"Agrokomakchi" credit

Detailed conditions Credit amount

Credit amount

Up to 15 mln sums

Annual interest rate

18%

Credit term

12 months

Grace period

Up to 6 months

How to get an "Agrokomakchi" credit?

Steps to get a credit:

Get initial advice by phone or at a bank office

Submit the necessary documents to the bank and wait for the bank's positive decision

Sign a credit agreement with the bank and transfer your funds to your card (cashless transfer)

Calculating initial conditions

Necessary documents:

Passport or ID card
Document confirming payment of social tax (or certificate)
Registration of self-employment
The credit is provided to citizens of the Republic of Uzbekistan aged 18 to 65

Credit payment methods:

SMS

By sending to 2500

By bank

At any offices

Bank cards

By "SQB Mobile" app

Download SQB

Calculator

AnnuityDifferentsial

Annuity

Differentsial

Sum

from deposit 20 000 000 50 000 000

For a period of

5 year

Monthly payment

Usefull to know

Credit conditions
Requirements for the borrower
Necessary documents

Basic Information

Microcredit purpose

Installation of pumps and pipelines for irrigation and development of agricultural land

Microcredit amount

Up to 15 million UZS (not exceeding 50% of the contract amount with the supplier)

Microcredit term

12 months

Interest rate

18% (Central Bank of the Republic of Uzbekistan key rate + 4%)

Payment schedule

Differential / Annuity

Grace period

Up to 6 months (for differential payment schedule)

Credit collateral

Credit default insurance policy
Personal guarantee
Vehicles (not older than 5 years)
Non-residential property

The collateral value must be at least 125% of the loan amount, and 130% for persons affiliated with the bank.

Additional conditions

The credit is not available to employees of JSCB "Uzsanoatqurilishbank"

The borrower’s total debt across all loans must not exceed 100 million UZS

A new credit can be issued only after full repayment of the existing debt

No overdue debts or payments overdue by more than 90 days are allowed

Files

Guaranteed credit agreement

Download

Collateral-based credit agreement

Download

Insurance-based credit agreement

Download

Main requirements:

Citizen of the Republic of Uzbekistan

Age: from 18 to 65 years (inclusive)

Be registered as a self-employed person with the state tax service authorities

Being a social tax payer

Have a proven source of income sufficient to make monthly payments

Income must be derived from activities not prohibited by law

Previous loans and guarantees may be available, provided that solvency exists.

The following are not allowed:

Existing overdue debt

For loans that are overdue for more than 90 days

The total outstanding balance of all microloans must not exceed 100 million soums.

Refinancing is only possible after the existing loan has been fully repaid.

List of documents to be received from the borrower/co-borrower:

Passport or ID card
Self-employment certificate
Contract with a manufacturer, service provider or sales entity
Maintenance documents
If the collateral is property - a report from the appraisal organization (if necessary)
Certificate of payment of social tax for the current year