INVEST krediti
Purchase of fixed assets, equipment, autotransportations and long-term intangible assets to expand and modernize operations
Within the underwriter's limit
The maximum amount of credit
Up to 60 months
Credit term
Up to 12 months
Grace period
UZS, EUR, RUB, USD
Credit currency
For micro, small and medium businesses
Who is it for
Not lower than the minimum rates in the banking system
Credit rate
The bank office nearest to you choose and get advice
Necessary documents provide
Sign documents and receive money to current account
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
