QURILISH UCHUN krediti
Credit for current repairs and renovations (reconstruction) of a building
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
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:
The amount of credit:
Up to the amount of the underwriter limit
Interest rate:
From the bank's own funds:
In national currency:
In foreign currency:
In national and foreign currency:
Credit Collateral:
Based on the requirements established by the Bank, not less than 125% of the credit amount (130% for Related Parties)
Property collateral:
Non-property collateral:
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
From the bank's own funds:
Credit term
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:
Credit term
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:
Credit term
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:
Credit term
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:
Credit term
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:
Credit term
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: 09.09.2025 16:09
