“SOLAR ENERGY”
| Branch network of JSCB “Kapitalbank” |
| Location address of the branch network of JSCB “Kapitalbank” |
| Contact phone - 78 148-40-08 |
| Loan amount: up to 300,000,000 soums |
Within the framework of the Credit for Solar energy you can:
|
| Interest rate per annum: from 24% in UZS / from 13% in USD |
| Loan term: up to 120 months |
| Grace period: up to 3 months |
| Collateral: jewelry/cash in national/foreign currency |
| solar photovoltaic power plants; |
| solar water heaters; |
| wind turbines; |
| micro and small HPPs with a capacity of up to 1 MW; |
| and for other RES devices. |
| pledge of vehicles or special machines (at that, the term of the loan is not more than 60 months) |
List of documents for legal entities:
- Copy of the Charter
- Certificate of Incorporation
- Balance sheet (form No. 1 and No. 2) for last reporting period
List of documents for individual entrepreneurs:
- Certificate of registration of an individual entrepreneur;
- Passport/ID;
If necessary, additional documents may be requested from the Client.
Support documents:
- Real estate: Copies of cadastral documentation and passport/ID of the owner;
- Motor-vehicle transport: Copies of the certificate of the vehicle's registration and the owner's passport/ID
How to get a loan for сapital assets in “Kapitalbank” JSCB?
Step1 |
Consultation Select a branch of the Bank convenient for you in your location and make an appointment with a Bank’s specialist. During the meeting, a Bank specialist will familiarize you with the list of documents required for obtaining a loan, advise on their form and content and answer all your questions. |
Step2 |
Collection of documents and execution of a loan application Collect a complete package of required documents. At the meeting, together with a Bank specialist, fill out a loan application for a loan and submit a full package of the required documents. The Bank’s specialist will register a loan application and provide you with a certificate confirming that your loan application has been registered and the submitted package of documents has been accepted for consideration according to the established procedure. |
Step3 |
Consideration of a loan application and decision-making by the Bank according to the established procedure The period from the date of receiving by the Bank of a loan application for a loan for fixed capital assets with the attachment of a full package of required documents and the date of the Bank’s decision on the loan application will not exceed the period established by the legislation of the Republic of Uzbekistan. The term for considering a loan application and a decision-making depends on the completeness of the set of documents provided by you. Show the Bank specialist your company and property offered as collateral. |
Step4 |
Conclusion of a loan agreement and registration of collateral In case of a favorable decision of the Bank, you shall sign a loan agreement and arrange loan collateral in compliance with the established procedure. |
Step5 |
Getting a loan The loan is issued by opening a separate loan account and payment of your payment orders from this account by the bank transfer. |
«WORKING CAPITAL»
|
Branch network of JSCB “Kapitalbank” |
|
Location address of the branch network of JSCB “Kapitalbank” |
|
Contact phone - 78 148-40-08 |
Working capital credits are provided for the development of trade, production, expansion of the service sector, etc.
Within the framework of the Credit for Working capital you can:
- purchase raw materials, materials and components
- pay for services and work performed
- pay for freight, road and customs procedures;
- replenish stocks
- expand the assortment
- expand business, etc.
Basic conditions
|
CREDIT AMOUNT – up to 3 billion soums/In foreign – The equivalent of the amount in USD/EURO, equal to the amount of 3 billion soums (inclusive). |
|
CREDIT CURRENCY - in national and foreign currencies. |
|
CREDIT PERIOD - up to 36 months. |
|
REPAYMENT OF INTEREST ON THE CREDIT - monthly. Interest is charged on the actual balance of the debt on the credit. |
|
GRACE PERIOD DURING WHICH THE CREDIT AMOUNT IS NOT REPAYED - up to 3 months. |
|
REPAYMENT OF THE CREDIT AMOUNT - monthly, after the end of the grace period for repayment of the principal debt. After the end of the grace period for repayment of the principal debt, the amount of the principal debt and accrued interest are repaid by annuity payments (annuity method). |
|
EARLY REPAYMENT – allowed, penalties and commissions for early repayment are not charged. |
Combined provision is possible. Pledge is accepted for a total amount of 125% of the credit amount with a discount. |
Basic requirements for a potential borrower
|
Business entities (legal entities and individual entrepreneurs) registered in the manner established by the legislation of the Republic of Uzbekistan. |
|
Availability of a profitable business. |
|
Availability of a main or secondary deposit account on demand with JSCB “KAPITALBANK”. |
|
No negative credit history |
|
A period of work and official registration of a business of at least 6 months is welcome. |
|
Enterprises operating at a loss, having an illiquid balance sheet, are not subject to lending. |
List of documents for legal entities:
- Copy of the Charter
- Certificate of Incorporation
- Balance sheet (form No. 1 and No. 2) for last reporting period
List of documents for individual entrepreneurs:
- Certificate of registration of an individual entrepreneur
- Passport/ID;
If necessary, additional documents may be requested from the Client.
