Updated: 02-09-2026
-
up to 1 billion UZSloan amount -
up to 25%interest rate -
up to 60 monthsloan term
| Main Characteristics of the Proposed Product | |
| Indicator | Value/Description |
| Client Segmentation | Individual entrepreneurs |
| Key Requirements for Loan Issuance | 1. The customer must have a primary or secondary account within Garant bank JSC; 2. The customer must have a positive credit history; 3. No outstanding debt under the “Card File No. 2” account; 4. No outstanding amounts payable under enforcement proceedings initiated by the Bureau of Compulsory Enforcement. |
| Requirements for a Good Credit History | 1. No current overdue debt; 2. No outstanding loan balances subject to court proceedings and no loan principal or interest transferred to off-balance-sheet accounts; 3. KATM score must be above 200; 4. No outstanding loans classified as “unsatisfactory”, “doubtful”, or “loss”; 5. Related companies must have no overdue loan debt within Garant bank JSC; 6. For loans during the last 12 months: • no more than 5 cases of overdue debt exceeding 60 days; • no more than 2 cases of overdue debt exceeding 90 days. |
| Client Account Type | Primary or secondary |
| Loan Issuance Method | Through a closed credit line |
| Loan Amount | Up to 1,000,000,000 (one billion) UZS |
| Loan Term | Up to 60 months |
| Grace Period | Up to 3 months |
| Loan Purpose | No specific purpose required |
| Loan Currency | National currency (UZS) |
| Funding Source | From the Bank’s own and/or borrowed funds |
| Loan Disbursement Method | 1. In the form of cash (payment order/check) 2. Via transfer to a corporate plastic card |
| Minimum Interest Rate on the Loan | If the customer’s annual account turnover exceeds UZS 1 billion: 12 months – 25% 36 months – 26% 48 months – 27% 60 months – 28% If the customer’s annual account turnover is below UZS 1 billion or there is no turnover: 12 months – 26% 36 months – 27% 48 months – 28% 60 months – 29% * May subsequently be changed based on a decision of the Financial Committee. |
| Interest Rate on Overdue Debt | Increased by 1.5 times the applicable interest rate |
| Interest Calculation | Interest is accrued daily at a fixed rate and repaid according to the approved repayment schedule |
| Repayment Period for Principal and Interest | Principal — monthly, without a grace period; Interest payment — monthly |
| Interest Calculation Methods | Annuity / Differentiated |
| Loan Collateral | Not less than 125% of the loan amount (130% for affiliated parties) |
| Types of Acceptable Collateral | 1. Cash funds; 2. Movable and immovable property; 3. Vehicles not more than 5 years old from the date of manufacture; 4. Other types of collateral not prohibited by law. |