Basic conditions for providing the product | ||
Purpose |
To finance the costs of investment projects – to purchase fixed assets, special machinery, equipment, finance construction and for other payments in order to organize and expand activities. | |
Currency | UZS, USD, EUR, RUB | |
Source of funding |
Bank's own funds;
Raised funds; | |
Term |
At the expense of the Bank's own funds – up to 5 years, but not more than the project's self-sufficiency period;
Raised funds – according to the terms of raised line – up to 10 years. | |
Maximum risk |
Within the amount determined in accordance with the Procedure for organizing risk management works in the system of JSCB "Uzpromstroybank", but in the amount up to 70% of the project cost. | |
Grace period for principal debt |
Based on the client's questionnaire, but not more than 2 years;
For raised funds – in accordance with the terms of raised line; | |
Frequency of payment of principal and interest |
For loans allocated at the expense of the Bank's own funds in national and foreign currency – for a period not exceeding 3 months;
Frequency of payment of principal and interest | |
Interest rate | ||
When at the expense of the bank's own funds |
In the amount established for long-term loans in accordance with the decision of the Management Board on establishment of interest rates on credit operations and operations equivalent to them in the bank's system. | |
Through the lines of foreign financial institutions |
Foreign financial institution margin + bank margin of at least 3% | |
Additional conditions | ||
Company activities |
Enterprises that passed state registration at least two years ago | |
Customer account |
Primary and secondary | |
Participation of the client in the project |
At least 30% | |
Profit according to the statement of financial results (Form 2) |
Positive | |
Credit rating (creditworthiness) |
In the event that it is no lower than CC class according to the scoring analysis system in accordance with the Procedure for organizing works on risk management in the system of JSCB "Uzpromstroybank". | |
Debt on existing credit operations and equivalent operations |
No overdue debt | |
The number of cases where the principal debt has been carried over from month to month in the last 12 months. |
If not more than 5 cases in the system of JSCB "Uzpromstroybank". | |
Loan security: |
In the amount of at least 125% of the loan amount; (130% for persons associated with the bank) | |
Property security |
Real estate, motor vehicles, special equipment and other means;
Property security in the amount at least 65% of loan amount as of the date before loan is issued;
For the rest, fixed assets are accepted, which will be organized at the expense of a loan. | |
Types of collateral accepted and conditions set for that collateral |
Real estate – any; Motor vehicles – no more than 5 years from the date of production;
Special equipment – no more than 3 years from the date of production; Equipment – no more than 3 years from the date of manufacture. | |
Non-property security |
Guarantee for corporate clients in the amount of at least 125% of loan amount. | |
Requirements to guarantor company | ||
Activities of guarantor company |
Corporate clients, the term of activity from the moment of state registration of which is more than one year | |
Guarantee amount |
In an amount not exceeding 1.5 times the amount of own funds (balance sheet - line 480) of guarantor enterprise; | |
The credit rating (creditworthiness) of the guarantor |
In the event that it is no lower than CC class according to the scoring analysis system in accordance with the Procedure for organizing works on risk management in the system of JSCB "Uzpromstroybank". | |
Checking the intended use of the loan |
Must be verified using proof documents of purchase of the relevant product. | |
