“ISHONCHLI QADAM”
Financing for businesses to support business development. A loan of up to UZS 2 billion for up to 60 months, secured by property.
Credit terms
Currency
UZS
Term
Up to 60 months
Loan purpose
Non-purpose (for business purposes)
Maximum amount
2 000 000 000 000 UZS
Interest rate
30–33% per annum
Grace period
Principal repayment grace period — up to 6 months, but no more than 2 months within any 12-month period.
Repayment method
Annuity (equal monthly payments)
Collateral
House, car, apartment, or non-residential property
When obtaining a loan
When getting a loan
Your monthly payment:
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Do you have any questions?
The maximum loan amount is up to UZS 2 billion for Group 1 borrowers and up to UZS 1 billion for Group 2 borrowers. The minimum loan amount is UZS 300 million. The specific loan amount is determined by the Bank based on the results of an assessment of the borrower’s financial condition and repayment capacity, as well as the adequacy of the collateral provided.
The main reasons for rejecting a loan application may include: -failure of the borrower to meet the requirements of the credit product; -insufficient repayment capacity or insufficient cash flow to ensure timely repayment of the loan; -outstanding overdue debt under previously obtained loans; -unsatisfactory credit history or negative business reputation; -overdue accounts payable or debt recorded in Card File No. 2; insufficient collateral or collateral that does not meet the Bank’s requirements; -submission of incomplete or inaccurate documents and information; -other circumstances preventing the provision of the loan in accordance with the legislation of the Republic of Uzbekistan and the Bank’s internal regulatory documents.
When reviewing a loan application, the Bank takes the following factors into account: -the borrower’s compliance with the requirements of the “Ishonchli qadam” credit product; -availability of a settlement account with the Bank; -sufficient repayment capacity and stable cash inflows from the borrower’s core business activities; -positive credit history and absence of outstanding overdue debt; -availability of the required set of documents and accuracy of the information provided; -provision of collateral that meets the Bank’s requirements; -availability of the necessary licenses and permits, where required by law for the relevant type of activity. A positive decision is made based on a comprehensive assessment of the borrower in accordance with the Bank’s established requirements.
Yes, early repayment of the loan is permitted. The borrower may repay the loan early in accordance with the terms of the loan agreement and the Bank’s applicable rules. To clarify the outstanding amount and the procedure for carrying out the repayment, the borrower is advised to contact the Bank.