Basic conditions for providing the product | ||
Purpose |
to finance pre-export expenses through an open/closed credit line | |
Currency |
UZS, USD, EUR, RUB | |
Source of funding |
Bank's own funds;
Raised funds | |
Term |
Up to 18 months | |
Maximum risk amount |
Within the amount determined by the Procedure for organizing the works on risk management in the system of JSCB "Uzpromstroybank", but in the amount up to 20% of the total amount of syndicated loans. | |
Grace period for principal debt |
According to the application (questionnaire) of client – but no more than 6 months; On the basis of raised funds – in accordance with the terms of raised line; | |
Frequency of payment of principal debt and interest |
For loans at the expense of the Bank's own funds in national and foreign currency – for a period not exceeding 3 months;
On the basis of raised funds – in accordance with the terms of credit line; | |
Foiz miqdori | ||
At the expense of the bank's own funds |
In the amount established for working capital according to the decision of the Management Board on establishment of interest rates on credit operations and operations equivalent to them in the bank's system. | |
From credit lines of foreign banks |
Foreign bank conditions + bank margin of at least 3% | |
Additional conditions | ||
Company’s activities |
Enterprises with the period of activity more than two years from the date of state registration | |
Profit in the income statement (Form 2) |
Positive | |
Credit rating (creditworthiness) |
No lower than the CC rating according to the scoring analysis system in accordance with the Procedure for organizing the works on risk management in the system of JSCB "Uzpromstroybank". | |
Debt on existing credit and equivalent operations |
No overdue debt | |
The number of cases in which the principal debt has changed from month to month in the last 12 months | In the system of JSCB "Uzpromstroybank" there are no more than 5 cases | |
General loan security: |
In the amount at least 125% of the loan amount;
(130% for persons associated with the bank) | |
Property mortgage |
Real estate, motor vehicles, special equipment, etc. | |
Types of collateral accepted and conditions for this collateral |
Real estate, vehicles, special equipment, etc. | |
Non-property security |
Guarantee of a corporate client in the amount of at least 125% of the loan amount. | |
Requirements to guarantor | ||
Activities of the guarantor enterprise |
Corporate clients with the period of activity more than one year from the date of state registration | |
Guarantee amount |
In amount not exceeding 1.5 times the amount of own funds (balance sheet – line 480) of guarantor company; | |
Credit rating (creditworthiness) of guarantor | No lower than the CC rating according to the scoring analysis system in accordance with the Procedure for organizing risk management works in the system of JSCB "Uzpromstroybank". | |
Export earnings pledge | ||
Export contract |
The amount of proceeds received under contracts registered in the system of JSCB "Uzpromstroybank" must cover 125% of loan amount. | |
Checking the intended use of loan |
Verified by reconciling the debiting of funds from loan account for the purposes specified in loan agreement | |
