TEZKOR+ krediti
For any purpose
Up to 500,000 USD equivalent
Credit amount
36 months
Credit term
3 months
Grace period
UZS, USD
Credit currency
Individually determined
Credit rate
Micro and macro business
Client
The bank office nearest to you choose and get advice
Necessary documents provide
Sign the documentsand receive money into current account
Purpose of credit:
Unpurpose
Currency:
UZS, USD
Credit term:
- 36 months
Interest rate:
In national currency: 25% (31% if the specified number of jobs is not created)
In foreign currency: 12% (16% if the specified number of jobs is not created)
Credit amount:
From 7,000 to 500,000 USD equivalent.
For individual entrepreneurs without forming a legal entity — up to the equivalent of 1 billion UZS.
Collateral for the credit:
At least 135% of the credit amount;
(140% for related parties);
Collateral for property:
Real estate properties in accordance with the bank’s established requirements;
(Residential properties, lightweight commercial kiosks located in market areas, poultry farms, greenhouse complexes, and bus stations are not accepted as collateral)
Passenger vehicles — not older than 3 years from the year of manufacture
(in this case, the year of manufacture is considered the first year in the calculation)
Cash funds (in the currency of the loan being issued)
Main Requirements for the Client
1.The credit burden must not exceed 100% (or 50% if the credit amount exceeds the equivalent of USD 200,000).If the borrower’s credit burden exceeds 100% (or 50% for credits over USD 200,000 equivalent), a legal entity guarantee may be required as credit collateral. In this case, the guarantor company must meet the following requirements: Registered for at least 12 months;No more than one guarantor company;The combined credit burden of the borrower and guarantor does not exceed 100% (or 50% for credits over USD 200,000 equivalent);The guarantee amount must be at least 125% of the requested loan.
2.No overdue credit debt on existing credits and equivalent operations.
3.No overdue debts in the "Uzsanoatqurilishbank" JSCB system for related companies.
4. Client’s operating period (based on registration certificate) must meet the following:At least 6 months if loan ≤ USD 50,000 equivalent;At least 12 months if credit is between USD 50,000 and USD 200,000 equivalent;At least 24 months if credit is between USD 200,000 and USD 500,000 equivalent.
5.Client’s account must show activity-related income for the last 6 months (monthly).
6. No debt in the “card file "2” (if the certificate of card file ''2'' debt is provided by another bank, it is valid for 30 days from the date of issue)
7. According to the KATM certificate, the client and its related companies must not have any “unsatisfactory,” “doubtful,” or “hopeless” credits in the commercial banks or "Uzsanoatqurilishbank" JSCB system.
8. Overdue credits in the last 60 months must meet:No more than 10 overdue debts between 31 and 60 days;No more than 3 overdue debts between 61 and 90 days;No overdue debts exceeding 90 days;No court proceedings related to credit debts;No off-balance sheet overdue credit debts.
9.No misuse of current credits within the "Uzsanoatqurilishbank" JSCB system (based on business manager's inspection and Credit Monitoring Department’s report). Exceptions apply if the borrower took legal action due to non-delivery of goods/services or for credits not requiring targeted use verification.
10. No economic court claims related to credit services in the past 3 years (including guarantees for defendants), otherwise, the application will be reviewed and may be rejected by the collegial body. (Exceptions for individual entrepreneurs without legal entity status and those with property guarantees.)
11. No more than 2 extensions of principal and/or interest payment deadlines on current credits within the"Uzsanoatqurilishbank" JSCB system.
12.No debts under enforcement proceedings by the Compulsory Enforcement Bureau for:The borrower;Founders of the borrower company and companies where they are founders or managers;Managers/founders of the borrower company;Founders/managers of the borrower company.
13.Founders and/or directors must not have overdue personal loans in "Uzsanoatqurilishbank" JSCB or any other banks (especially those providing guarantees).
14. The ownership structure of the borrower (and guarantor company if applicable) must not have changed in the last 6 months (or 12 months if credit > USD 200,000 equivalent), except for:) Addition of new founders without changes to existing founders;b) Changes only among close relatives (parents, siblings, spouses, children).The business manager verifies this via my.gov.uz family information and attaches screenshots to the system. Verification by BXM/BXO managers is done through stat.uz and ihamkor.uz. If the client re-registers within 6 months, they must submit registry documents from the Public Services Center for each change.
15. For clients engaged in trading or services without ownership of the operating premises or the guarantor’s premises, the maximum credit amount cannot exceed USD 100,000 equivalent.
1. Aplication form.
2. The borrower company's founding documents and the consent of its founders, formalized in accordance with current legislation, for obtaining a bank guarantee (excluding private companies).
3. Additional documents may be requested depending on the specifics of the project..
When Property is Provided as Collateral:
1. Report from an independent appraiser on the collateral object.
2 .Consent from the founders of the third party (company) providing the property as collateral, confirming the pledge of the property as credit collateral.
3. Founding documents of the third-party company providing the property as collateral (if the company is serviced by another bank).
4. Founding documents of the third-party company providing the property as collateral (if the company is serviced by another bank).
When a Guarantee is Provided as Collateral:
1. Consent of the guarantor company’s founders to provide the guarantee.
2.The guarantor company’s accounting balance and financial performance report for the latest reporting period submitted electronically to the relevant State Tax Inspectorate (except cases where the bank obtains forms 1 and 2 electronically from the STI database).
3. The guarantor company’s quarterly accounting balance and financial performance report for the latest period (if the company was registered after the last financial year or if the bank guarantee is provided after the last financial year).
4. Founding documents of the guarantor company (if the company is serviced by another bank).
5.Founding documents of the guarantor company (if the company is serviced by another bank).
6.Information about the guarantor company’s turnover and card file debt in other banks.
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Oxirgi yangilanish sanasi: 03.09.2025 10:28
