Loans for any purpose for existing business entities (legal entities and individual entrepreneurs)

All categories of businesses operating for at least 6 months

Non-cash, by transferring funds to a deposit account (with the option to withdraw cash)

Uzbek sums or US dollars (only for legal entities, with subsequent conversion into Uzbek soums)

Not exceeding the equivalent of USD 200,000 thousand — secured by residential real estate.

Not exceeding the equivalent of USD 500,000 thousand — secured by non-residential / commercial real estate.

The loan amount does not exceed 75% of the market value of the collateral determined by the bank.

Not more than 10 years
Not more than 7 years in foreign currency

Not available

In Uzbek sums — 23%–24% per annum*
In US dollars — from 14%–15% per annum*

*The final interest rate is determined by the Bank depending on the borrower’s financial performance and the liquidity of the collateral.

1,5 times higher than the standard interest rate

Monthly, using the annuity or differentiated repayment method (at the Borrower’s choice)

No adverse credit history or outstanding negative credit debt

Not included in sanctions lists

No Collection File No. 2

No outstanding debt according to the BPI data under the General Prosecutor’s Office of the Republic of Uzbekistan

Residential and non-residential / commercial real estate acceptable to the Bank

Guarantee of individuals as additional collateral

Loan application;

For legal entities — incorporation documents; for individual entrepreneurs — registration certificate and passport;

Resolution on obtaining the loan (for legal entities);

Financial statements (balance sheet and financial results of legal entities; tax return of individual entrepreneurs);

Statement of cash flow in accounts held with other banks for the last 6 months (if available);

Collateral documents;

Other documents in accordance with the Bank’s credit policy.