Limit concept | Based on the credit rating of the client and the group of related persons, an overall limit is set for the group |
Target | Use of all types of loan products available at the bank within the limit |
Currency | UZS, USD, EUR, RUB |
Duration | Investment transactions, acquisition / modernization of fixed assets, construction - up to 3 years but not more than the payback period of the project; To replenish working capital - up to 3 years (by individual agreement, subject to full repayment every 12 months annually) |
Number | Within the limits of the amount established by the Procedure for organizing risk management in the system of JSCB "Uzpromstroybank". |
Loan interest rate |
when allocated at the expense of the bank's own funds - at a rate of at least 20% per annum (in national currency); |
Pledge requirements | At least 125% of the loan amount in the form of property, cash, sureties and other types of security (taking into account the requirements specified in certain types of products) |
Basic requirements for a potential borrower | Enterprises that have passed state registration for more than 2 years; the presence of a primary or secondary account in the JSCB "Uzpromstroybank"; the presence of a client's share in the project in long-term loan products in the amount of at least 30%; a positive result in financial statements; no overdue debts on current loans; No more than 5 cases of overdue debt on previously received loans in the system of JSCB "Uzpromstroybank" during the last 12 months |
1. Balance sheet for the last reporting period (form No. 1), statement of financial results (form No. 2) provided by the client to the relevant state tax;
2. Information about the last annual turnover of existing accounts in other banks (if any));
3. The consent of the client's founders to receive the limit, drawn up in the manner prescribed by the current legislation;
4. A copy of the contract for the supply of goods with the buyer;
5. Conclusion of an accredited international consulting company on the compliance of the price of the acquired fixed assets with the world market conditions.
6. Feasibility study for the allocation of a loan, approved in accordance with the established procedure
7. If construction is planned at the expense of a loan, then:
а. architectural and planning assignment for construction
b. estimate documentation for curl
j. examination of estimate documentation
If a surety is provided as security for a loan:
1. If the main account of the guarantor is served by another bank:
а. constituent documents of the enterprise;
b. information on the turnover on the company's accounts with other banks for the last 12 months;
j. the decision of the founders of the guarantee company on the appointment of the director of the company and the order on the appointment of the accountant of the company;
e. a copy of the passport of the director and chief accountant of the guarantee company;
2. A positive decision of the founders of the enterprise on the provision of a guarantee;
3. Balance sheet for the last reporting period (form No. 1), report on financial results (form No. 2);
Requirements for the surety:
1. The guarantor is a corporate client of the bank who is more than one year old from the date of state registration
2. The amount of the provided guarantee - the enterprise has sources of its own funds (balance sheet - 480 lines) in an amount not exceeding 1.5 times
When providing property as collateral for a loan:
1. Report of an independent appraisal organization, drawn up in accordance with the current legislation;
2. Constituent documents of the owner of the property (memorandum of association, charter and charter - if the property belongs to a third person);
3. The consent of the founders of the owner of the property, drawn up in accordance with the procedure established by the current legislation on pledging property as collateral for a loan (if the property belongs to a third person).
Vehicles
The property
Equipment
Deposits
Other liquid objects
