Updated: 20-01-2023
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30 %interest rate -
uo to 36 monthsloan term
| Indicator | Value/Description |
| Client Segmentation | Business entities, individual entrepreneurs |
| Requirements for a Good Credit History | • No overdue debt; • No outstanding balances on loans subject to legal claims, including principal and interest amounts transferred to off-balance sheet accounts • Credit Information Analysis Center (KIAC) score above 200 points; • No active loans classified as "unsatisfactory," "doubtful," or "hopeless"; • No overdue credit debt from affiliated enterprises in the system of JSC “Garant bank”. |
| Loan Amount | Up to 70% of the project cost |
| Loan Term | Up to 36 months |
| Grace Period | Up to 12 months |
| Loan Purpose | Construction or reconstruction of a building for business activities (excluding construction or reconstruction for resale purposes) |
| Loan Currency | National currency (UZS) |
| Minimum Interest Rate on the Loan | 30 % |
| Permissible Types of Collateral | 1. Cash; 2. Movable and immovable property; 3. Vehicles manufactured within the last 5 years; 4. Third-party guarantee (not exceeding 25% of the total collateral amount); 5. Insurance policy covering credit default risk (not exceeding 25% of the total collateral amount); 6. Other types of collateral not prohibited by law and the bank’s current credit policy. |
2.List of Documents Required for Obtaining a Loan
1. Loan application;
2. Constituent documents of the borrower enterprise (certificate of registration, articles of association, order, and copies of passports of the founders, director, and accountant (if applicable));
3. Consent of the borrower enterprise’s founders to obtain a loan, executed in accordance with the applicable legislation (except for private enterprises);
4. Balance sheet and financial performance report of the borrower enterprise (submitted electronically to the relevant State Tax Service) for the latest reporting period (annual and quarterly);
5. Electronic valuation report of the collateral object and an independent appraisal organization’s report;
6. Cadastral documents (extract and cadastral passport), in case of real estate collateral;
7. Vehicle registration certificate (technical passport, technical coupon), if the collateral includes vehicles and special equipment;
8. Consent of the enterprise’s founders to provide property as collateral for the loan, constituent documents of the enterprise, copies of the director’s and chief accountant’s passports (if applicable), if the third-party pledgor is a legal entity (if the enterprise is serviced by another bank);
9. Copy of the passport, if the third-party pledgor is an individual;
10. In case of third-party guarantee: constituent documents of the guarantor (certificate of registration, articles of association, order, and copies of passports of the founders, director, and accountant (if applicable)); decision of the guarantor enterprise’s founders to provide a guarantee; cash flow statement for all accounts of the guarantor for the last 12 months; latest balance sheet report (annual and quarterly) of the guarantor enterprise (submitted electronically to the relevant State Tax Service); financial performance report; credit history report of the guarantor (from the Credit Information Analysis Center, KIAC);
11. Bank-confirmed information on the cash flow of the borrower enterprise across all bank accounts for the last 12 months (if other accounts exist);
12. Business plan;
13. Sales and purchase agreements for the acquisition of products;
14. Cost estimate documentation;
15. Additional documents may be requested if necessary
2. Constituent documents of the borrower enterprise (certificate of registration, articles of association, order, and copies of passports of the founders, director, and accountant (if applicable));
3. Consent of the borrower enterprise’s founders to obtain a loan, executed in accordance with the applicable legislation (except for private enterprises);
4. Balance sheet and financial performance report of the borrower enterprise (submitted electronically to the relevant State Tax Service) for the latest reporting period (annual and quarterly);
5. Electronic valuation report of the collateral object and an independent appraisal organization’s report;
6. Cadastral documents (extract and cadastral passport), in case of real estate collateral;
7. Vehicle registration certificate (technical passport, technical coupon), if the collateral includes vehicles and special equipment;
8. Consent of the enterprise’s founders to provide property as collateral for the loan, constituent documents of the enterprise, copies of the director’s and chief accountant’s passports (if applicable), if the third-party pledgor is a legal entity (if the enterprise is serviced by another bank);
9. Copy of the passport, if the third-party pledgor is an individual;
10. In case of third-party guarantee: constituent documents of the guarantor (certificate of registration, articles of association, order, and copies of passports of the founders, director, and accountant (if applicable)); decision of the guarantor enterprise’s founders to provide a guarantee; cash flow statement for all accounts of the guarantor for the last 12 months; latest balance sheet report (annual and quarterly) of the guarantor enterprise (submitted electronically to the relevant State Tax Service); financial performance report; credit history report of the guarantor (from the Credit Information Analysis Center, KIAC);
11. Bank-confirmed information on the cash flow of the borrower enterprise across all bank accounts for the last 12 months (if other accounts exist);
12. Business plan;
13. Sales and purchase agreements for the acquisition of products;
14. Cost estimate documentation;
15. Additional documents may be requested if necessary
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