Loan for purchasing of fixed assets

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Long terms

Grace period

Flexible down payment

Targeted clientele

Existing and potential clients of the Bank (micro and small enterprises and individual entrepreneurs)

Purpose of the loan

Purchase of fixed assets (including the purchase of an online check-cash register, construction, reconstruction, and capital repair of buildings and facilities)

Interest rate (IR) (%) per annum

26% per annum

Max. amount of the loan

1) Legal entities: up to 2,600.0 mln UZS (up to 5.0 mln UZS for the purchase of an online check-cash register);
2) Individual entrepreneurs: up to 1,300.0 mln UZS.
The client’s total liabilities must not exceed these amounts.

Possible currencies

In national currency

Max. maturity

Up to 60 months (up to 12 months for the purchase of an online cash register)

Accepted collaterals

Real estate and vehicles (a credit risk insurance policy may be accepted as security until the main collateral is formalized), as well as the purpose/object of the loan, if it is pledgeable.
(Based on a personal guarantee for the purchase of an online cash register.)

Grace period for principal repayment

1) Loan term 0–2 years: up to 3 months;
2) Loan term 2–5 years: up to 6 months.
No grace period applies for the purchase of an online check-cash register.

Down payment

From 30%

Passport

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For legal entities:

Application;
Decision of the authorized body of the borrower to obtain a loan. Copy of the borrower's founding documents with the latest changes for verification of authority;
Accounting reports submitted to the State Tax Service for the latest reporting period;
If the borrower has accounts and obligations in other credit institutions (banks), a certificate from that organization (bank);
Copies of contracts;
Documents confirming the availability of a trade or production place intended for business activities;
Business plan or TIA project;
If the loan is for equipment purchase — comparative classification of similar equipment, competitor sheet (price, performance, etc.);
If the loan is for real estate acquisition — certificate of ownership;
If the loan is for construction, repair, or reconstruction works — full package of construction documentation;
Collateral documents.

For individual entrepreneurs

Application;
Copy of the state registration certificate;
Copies of contracts (excluding trading activities);
If the loan is for real estate acquisition — certificate of ownership (document);
If the loan is for equipment purchase — comparative classification of similar equipment, competitor sheet (price, performance, etc.);
Business plan;
If the borrower has accounts and obligations in other credit institutions (banks), a certificate from that organization (bank);
Collateral documents.