Support documents:
- Real estate: Copies of cadastral documentation and passport/ID of the owner;
- Motor-vehicle transport: Copies of the certificate of the vehicle's registration and the owner's passport/ID
How to get a loan for сapital assets in “Kapitalbank” JSCB?
Step1 |
Consultation Select a branch of the Bank convenient for you in your location and make an appointment with a Bank’s specialist. During the meeting, a Bank specialist will familiarize you with the list of documents required for obtaining a loan, advise on their form and content and answer all your questions. |
Step2 |
Collection of documents and execution of a loan application Collect a complete package of required documents. At the meeting, together with a Bank specialist, fill out a loan application for a loan and submit a full package of the required documents. The Bank’s specialist will register a loan application and provide you with a certificate confirming that your loan application has been registered and the submitted package of documents has been accepted for consideration according to the established procedure. |
Step3 |
Consideration of a loan application and decision-making by the Bank according to the established procedure The period from the date of receiving by the Bank of a loan application for a loan for fixed capital assets with the attachment of a full package of required documents and the date of the Bank’s decision on the loan application will not exceed the period established by the legislation of the Republic of Uzbekistan. The term for considering a loan application and a decision-making depends on the completeness of the set of documents provided by you. Show the Bank specialist your company and property offered as collateral. |
Step4 |
Conclusion of a loan agreement and registration of collateral In case of a favorable decision of the Bank, you shall sign a loan agreement and arrange loan collateral in compliance with the established procedure. |
Step5 |
Getting a loan The loan is issued by opening a separate loan account and payment of your payment orders from this account by the bank transfer. |
«TEZKOR AVTO»
|
Branch network of JSCB “Kapitalbank” |
|
Location address of the branch network of JSCB “Kapitalbank” |
|
Contact phone - 78 148-40-08 |
Credits for the purchase of motor vehicles are provided for the development of activities, business expansion, etc.
Within the framework of the Credit, for motor vehicles you can purchase:
- passenger car;
- freight car;
- special equipment/vehicle for general purposes;
- other types of vehicles used for business development.
Basic conditions
|
CREDIT AMOUNT – up to 3 billion soums/In foreign – The equivalent of the amount in USD/EURO, equal to the amount of 3 billion soums (inclusive). |
|
CREDIT CURRENCY - in national and foreign currencies. |
|
CREDIT PERIOD - up to 60 months. |
|
REPAYMENT OF INTEREST ON THE CREDIT - monthly. Interest is charged on the actual balance of the debt on the credit. |
|
GRACE PERIOD DURING WHICH THE CREDIT AMOUNT IS NOT REPAYED - up to 3 months. |
|
REPAYMENT OF THE CREDIT AMOUNT - monthly, after the end of the grace period for repayment of the principal debt. After the end of the grace period for repayment of the principal debt, the amount of the principal debt and accrued interest are repaid by annuity payments (annuity method). |
|
EARLY REPAYMENT – allowed, penalties and commissions for early repayment are not charged. |
|
|
Combined provision is possible. Pledge is accepted for a total amount of 125% of the credit amount with a discount. |
Basic requirements for a potential borrower
|
Business entities (legal entities, individual entrepreneurs and individuals engaged in entrepreneurial activities without forming a legal entity) registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan. |
|
Availability of a profitable business. |
|
Availability of a main or secondary deposit account on demand with JSCB “KAPITALBANK”. |
|
No negative credit history |
|
A period of work and official registration of a business of at least 6 months is welcome. |
|
Enterprises operating at a loss, having an illiquid balance sheet, are not subject to lending. |
List of documents for legal entities:
- Copy of the Charter
- Certificate of Incorporation
- Balance sheet (form No. 1 and No. 2) for last reporting period
List of documents for individual entrepreneurs:
- Certificate of registration of an individual entrepreneur
- Passport /ID;
If necessary, additional documents may be requested from the Client.
