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from 29%
Interest rate
up to 100 mln UZS
Maximum amount
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1 million sum 100 million sum
6 mo 36 mo

Detailed terms

Type of credit product

Refinancing loans from other banks

Method of obtaining a loan

Head office and sales offices of JSC "APEX BANK"

Borrower

Individuals - citizens of the Republic of Uzbekistan aged 21 to 60 years (inclusive), who are participants in the salary project of JSC «APEX BANK», officially employed at the time of submitting a loan application and have confirmed income from their activities for a period of at least the last 6 months on the date of consideration of the application.

Credit application review period

Up to 3 working days after providing all necessary documents

Minimum and Maximum loan amount

Minimum loan amount: 1,000,000 UZS
Maximum loan amount: 100,000,000 UZS (inclusive)

Refinancing of previously received loans in other banks is carried out in an amount not exceeding the loan amount approved for the Borrower under this product.

Loan currency

National currency of the Republic of Uzbekistan – UZS

Form of provision of credit funds

One-time, non-cash, by transferring funds by the Bank according to the instructions of the Borrower to the account of his bank card opened in JSC «APEX BANK»

Loan term

From 6 to 36 months (inclusive)

Interest rate

29% per annum - for a period of 6 to 12 months (inclusive)
30% per annum - for a period of 13 to 24 months (inclusive)
31% per annum - for a period of 25 to 36 months (inclusive)

Grace period

Not provided

Interest rate on overdue principal debt

Increases by a factor of 1.5

Repayment method

Annuity payment (equal monthly loan payment)

Repayment of interest and principal debt

Repayment of principal debt and accrued interest starts from the next reporting month after the date of the loan agreement and is made at least once a month

Loan security

Insurance policy against loan default risk:
Issued for the amount of security and paid by the Bank.
Cost — 1% per year of the insured amount, paid once upon receipt of the loan.

Insurance policy amount from the loan amount:
not less than 125% of the loan amount;
not less than 130% — for affiliated persons related to the Bank

Documents required to obtain a loan

identity document;
if necessary, the Bank reserves the right to request additional documents from the Borrower.

* When receiving a loan, it is necessary to obtain

The Bank reserves the right to make a decision, including:
- the final amount and other terms of the approved loan, as well as the possibility of approving the requested loan in general, depends on the internal requirements of the automatic decision-making system, including: segmentation by income level, credit history, gender and age factors, availability and completeness of income verification services, credit history and other external data sources;
- in accordance with Articles 8 and 61 of the Law "On Banks and Banking Activities" stipulate that banks are independent in making decisions on banking operations and that relations between their clients are built on a contractual basis.
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