Loans for any purpose
Issued for all categories of businesses
Legal entities and individual entrepreneurs, including newly established ones
For starting, improving and developing a business.
An existing business, balance sheet and account turnover are not required.
Fast and simplified review
Non-cash, by transferring funds to a deposit account (with the possibility of withdrawing 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 60% of the market value of the collateral determined by the Bank.
From 7 to 10 years, depending on the value and liquidity of the collateral
No more than 30 days from the date of conclusion of the loan agreement
In Uzbek soums — 25%–28%
In US dollars — 15%–17% per annum
*The final interest rate is determined by the Bank depending on the borrower’s financial performance and the liquidity of the collateral
Interest rate on overdue debt
1.5 times higher than the standard interest rate
Loan repayment term and method
Monthly, using the annuity or differentiated repayment method (at the Borrower’s choice)
Early repayment (partial or full) is allowed without charging a commission
No 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
Pledge of residential / non-residential / commercial real estate acceptable to the Bank
Guarantee of individuals as additional collateral
Loan application;
For legal entities — legal documents, for individual entrepreneurs — registration certificate and passport;
Resolution on obtaining the loan (for legal entities);
Collateral documents;
Other documents in accordance with the Bank’s internal documents