Support documents:
- Real estate: Copies of cadastral documentation and passport/ID of the owner;
- Motor-vehicle transport: Copies of the certificate of the vehicle's registration and the owner's passport/ID.
How to get a loan for сapital assets in “Kapitalbank” JSCB?
Step1 |
Consultation Select a branch of the Bank convenient for you in your location and make an appointment with a Bank’s specialist. During the meeting, a Bank specialist will familiarize you with the list of documents required for obtaining a loan, advise on their form and content and answer all your questions. |
Step2 |
Collection of documents and execution of a loan application Collect a complete package of required documents. At the meeting, together with a Bank specialist, fill out a loan application for a loan and submit a full package of the required documents. The Bank’s specialist will register a loan application and provide you with a certificate confirming that your loan application has been registered and the submitted package of documents has been accepted for consideration according to the established procedure. |
Step3 |
Consideration of a loan application and decision-making by the Bank according to the established procedure The period from the date of receiving by the Bank of a loan application for a loan for fixed capital assets with the attachment of a full package of required documents and the date of the Bank’s decision on the loan application will not exceed the period established by the legislation of the Republic of Uzbekistan. The term for considering a loan application and a decision-making depends on the completeness of the set of documents provided by you. Show the Bank specialist your company and property offered as collateral. |
Step4 |
Conclusion of a loan agreement and registration of collateral In case of a favorable decision of the Bank, you shall sign a loan agreement and arrange loan collateral in compliance with the established procedure. |
Step5 |
Getting a loan The loan is issued by opening a separate loan account and payment of your payment orders from this account by the bank transfer. |
«MODULAR CREDITS»
Modular credits are provided for the development of trade, production, expansion of services, etc.
As part of the Working Capital Credit, You can:
- purchase raw materials, products and components
- pay for services and work performed
- pay for freight, road and customs procedures;
- replenish stocks
- expand the range
- make seasonal purchases
- expand the business, etc.
Basic conditions
|
CREDIT AMOUNT – In the national currency - up to 100,000,000.00 (One hundred million) soums; |
|
CREDIT CURRENCY - in national currency. |
|
CREDIT TERM - up to 12 months. |
|
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
|
|
CREDIT INTEREST REPAYMENT - monthly. Interest is calculated on the actual balance of the credit debt. |
|
A GRACE PERIOD DURING WHICH THE CREDIT AMOUNT IS NOT REPAYED - up to 3 months. |
|
REPAYMENT OF THE CREDIT AMOUNT - monthly, after the end of the grace period for repayment of the principal debt. After the end of the grace period for repayment of the principal debt, the amount of the principal debt and accrued interest are repaid by annuity payments (annuity method). |
|
EARLY REPAYMENT - Allowed, fines or early redemption fees will not be charged. |
|
AUTHORIZED BODY MAKING A DECISION ON PROVISION OF A CREDIT - Scoring model |
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SECURITY FOR CREDIT - collateral can be a pledge of property, including personal and third parties - both legal entities and individuals:
Simultaneously, it is not permissible to receive the vehicles as collateral with a year of production of the vehicle of a minimum period of 5 years. A combined collateral is possible. The collateral is accepted for a total amount of 125% of the credit amount with a discount **. The amount of the discount depends on the type of property, its value and credit term. |
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* Credit without opening a credit line - The credit is issued by a one-time payment of the entire credit amount or is made in several tranches within the credit amount (the established issuance limit). Revolving line of credit - Credits are issued and repaid repeatedly within the established debt limit (aggregate debt limit) and within the specified period. Also, when opening a revolving credit line, an additional one-time commission is charged, established by the Bank's tariff. No commission is charged for the unused credit line limit. |
Basic requirements for a potential borrower
The term of work and official registration of the business is not less than 6 months is welcome.
