aab.uz
General terms
Loan target
for financing all projects not prohibited by law (except for projects related to the establishment of alcohol, tobacco, and gambling establishments)
Loan currency
soum
Loan amount
up to 300 million UZS: loans up to 100 million UZS are refinanced by "Entrepreneurship Development Company" JSC the rest is covered by the bank's funds
Initial payment
not required
Interest rate
from 18,5% to 24% per annum
Credit term
up to 84 months
Form of issue
for goods and services according to the provided contract
Collateral
1. For loans up to 100 million UZS, an insurance policy from the "Inson" Insurance Company covering the risk of non-repayment of the loan (in this case, the insurance premium is not charged to the client)
2. For loans exceeding 100 million UZS, collateral must comply with the "Procedure for selection and acceptance of collateral for loans and equivalent transactions" of "ASIA ALLIANCE BANK" JSCB, as well as the types of security stipulated by legislation
2. For loans exceeding 100 million UZS, collateral must comply with the "Procedure for selection and acceptance of collateral for loans and equivalent transactions" of "ASIA ALLIANCE BANK" JSCB, as well as the types of security stipulated by legislation
Grace period
yes
up to 8 months
up to 8 months
Repayment method
differential, annuity
Borrower requirements
1. Operating for at least one year;
2. Having cash inflows related to its activities in the account over the last 12 months (with at least three months showing inflows on a monthly basis);
3. Must not have any existing guarantees or compensation agreements with the "Entrepreneurship Development Company" JSC or a history of misuse of such assistance;
4. The financial activity of the borrower must not have resulted in a loss for the annual and most recent quarterly reporting periods. Exceptions apply if the losses are justified with truthful and substantiated information;
5. The borrower's working capital must not show negative indicators for the annual and most recent quarterly reporting periods. Exceptions apply if these indicators are justified with truthful and substantiated information;
6. There must be no overdue debt on existing loans and equivalent operations;
7. For loans in the last 12 months:
No more than 2 overdue debts exceeding 30 days;
No more than 1 overdue debt exceeding 60 days;
No overdue debts exceeding 90 days
8. Lending under this Modular Credit will be suspended if, as of the reporting date, the NPL (Non-Performing Loan) ratio exceeds 5% of the product balance. The NPL ratio for the reporting date will be provided by the bank's relevant department. Lending will resume once the NPL ratio falls below the specified level
2. Having cash inflows related to its activities in the account over the last 12 months (with at least three months showing inflows on a monthly basis);
3. Must not have any existing guarantees or compensation agreements with the "Entrepreneurship Development Company" JSC or a history of misuse of such assistance;
4. The financial activity of the borrower must not have resulted in a loss for the annual and most recent quarterly reporting periods. Exceptions apply if the losses are justified with truthful and substantiated information;
5. The borrower's working capital must not show negative indicators for the annual and most recent quarterly reporting periods. Exceptions apply if these indicators are justified with truthful and substantiated information;
6. There must be no overdue debt on existing loans and equivalent operations;
7. For loans in the last 12 months:
No more than 2 overdue debts exceeding 30 days;
No more than 1 overdue debt exceeding 60 days;
No overdue debts exceeding 90 days
8. Lending under this Modular Credit will be suspended if, as of the reporting date, the NPL (Non-Performing Loan) ratio exceeds 5% of the product balance. The NPL ratio for the reporting date will be provided by the bank's relevant department. Lending will resume once the NPL ratio falls below the specified level
Loan Provision Order
according to the provided contract, for goods and services
Required Documents
for legal entities:
credit application, founding documents, information about the management and founders of the company, consent/decision of the founders regarding obtaining a loan and/or providing collateral;
account turnover statements from other banks and information on existing obligations
for individual entrepreneurs:
credit application, certificate of registration, copy of passport, documents confirming the location of business operations;
financial calculations prepared by the client, including a cash flow forecast and justification for the repayment of the loan funds, as well as other documents related to the implementation of the project
credit application, founding documents, information about the management and founders of the company, consent/decision of the founders regarding obtaining a loan and/or providing collateral;
account turnover statements from other banks and information on existing obligations
for individual entrepreneurs:
credit application, certificate of registration, copy of passport, documents confirming the location of business operations;
financial calculations prepared by the client, including a cash flow forecast and justification for the repayment of the loan funds, as well as other documents related to the implementation of the project
Loan Service Fee
not required
Additional Conditions
1. The amount of loans provided to the borrower within the system of "ASIA ALLIANCE BANK" JSC based solely on an insurance policy as collateral should not exceed 500.0 million UZS for entrepreneurial entities with legal entity status, and 300.0 million UZS for individual entrepreneurs without legal entity status (e.g., sole proprietors, farms, and others). Furthermore, under monitoring, the total balance of loans secured solely by insurance policies, including those allocated to a single borrower or a group of related borrowers, must not exceed 1.0 billion UZS
2. The targeted use of loan funds is not subject to separate verification or formalization through an act of inspection. However, the allocation of loan funds must be specified in the credit agreement in accordance with the project documentation and the business plan
3. The loan amount is set at a level not exceeding 50% of the funds credited to the client's account from core activities over the last three months
2. The targeted use of loan funds is not subject to separate verification or formalization through an act of inspection. However, the allocation of loan funds must be specified in the credit agreement in accordance with the project documentation and the business plan
3. The loan amount is set at a level not exceeding 50% of the funds credited to the client's account from core activities over the last three months
Early repayment
unforeseen
Limit increase
unforeseen
Early limit closure
possibly
Insurance
for loans up to 100 million UZS, an insurance policy from "Inson" Insurance Company covering the risk of loan default (in this case, the insurance premium is not charged to the client)
We are happy to help you
Our consultants will help you solve any issue. Just give us a call or request a call back.
If you have questions about deposits, our consultants will answer them.
Single Call Center
Work schedule: 24/7
The Alliance mobile application is equipped with interactive services and a calculator.
An online chat with the Bank's Support Service is also available.
Other loans
IMKONIYAT
-
Interest ratefrom 36% per annum
-
Credit termup to 36 months
NAQD-KAPITAL
-
Interest ratefrom 36% per annum
-
Credit termup to 36 months
QULAY BIZNES
-
Interest ratefrom 27,99% per annum (in UZS), from 14,99% per annum (in USD)
-
Credit termup to 36 months
EXPRESS MIKRO – QARZ
-
Interest ratefrom 30,99% per annum (in UZS), from 16% per annum (in USD)
-
Credit termup to 12 months
OPTIMAL KREDIT
-
Interest ratefrom 27,99% per annum (in UZS), from 14,99% per annum (in USD)
-
Credit termup to 36 months
TEZKOR
-
Interest ratefrom 27,99% per annum (in UZS), from 14,99% per annum (in USD)
-
Credit termup to 36 months
BIZNES IPOTEKA
-
Interest ratefrom 27,99% per annum
-
Credit termup to 60 months
ECO DRIVE
-
Interest ratefrom 27,99% per annum (in UZS), from 14,99% per annum (in USD)
-
Credit termup to 60 months
ALLIANCE AUTO
-
Interest ratefrom 27,99% per annum (in UZS), from - 14,99% per annum (in USD)
-
Credit termup to 48 months
KORPORATIV
-
Interest ratefrom 27,99% per annum
-
Credit termup to 12 months
