Updated: 04-11-2025

Loan «KAFOLAT»

To be determined against the requested amount
loan amount
interest rate
loan amount

Parameter	Cost/Description
Types of guarantees	- Guarantee of deferral for payment of customs duties; - Payment guarantee; - Upfront payment refund guarantee; - Guarantee of submitting an application for participation in the bidding; - Performance guarantee under the contract, etc.
Guarantors	Legal entities and individual entrepreneurs serviced by "Garant Bank" JSC
Requirements for guarantee	- «Основной» счет должен быть октрыт в АО «Гарант банк»; - The "main" account must be opened in "Garant Bank" JSC; - No arrears recorded in the register No. 2; - Financial results report (Form No. 2) shall not indicate a loss for the last reporting period (annual or quarterly) (not applicable to the individual entrepreneurs, and newly established legal entities – within last 6 months); - Availability of positive own working capital (not applicable to the individual entrepreneurs, and newly established legal entities); - Positive credit history: • no overdue debt; • no outstanding loan balances pending in court proceedings, and no principal and interest transferred to the off-balance sheet accounts; • The score by the Loan Information and Analytical Center – above 200 points; • No existing loans categorized as "unsatisfactory", "doubtful" or "bad"; • The affiliated companies have no overdue accounts payable to "Garant Bank" JSC.
Required documents*	- Application for warranty service; - Balance sheet and profit and loss statement for the last reporting period (not applicable for individual entrepreneurs and newly established legal entities); - cash flow forecast for the entire guarantee period; - collateral documents (cadaster, vehicle registration certificate, etc.); - report on the collateral evaluation by an independent appraiser; - document on the transfer of the guarantee (announcement, contract, etc.); - other additional documents as required by law.
Guarantee amount	To be determined against the requested amount
Currency of the guarantee	National and foreign currency
Guarantee period	up to 36 (thirty-six) months
One-off guarantee fee (fees are charged in full before the guarantee is issued)	in case of a full guarantee secured by the deposit funds: - up to 3 months – 1 (one) per cent; - up to 6 months – 2 (two) per cent; - for a period of more than 6 months – 3 (three) per cent; in case of other types of guarantees: - up to 3 months – 2 (two) per cent; - up to 6 months – 3 (three) per cent; - for a period of more than 6 months – at least 5 (five) per cent
The guarantee fee, if the amount of the guarantee is paid by the bank	10 (ten) per cent
Amount of guarantee collateral	- The agreed collateral cost of the property accepted as collateral shall be at least 125% of the guarantee amount; - The amount of funds accepted as collateral shall be at least 110% of the guarantee amount.
Guarantee collateral	1. Deposit (in national or foreign currency); 2. Movable and immovable property; 3. Vehicles manufactured within last five (5) years; 4. Other types of collateral that are not prohibited by law.
Cases when the customer is not entitled to a guarantee	No financing of activities that contradict the law of the Republic of Uzbekistan and the bank's credit policy is allowed.
	* If the collateral is fully provided in the form of the deposit, an analysis of the customer's financial status and a cash flow forecast may not be required.