on credits in the system of JSCB "Uzsanoatqurilishbank" today;

11. There is no balance in the accounts of the current renegotiated principal debt on existing credits in the system of JSCB "Uzsanoatqurilishbank";

12.There should be no outstanding balances of interest arrears on existing credits in the system of JSCB “Uzsanoatqurilishbank”;

13.There should be no cases of non-fulfillment of the conditions established by the collegial body regarding the credits currently available in the system of JSCB "Uzsanoatqurilishbank";

14.  There should be no cases of misuse of existing credits in the system of JSCB "Uzsanoatqurilishbank" (the business manager checks the intended use based on the act of intended use of the credit monitoring service and reflects it in the conclusion. In this case, this condition does not apply to credits for which the act of intended use has not been completed, the borrower has sued the supplier for non-delivery of the service/product, and credits allocated through products for which verification of the intended use of credit funds is not required);

15. The client must not have any outstanding amounts due under enforcement proceedings initiated by the Enforcement Bureau;

16. The business manager must review the type of activity of the enterprise supplying the product under the contracts submitted by the client for the purpose of credit funds, the presence of lawsuits in court, enforcement proceedings opened by the Enforcement Bureau, and other information, if necessary;

17. In the last 3 years, if there have been claims in the economic court against the client for credit services (including cases where a guarantor has been provided for the defendant) and the claim has been partially or fully satisfied, the request will be considered and the collegial body has the right to reject this request (except for business entities operating without the status of a legal entity, and cases where an appropriate property pledge has been provided for the defendant);

18. If import contracts provide for the purchase of transportations from abroad, the conclusion of the State Enterprise "Center for Comprehensive Expertise of Projects and Import Contracts" or the conclusion of an organization accredited in accordance with the requirements of international standards for import contracts is obtained based on the requirements of the credit policy.

For business entities operating as legal entities:

1.  Application.

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 and are not required when granting a credit without a financial analysis);

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 on account turnover in other banks;

6. A copy of the purchase and sale agreement signed between the parties for the purchase of the transportation;

7. Depending on the feature of the project, additional documents may be required.

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

1.  Application

2. Information on the borrower's turnover in the last 12 months on accounts in other banks (in cases where there are accounts in other banks);

3.  A copy of the purchase and sale agreement signed between the parties for the purchase of the transportation;

4. Depending on the feature of the project, additional documents may be required.