| Basic conditions for providing the product
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Purpose
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For salary payments
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Currency
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UZS
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Source of financing
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Bank's own funds;
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Term
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on the basis of general agreement (framework agreement) – up to 12 months, by means of separate conclusion of individual loan agreement – for a period not exceeding 45 days*
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Maximum risk exposure
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Within the amount determined by the Procedure for organizing works on risk management in the system of JSCB "Uzpromstroybank", but up to 20% of the total amount of syndicated loans.
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Grace period for the principal debt
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None
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Frequency of payment of principal debt and interest
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It is repaid upon completion of individual loan agreement.
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Interest
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In the amount established for working capital by the decision of the Management Board on establishment of interest rates on credit operations and operations equivalent to them in the bank's system.
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Qoʻshimcha shartlar |
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Client activity
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Enterprises with period of activity more than a year from the date of their state registration
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Customer account
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The main account must be in the system of JSCB "Uzpromstroybank".
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Presence of profit in the financial results statement (Form 2)
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Positive
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Credit rating (creditworthiness)
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Not lower than the CC rating according to the scoring analysis system in accordance with the Procedure for organizing works on risk management in the system of JSCB "Uzpromstroybank".
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Debt on existing credit and equivalent operations
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No overdue debt
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The number of cases where the principal debt has been carried over from month to month in the last 12 months.
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No more than 5 cases in the system of JSCB "Uzpromstroybank"
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General loan security:
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In the amount of at least 125% of the loan amount;
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Property security
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Real estate, cars, special equipment, etc.;
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Acceptable types of collateral and conditions for this collateral
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Real estate – any; Motor cars – no more than 5 years from the date of issue;
Special equipment – more than 3 years from the date of production; Equipment – no more than 3 years from the date of release; Finished products in stock;
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Non-property security
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Guarantee of corporate clients and their divisions in the amount of at least 125% of the loan amount.
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Requirements to guarantor company
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Activities of the guarantor enterprise
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Corporate clients with period of activity more than one year from the date of state registration
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Guarantee amount
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In amount not exceeding 1.5 times the amount of own funds (balance sheet – line 480) of the guarantor enterprise;
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Credit rating (creditworthiness) of guarantor
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No lower than the CC rating according to the scoring analysis system in accordance with the Procedure for organizing risk management in the system of JSCB "Uzpromstroybank".
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Checking the intended use of the loan
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Not required
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