|
Individual entrepreneurs carrying out entrepreneurial activity without forming a legal entity and registered in the manner prescribed by the legislation of the Republic of Uzbekistan. |
|
Having an operating profitable business. |
|
Presence of a primary or secondary deposit account on demand with JSCB "KAPITALBANK". |
|
Place of registration and business in the region of presence of JSCB "KAPITALBANK" |
|
No negative credit history |
|
Enterprises operating at a loss and having an illiquid balance sheet are not eligible for credits. |
«FIXED CAPITAL»
|
Branch network of JSCB “Kapitalbank” |
|
Location address of the branch network of JSCB “Kapitalbank” |
|
Contact phone - 78 148-40-08 |
Fixed capital credits are provided for the development and modernization of production, increase in production capacity, business expansion, etc.
Within the framework of the Credit for Fixed capital you can purchase:
- equipment for various purposes
- real estate
- other fixed assets used in business
Basic conditions
|
CREDIT AMOUNT – up to 3 billion soums/In foreign – The equivalent of the amount in USD/EURO, equal to the amount of 3 billion soums (inclusive). |
|
CREDIT CURRENCY - in national and foreign currencies. |
|
CREDIT PERIOD - up to 60 months. |
|
REPAYMENT OF INTEREST ON THE CREDIT - monthly. Interest is charged on the actual balance of the debt on the credit. |
|
GRACE PERIOD DURING WHICH THE CREDIT AMOUNT IS NOT REPAYED - up to 3 months. |
|
REPAYMENT OF THE CREDIT AMOUNT - monthly, after the end of the grace period for repayment of the principal debt. After the end of the grace period for repayment of the principal debt, the amount of the principal debt and accrued interest are repaid by annuity payments (annuity method). |
|
EARLY REPAYMENT – allowed, penalties and commissions for early repayment are not charged. |
|
SECURITY ON CREDIT - a pledge of property, including personal and third parties - both legal entities and individuals, can serve as collateral:
Combined provision is possible. Pledge is accepted for a total amount of 125% of the credit amount with a discount. |
Basic requirements for a potential borrower
|
Business entities (legal entities, individual entrepreneurs and individuals engaged in entrepreneurial activities without forming a legal entity) registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan. |
|
Availability of a profitable business. |
|
Availability of a main or secondary deposit account on demand with JSCB “KAPITALBANK”. |
|
No negative credit history |
|
A period of work and official registration of a business of at least 6 months is welcome. |
|
Enterprises operating at a loss, having an illiquid balance sheet, are not subject to lending. |
List of documents for legal entities:
- Copy of the Charter
- Certificate of Incorporation
- Balance sheet (form No. 1 and No. 2) for last reporting period
List of documents for individual entrepreneurs:
- Certificate of registration of an individual entrepreneur
- Passport/ID;
If necessary, additional documents may be requested from the Client.
Support documents:
- Real estate: Copies of cadastral documentation and passport/ID of the owner;
- Motor-vehicle transport: Copies of the certificate of the vehicle's registration and the owner's passport/ID
How to get a loan for сapital assets in “Kapitalbank” JSCB?
