"Agrokomakchi" credit


Detailed conditions Credit amount
"Agroko'makchi" krediti

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)


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

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Usefull to know
  • Credit conditions
  • Requirements for the borrower
  • Necessary documents
Basic information



Microcredit purpose

Installation of pumps and pipelines to provide irrigation and develop land areas intended for agricultural activities


Microcredit amount:

Up to 15 million soums (in an amount not exceeding 50% of the contract amount concluded with the supplier)

Microcredit term:

12 months

Interest rate:

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

Payment schedule:

differential/annuity

Grace period:

Up to 6 months (on a differential payment schedule)

Credit collateral:

  • Credit default insurance policy

  • Individual guarantee

  • Autotransportations (not older than 5 years)

  • Non-residential premises

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

Additional conditions:

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

The total debt of the borrower on all credits should not exceed 100 million soums

The credit can be re-allocated only after the current debt is fully paid

There can be no overdue debt or debts that are unpaid for more than 90 days


Files

Guaranteed credit agreement

Download
download

Collateral-based credit agreement

Download
download

Insurance-based credit agreement

Download
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


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