Lending
Nashr uchun talqin
"Business online" loan for legal entities
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Borrower |
Business entities with a stable sales revenue through the Bank's "Mobile Banking" or "Internet Banking" application scoring analysis and offer agreement |
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Loan purpose |
– Formation and replenishment of working capital in business – Loan funds are allocated by transferring money to the main account of the borrower online through the application "Mobile bank" or "Internet banking" |
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Loan term and percentage |
The loan is issued in the form of a revolver for a period of 12 months with the condition of repayment within 3 months At least 24% per annum |
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Amount (basic count amount) |
Credit turnover for the last 6 months is allocated through the main account up to 3 times the average monthly amount, but not more than 50 million soums |
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Type of supply |
There should be a monthly income in the account of the business entity |
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Credit non-allocation cases |
– in case of uninterrupted income of the client and any overdue loan / interest indebtedness or indebtedness on other loans "Kartoteka-2"; – Existence of credit indebtedness on previously allocated online loans; – Online loans will not be refunded to customers who have a principal or interest debt due to a 15-day delay |
Lending to small businesses in national currency
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Borrower |
Individual entrepreneurs, microfirms, small enterprises, farms and family enterprises |
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Loan purpose |
Formation and replenishment of working capital in the activities of entrepreneurship |
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Loan term and percentage |
- to form and replenish working capital for the borrower to start his business Up to 12 months - not less than 23% per annum More than 12 months – not less than 24% per annum |
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Amount (base count amount) |
Within the framework of the presented project |
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Type of collateral |
- third party guarantee; - credit risk insurance policies; - property purchased on credit; - liquid assets; - Guarantee of the State Fund for Enterprise Development; - other types of collateral under the law |
Issuance of short-term open credit lines to small businesses under the long-term General Agreement to replenish working capital
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Borrower |
A legal entity or individual entrepreneur who is duly registered and acts appropriately |
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Loan purpose |
Working capital replenishment through the acquisition of goods, raw materials and materials for continuous production and trading activities |
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Loan term and percentage |
Lending through an open credit line every 12 months under the General Agreement for a period of 36 months. Not less than 23% per annum |
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Amount (base count amount) |
on a contractual basis (for business entities with regular cash flows in the account) |
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Type of collateral |
- third party guarantee; - credit risk insurance policies; - property purchased on credit; - liquid assets; - Guarantee of the State Fund for Enterprise Development; - other types of collateral under the law |
Purchase of equipment, real estate and other fixed assets, construction and repair, as well as loans for other investment projects
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Borrower |
Persons with legal entity status |
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Loan purpose |
-construction of enterprises and production facilities (structures); -construction of buildings and structures; -reconstruction, expansion, modernization, technical and technological re-equipment of existing production facilities; -the acquisition of fixed assets, machinery and technologies, equipment and vehicles for production; -for initiators of large investment projects for the development of design estimates and the implementation of their investment project; -to cover the cost of the examination, including the total loan amount to finance the project. |
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Loan term and percentage |
Up to 12 months - not less than 23% per annum Up to 24 months - not less than 24% per annum Up to 36 months - not less than 25% per annum Up to 60 months - in the amount of not less than 26% per annum |
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Amount (base count amount) |
Based on project cost |
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Type of collateral |
- third party guarantee; - credit risk insurance policies; - property purchased on credit; - liquid assets; - Guarantee of the State Fund for Enterprise Development; - other types of collateral under the law |
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Other conditions |
The initiator's share in the investment project should be at least 30%, and the project should have positive economic indicators. |
The loans granted by Resolution of the President of the Republic of Uzbekistan No. PR-55 of Decamber 21, 2021 “On Additional Measures to develop family entrepreneurship and expand sources of income for the population”
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Borrower |
As part of the Family Business program, preferential loans are allocated in accordance with the Decree of the Republic of Uzbekistan dated December 21, 2021 No. PP-55. |
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Loan purpose |
Payment of services and goods to ensure employment, increase production and service opportunities for entrepreneurs (does not include working capital and catering)
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Loan term |
*Only for the organization of gardening, viticulture, lemon growing loans with a grace period of up to 3 years and up to 7 years
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Percentage |
14 % |
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Type of collateral (For legal entities) |
- third party guarantee; - credit risk insurance policies; - liquid assets; - Guarantee of the State Fund for Enterprise Development; - other types of collateral under the law |
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To obtain a loan |
To obtain a loan, apply through the electronic platform oilakredit.uz. |
Issuance of salary loans to business entities
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Borrower |
Enterprises that do not have the necessary funds in temporary bank accounts due to the production of goods or the performance of specific tasks necessary for the functioning of the overall economy, as well as the execution of government orders with real cash flows in the next 45 days |
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Loan term |
Up to 60 days |
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Percentage |
In an amount not exceeding 23 percent per annum |
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Quantity |
Salary loans are based on the amount of salary accrued per month, which is allocated to the total single social payment and income tax. In some cases, depending on the requirements of large enterprises that are part of the basic economic sectors, loans may be issued for salaries calculated for several months. |
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Type of supply |
- liquid property; - other types of security under the legislation. |
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Salary credit is prohibited in the following cases: |
a) if the enterprise does not provide the bank branch with accurate and reliable information on the sources of loan repayment; b) if the enterprise has suffered financial and economic interruptions over a long period of time; c) in the absence of clear sources of loan repayment. |
Leasing services for small businesses
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Borrower |
Small business entities with the status of a legal entity, micro-firms, small enterprises, farmers and family enterprises |
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Loan purpose |
One party (lessor) on behalf of the other party (lessee) to buy from the third party (seller) the property (object of leasing) conditioned by the lease agreement and to own and use it for a fee on the terms specified in this agreement. issued for a period of more than a month. |
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Loan term and percentage |
Up to 36 months - in the amount of not less than 26% Up to 60 months - not less than 27% |
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Quantity |
Based on the project cost |
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Type of supply |
- third party guarantee; - non-refundable insurance policies; - liquid property; - Guarantee of the State Fund for Entrepreneurship Development; - other types of security under the legislation. |
Implement factoring practices for small businesses
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Borrower |
Small business entities with the status of a legal entity, micro-firms, small enterprises, farmers and family enterprises |
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Loan purpose |
Acquisition of receivables (Business entities - for the purpose of financing suppliers, which are accepted by the payer for goods, works or services delivered to the bank-financial agent, but have no right to recourse, without the right of recourse). |
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Loan term |
Up to 90 days |
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Percentage |
Not less than 12% |
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Quantity |
Based on the project cost |
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Basic condition |
Factoring operations: - on requirements to budget organizations; - on debt obligations of individuals; - on liabilities of enterprises declared insolvent; - for loss-making enterprises; - on financing of capital investments; - on export consignment contracts; - on compensation and barter agreements; - on a phased or lump-sum basis; - during the period stipulated by the payment agreement, as well as under the contract of sale, which has the right to return the product after the provision of sales services. |
Currency rates
Updated on 24.05.2022
Buy | Sell | CB | |
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USD | 11085.00 | 11140.00 | 11084.90 |
EUR | 11720.00 | 11950.00 | 11836.46 |
GBR | 13810.00 | 14080.00 | 13940.37 |
JPY | 83.00 | 100.00 | 86.93 |
Currency converter
Department of Consumer Protection of Banking Services:
Telefon: +998 71 202-99-99
1285 (internal 1299)