Loans for the acquisition of fixed assets

Potential borrower

- a legal entity or an individual entrepreneur, claims in the Bank's branches;

 

 

- availability of a profitable business;

 

- availability of a positive credit history (in case of a loan);

 

- the term of work and official registration of business is not less than 6 months;

 

- enterprises that operate unprofitable, have an illiquid balance sheet, are not liable to credit;

Object of the Loan

Acquisition of residential, commercial and industrial real estate + costs for registration and insurance payments

Form of providing the Loan

By transferring funds:

- to the settlement account of the organization realizing the real estate;

- to the deposit account of an individual realizing real estate;

Maximum amount

Depends on the financial condition of the potential borrower, the volume of his business and the source of loan repayment

Currenct of the Loan

National currency - UZS

Period providing of the Loan

up to 60 months

Grace period

Not more than 12 months

Interest rate

For producers 18% per annum

For other industries 20% per annum

Security deposit

up to 10% of the loan amount

Interest rate on the deposit

0.1%

Collateral security

With collateral.

At least 125% of the loan amount;

- security deposit;

- purchased property;

- motor vehicles, the release date of which is not more than 10 years from the date of issue as of the opening date of financing;

- other types of liquid assets.

In case of own participation:

In the event that the loan is secured only by the acquired property.

Special conditions

- A security deposit, in the form of a placed deposit, is sent for a full repayment of the principal debt and interest thereon in the last month, according to the approved repayment schedule;

Loan repayment form

- form of loan repayment: differentiated;

- repayment of interest on the loan - monthly, interest accrued on the actual balance of debt on the loan;

- repayment of the principal debt - monthly equal payments or set an individual schedule in accordance with the peculiarities of the financial and economic activities of the potential borrower.

 

Loan granting procedure

Loan is provided in due course after:

1) Conclusion of the agreement, formation of a security deposit at the expense of the Client's own funds on the corresponding balance sheet account;

2) Conclusion and submission to the Bank of a notarial pledge agreement, an insurance contract for the crediting period, as well as an insurance policy with a paid insurance premium for the whole period of the loan;

Procedure for the implementation of the loan product

Carried out in accordance with the Credit Policy of the Bank, the Provision of Corporate Lending, other local acts of the bank in the field of lending and the current legislation of Uzbekistan

Loan repayment form

- form of loan repayment: differentiated:

- repayment of interest on a loan) '- monthly, interest is charged on the actual balance of the loan debt;

- repayment of the principal debt - monthly equal payments or set an individual schedule in accordance with the peculiarities of the financial and economic activities of the potential borrower.

Loan granting procedure

Loan is provided in due course after:

 

1) Conclusion of the agreement, formation of a security deposit at the expense of the Client's own funds on the corresponding balance sheet account;

 

2) Conclusion and submission to the Bank of a notarial pledge agreement, an insurance contract for the crediting period, as well as an insurance policy with a paid insurance premium for the whole period of the loan.

Procedure for the implementation of the loan product

Carried out in accordance with the Credit Policy other local acts of the bank in the field of lending and the current legislation of Uzbekistan.


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