Acquisition of any non-consumable items, including enterprises, property complexes, equipment, vehicles, and other movable and immovable property, for subsequent transfer to lease and/or financial lease to business entities and individuals

Credit with and without opening of credit lines
Framework credit line

The national currency of the Republic of Uzbekistan is sum

The loan amount is determined based on the borrower's financial position, deposit account turnover, provided collateral, business volume, and repayment sources

No more than 60 months

No more than 24 months

No more than 6 months

From 27% per annum*

Monthly, with equal payments after the expiration of the grace period or other justified periodicity for repayment of the principal debt by the borrower

Monthly, on the date agreed upon in the loan agreement, or other periodicity of interest repayment justified by the borrower

Not less than 125% of the loan amount (130% for individuals affiliated with the bank). The following is accepted as collateral for the loan:
1. Mortgage of movable and immovable property;
2. Third-party guarantees and sureties;
3. Pledge of funds, including deposits;
4. Loan default risk insurance policy;
5. Equipment pledge;
6. Other types of security provided for by the current legislation of the Republic of Uzbekistan, the Credit Policy of JSC "APEX BANK" and other local acts of the bank.

Leasing companies in the form of a limited liability company (LLC) and non-bank credit organizations carrying out leasing activities for at least 6 months, meeting the following requirements:
1. Availability of a deposit account in JSC "APEX BANK";
2. Having a positive or good credit history;
3. Availability of a liquid balance sheet and profitable activity;
4. Availability of stable business turnover on deposit accounts for at least 6 months;
5. Availability of permits, if the activity provides for them (licenses, certificates, opinions, etc.);
6. It is required to make an advance payment of 15% of the purchase and sale agreement amount for the leased asset at your own expense; 7. Not being in the bankruptcy or court proceedings stage and having a stable current and prospective financial position;
8. Availability of stable sources for repayment of obligations to banks;
9. The absence of outstanding overdue debt on previously conducted credit operations (principal or interest) with banks and non-bank credit institutions;
10. The absence of beneficial owners in national and international sanctions lists.