General terms
Loan target
For any purposes, for the mahallas attached to the RBSO in the Samarkand and Karshi regions
Loan currency
soum
Loan amount
up to 50 million soum
Initial payment
not required
Interest rate
from 18% to 20% per annum
Credit term
up to 60 months
Form of issue
in the form of cash»
Collateral
an insurance policy from the insurance company covering the risk of loan default and other forms of collateral (pledge, guarantee) if required
in this case, the insurance premium for the loan default risk can be paid from the loan amount
in this case, the insurance premium for the loan default risk can be paid from the loan amount
Grace period
yes
up to 6 months
up to 6 months
Repayment method
differential, annuity
Borrower requirements
1. At the time of loan application review, the client must have no overdue loan debt on existing loans or equivalent operations with the bank;
2. In the last 12 months, the client’s credit history must show:
No more than 5 overdue debts exceeding 30 days;
No more than 3 overdue debts exceeding 60 days;
No overdue debts exceeding 90 days
3. The client must have no outstanding amounts to be paid under enforcement proceedings initiated by the Compulsory Enforcement Bureau
4. If, in the last 2 years, there have been lawsuits related to loan services in the economic court, and if the claims were partially or fully satisfied, the application will be reviewed and rejected
5. Previously obtained loans under state and social programs must be fully repaid
2. In the last 12 months, the client’s credit history must show:
No more than 5 overdue debts exceeding 30 days;
No more than 3 overdue debts exceeding 60 days;
No overdue debts exceeding 90 days
3. The client must have no outstanding amounts to be paid under enforcement proceedings initiated by the Compulsory Enforcement Bureau
4. If, in the last 2 years, there have been lawsuits related to loan services in the economic court, and if the claims were partially or fully satisfied, the application will be reviewed and rejected
5. Previously obtained loans under state and social programs must be fully repaid
Loan Provision Order
when withdrawing cash, if insurance payments are made from the loan amount, they are directed to the insurance company through the loan account
Required Documents
for legal entities:
loan application;
charter, founding documents, certificate, passports of founders and company officials (including accountants), and copies of appointment orders;
consent/resolution from the founders regarding the loan;
financial reports and data (Forms 1-2, annual and operational balance breakdowns, account turnovers in other banks, liabilities, and other relevant information for analysis)
business plan and/or calculations prepared by the client, substantiating the loan repayment based on project parameters and cash flow projections;
additional documents related to the project implementation, if necessary;
documents related to loan collateral.
for sole proprietors:
loan application;
activity certificate;
copy of passport;
account turnovers in other banks, liabilities, and other relevant information for analysis
business plan and/or calculations prepared by the client, substantiating the loan repayment based on project parameters and cash flow projections
additional documents related to the project implementation, if necessary;
documents related to loan collateral
loan application;
charter, founding documents, certificate, passports of founders and company officials (including accountants), and copies of appointment orders;
consent/resolution from the founders regarding the loan;
financial reports and data (Forms 1-2, annual and operational balance breakdowns, account turnovers in other banks, liabilities, and other relevant information for analysis)
business plan and/or calculations prepared by the client, substantiating the loan repayment based on project parameters and cash flow projections;
additional documents related to the project implementation, if necessary;
documents related to loan collateral.
for sole proprietors:
loan application;
activity certificate;
copy of passport;
account turnovers in other banks, liabilities, and other relevant information for analysis
business plan and/or calculations prepared by the client, substantiating the loan repayment based on project parameters and cash flow projections
additional documents related to the project implementation, if necessary;
documents related to loan collateral
Loan Service Fee
not required
Additional Conditions
to accurately identify the target audience, a recommendation is issued confirming that the person to whom the loan is planned to be allocated meets the terms of this product. The recommendation must be signed by the following individuals:
the head of the neighborhood (mahalla);
the assistant to the governor assigned to the neighborhood;
the neighborhood agent;
additionally, if the person belongs to a specific segment, such as youth or women, the Youth Leader or Women’s Leader must also sign
lending under this Modular Credit will be suspended if the NPL (Non-Performing Loan) ratio exceeds 1% of the product balance as of the reporting date.
the NPL ratio is provided by the bank’s relevant department.
lending will resume once the NPL ratio falls below the specified level
the head of the neighborhood (mahalla);
the assistant to the governor assigned to the neighborhood;
the neighborhood agent;
additionally, if the person belongs to a specific segment, such as youth or women, the Youth Leader or Women’s Leader must also sign
lending under this Modular Credit will be suspended if the NPL (Non-Performing Loan) ratio exceeds 1% of the product balance as of the reporting date.
the NPL ratio is provided by the bank’s relevant department.
lending will resume once the NPL ratio falls below the specified level
Early repayment
possibly
Limit increase
unforeseen
Early limit closure
possibly
Insurance
insurance policy from the insurance company covering the risk of loan default (as loan collateral)
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