Basic conditions for providing the product | ||
Guarantee type |
With and without coverage | |
Guarantee currency | UZS,USD,EUR,RUB | |
Guarantee period |
Up to 5 years (based on open line) | |
High level of risk |
Within the amount determined in accordance with the Procedure for organizing risk management works in the system of JSCB "Uzpromstroybank". | |
Guarantee fee | ||
In national currency (with and without coverage) |
According to the tariff | |
Foreign currency (with coverage) |
According to the tariff | |
In foreign currency (without coverage) |
By agreement (by decision of the Bank's credit committee) | |
Additional conditions for provision of guarantee | ||
Company activities |
Enterprises with the period of activity more than two years from the date of state registration | |
Presence of profit in the financial results statement (Form 2) |
Positive | |
Credit rating (creditworthiness) |
If the credit rating (solvency) is not lower than the CC rating according to the scoring analysis system in accordance with the Procedure for organizing risk management works in the JSCB Uzpromstroybank system; | |
Debt on existing credit operations and equivalent operations |
No overdue debt | |
The number of cases where the principal debt has shifted from month to month in the last 12 months |
Must have a positive credit history of at least 5 loans in the system of JSCB "Uzpromstroybank" (loans are not classified as problem assets in the bank's system). | |
Availability of own funds (NSOS) |
Positive | |
Audit report |
Positive auditor's report on the results of the financial year | |
Guarantee security: |
In the amount of at least 125% of guarantee amount;
In the amount of 100% when covered by cash | |
Property security |
In the amount of at least 125% of the guarantee amount; | |
Types of collateral accepted and conditions for this collateral |
Real estate – any; Motor vehicles – no more than 3 years from the date of issue;
Special equipment – no more than 2 years from the date of issue; Equipment – no more than 1 year from the date of manufacture; | |
Non-property security |
Guarantee in the amount of at least 125% of the guarantee amount, insurance policy | |
Requirements to guarantor company | ||
Activities of guarantor company |
Corporate clients with period of activity more than one year from the date of state registration | |
Guarantee amount |
In the amount not exceeding 1.5 times the size of the sources of own funds (line 480 of the balance sheet) of guarantor company; | |
Credit rating (creditworthiness) of guarantor |
If the credit rating is no lower than the CC rating according to the scoring analysis system in accordance with the Procedure for organizing risk management works in the JSCB Uzpromstroybank system | |
Checking the intended use of guarantee |
Not required | |