Step1 |
Consultation Select a branch of the Bank convenient for you in your location and make an appointment with a Bank’s specialist. During the meeting, a Bank specialist will familiarize you with the list of documents required for obtaining a loan, advise on their form and content and answer all your questions. |
Step2 |
Collection of documents and execution of a loan application Collect a complete package of required documents. At the meeting, together with a Bank specialist, fill out a loan application for a loan and submit a full package of the required documents. The Bank’s specialist will register a loan application and provide you with a certificate confirming that your loan application has been registered and the submitted package of documents has been accepted for consideration according to the established procedure. |
Step3 |
Consideration of a loan application and decision-making by the Bank according to the established procedure The period from the date of receiving by the Bank of a loan application for a loan for fixed capital assets with the attachment of a full package of required documents and the date of the Bank’s decision on the loan application will not exceed the period established by the legislation of the Republic of Uzbekistan. The term for considering a loan application and a decision-making depends on the completeness of the set of documents provided by you. Show the Bank specialist your company and property offered as collateral. |
Step4 |
Conclusion of a loan agreement and registration of collateral In case of a favorable decision of the Bank, you shall sign a loan agreement and arrange loan collateral in compliance with the established procedure. |
Step5 |
Getting a loan The loan is issued by opening a separate loan account and payment of your payment orders from this account by the bank transfer. |
«CREDIT TO INDIVIDUAL ENTREPRENEURS IN CASH»
For carrying out the entrepreneurial activity
Basic conditions
|
CREDIT AMOUNT - In national currency - up to 1 billion soums (inclusive). |
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CREDIT CURRENCY - in national currency. |
|
CREDIT PERIOD - up to 36 months. |
|
CREDITS ARE PROVIDED IN THE CASH FORM |
|
TYPES OF CREDIT: Credits without opening a revolving line of credit, incl. provided under the framework credit line (FCL). |
|
REPAYMENT OF INTEREST ON THE CREDIT - monthly. Interest is charged on the actual balance of the debt on the credit. |
|
REPAYMENT OF THE CREDIT AMOUNT - monthly, upon repayment of the principal debt, the amount of the principal debt and accrued interest are repaid by annuity payments (annuity method). |
|
GRACE PERIOD DURING WHICH NO REPAYMENT OF THE CREDIT AMOUNT IS CARRIED OUT – up to 3 months. |
|
EARLY REPAYMENT – allowed, penalties and commissions for early repayment are not charged. |
|
SECURITY ON CREDIT - a pledge of property, including personal and third parties - both legal entities and individuals, can serve as collateral:
Combined deposit possible. Pledge is accepted for a total amount of 125% of the credit amount with a discount. |
Basic requirements for a potential borrower
|
Individual entrepreneurs registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan; |
|
Availability of a main/secondary demand deposit account with JSCB “Kapitalbank” in accordance with the requirements of the Credit Policy of JSCB “Kapitalbank”; |
|
Absence of a negative credit history, in accordance with the requirements of the Credit Policy of JSCB “Kapitalbank”; |
|
Sufficiency of projected cash flows for the project being financed; |
|
Required work experience of a potential borrower in the business being financed for at least 6 months; |
|
Availability of appropriate authorization certificates, permits and licenses for the activities carried out (in case the credited activity is subject to licensing); |
Other requirements for a potential borrower, collateral and conditions for obtaining a credit are regulated by the Bank’s Credit Policy and other local acts of the bank in the field of lending.
List of documents for legal entities:
- Copy of the Charter
- Certificate of Incorporation
- Balance sheet (form No. 1 and No. 2) for last reporting period
List of documents for individual entrepreneurs:
- Certificate of registration of an individual entrepreneur
- Passport/ID;
If necessary, additional documents may be requested from the Client.
Support documents:
- Real estate: Copies of cadastral documentation and passport/ID of the owner;
- Motor-vehicle transport: Copies of the certificate of the vehicle's registration and the owner's passport/ID
How to get a loan for сapital assets in “Kapitalbank” JSCB?
Step1 |
Consultation Select a branch of the Bank convenient for you in your location and make an appointment with a Bank’s specialist. During the meeting, a Bank specialist will familiarize you with the list of documents required for obtaining a loan, advise on their form and content and answer all your questions. |
Step2 |
Collection of documents and execution of a loan application Collect a complete package of required documents. At the meeting, together with a Bank specialist, fill out a loan application for a loan and submit a full package of the required documents. The Bank’s specialist will register a loan application and provide you with a certificate confirming that your loan application has been registered and the submitted package of documents has been accepted for consideration according to the established procedure. |
Step3 |
Consideration of a loan application and decision-making by the Bank according to the established procedure The period from the date of receiving by the Bank of a loan application for a loan for fixed capital assets with the attachment of a full package of required documents and the date of the Bank’s decision on the loan application will not exceed the period established by the legislation of the Republic of Uzbekistan. The term for considering a loan application and a decision-making depends on the completeness of the set of documents provided by you. Show the Bank specialist your company and property offered as collateral. |
Step4 |
Conclusion of a loan agreement and registration of collateral In case of a favorable decision of the Bank, you shall sign a loan agreement and arrange loan collateral in compliance with the established procedure. |
Step5 |
Getting a loan The loan is issued by opening a separate loan account and payment of your payment orders from this account by the bank transfer. |