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)
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

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
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

