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Calculation

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Calculate your loan

The calculation is preliminary. You will be provided with exact loan terms and conditions in one of the branches of the bank.

“WORKING CAPITAL”

Working capital 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 2 billion soums;
                             - Foreign - An equivalent to the amount in dollars of USD; USA / EURO, equal to the amount of 2 billion soums (inclusive)
CREDIT CURRENCY - in national and foreign currency.
CREDIT TERM - up to 18 months.
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
  • Credit without opening a credit line *
  • With the opening of a revolving credit line (revolving credits)
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 6 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.
SECURITY FOR CREDIT - collateral can be a pledge of property, including personal and third parties - both legal entities and individuals:
  • the property;
  • jewelry;
  • vehicles;
  • deposit (in national and / or foreign currency);
  • special machines;
  • equipment;
  • guarantee of a commercial bank or insurance company;
  • surety of a third party;
  • insurance policy on insurance in favor of a commercial bank of the risk of non-repayment of the credit by the borrower;
  • other liquid property.
Also, other types of collateral that are not prohibited by the legislation of the Republic of Uzbekistan can act as collateral for a credit, incl. surety of the State Fund for the Support of Entrepreneurship.
Combined provision is possible.

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.
* 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.
** Discount - markdown as a percentage of the value of the property to determine the collateral value. The amount of the discount depends on the type of property, its value and credit term.

Basic requirements for a potential borrower

Business entities (legal entities, individual entrepreneurs and individuals carrying out entrepreneurial activities without forming a legal entity) 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
The term of work and official registration of the business is not less than 6 months is welcome.
Enterprises operating at a loss and having an illiquid balance sheet are not eligible for credits.

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.


The Bank's specialists will assist you in making all the steps related to getting a loan for fixed assets

“FIXED CAPITAL”

Credits for fixed capital are provided for the development and modernization of production, increase in production capacity, business expansion, etc.

Within the framework of the Fixed Capital Credit, you can purchase:

  • equipment for various purposes
  • the property
  • inventory
  • other fixed assets used in business

Basic conditions

CREDIT AMOUNT - In the national currency - up to 2 billion soums;
                            - Foreign - An equivalent to the amount in dollars of USD; USA / EURO, equal to the amount of 2 billion soums (inclusive)
CREDIT CURRENCY - in national and foreign currency.
CREDIT TERM - up to 36 months.
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
  • Credit without opening a credit line *
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 6 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.
SECURITY FOR CREDIT - collateral can be a pledge of property, including personal and third parties - both legal entities and individuals:
  • the property;
  • jewelry;
  • vehicles;
  • deposit (in national and / or foreign currency);
  • special machines;
  • equipment;
  • guarantee of a commercial bank or insurance company;
  • surety of a third party;
  • insurance policy on insurance in favor of a commercial bank of the risk of non-repayment of the credit by the borrower;
  • other liquid property.
Also, other types of collateral that are not prohibited by the legislation of the Republic of Uzbekistan can act as collateral for a credit, incl. surety of the State Fund for the Support of Entrepreneurship.
Combined provision is possible.

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.
* 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).
** Discount - markdown as a percentage of the value of the property to determine the collateral value. The amount of the discount depends on the type of property, its value and credit term.

Basic requirements for a potential borrower

Business entities (legal entities, individual entrepreneurs and individuals carrying out entrepreneurial activities without forming a legal entity) 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
The term of work and official registration of the business is not less than 6 months is welcome.
Enterprises operating at a loss and having an illiquid balance sheet are not eligible for credits.

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.


The Bank's specialists will assist you in making all the steps related to getting a loan for fixed assets

“TEZKOR AUTO”

Credits for the purchase of motor vehicles are provided for the development of activities, business expansion, etc.

Within the framework of the Credit, you can purchase on motor vehicles:

  • a car
  • truck
  • special machines
  • other types of transport used in business

Basic conditions

CREDIT AMOUNT - In the national currency - up to 2 billion soums;
                            - Foreign - An equivalent to the amount in dollars of USD; USA / EURO, equal to the amount of 2 billion soums (inclusive)

CREDIT CURRENCY - in national and foreign currency.
CREDIT TERM - up to 36 months.
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
  • Credit without opening a credit line *
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 6 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.
OWN PARTICIPATION OF THE POTENTIAL BORROWER - The potential borrower, at his own expense, makes an advance payment of at least 25% of the purchase price of each unit of property (only for light vehicles) before the credit is granted
SECURITY FOR CREDIT - collateral can be a pledge of property, including personal and third parties - both legal entities and individuals:
  • property;
  • jewelry;
  • vehicles;
  • deposit (in national and / or foreign currency);
  • special machines;
  • equipment;
  • guarantee of a commercial bank or insurance company;
  • surety of a third party;
  • insurance policy on insurance in favor of a commercial bank of the risk of non-repayment of the credit by the borrower;
  • other liquid property.
Also, other types of collateral that are not prohibited by the legislation of the Republic of Uzbekistan can act as collateral for a credit, incl. surety of the State Fund for the Support of Entrepreneurship.
Combined provision is possible.

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.
* 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).
** Discount - markdown as a percentage of the value of the property to determine the collateral value. The size of the discount depends on the type of property, its value and credit term.

Basic requirements for a potential borrower

Business entities (legal entities, individual entrepreneurs and individuals carrying out entrepreneurial activities without forming a legal entity) 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
The term of work and official registration of the business is not less than 6 months is welcome.
Enterprises operating at a loss and having an illiquid balance sheet are not eligible for credits.

"QUICK SOLUTION - DEALER"

Credits "QUICK SOLUTION - DEALER" are provided for the development of trade, increasing the range of goods by purchasing them under a dealer agreement/contract from manufacturers of products.

Within the framework of this Credit, You, as a Dealer of products, can purchase assorted goods from the manufacturer under a dealer agreement/contract.

Basic conditions

CREDIT AMOUNT - no more than 50% of the average monthly amount of funds received over the past three months on a deposit account on demand of a potential "Borrower" from the sale of goods purchased from the relevant Manufacturer.
CREDIT CURRENCY - in national and foreign currency.
CREDIT TERM - up to 12 months.
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
  • Credit without opening a credit line *
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.
SECURITY FOR CREDIT - Guarantee of the manufacturer of the goods purchased under a dealer agreement using a credit within the framework of this credit, in the amount of at least 125% of the credit amount.
* 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).

Basic requirements for a potential borrower

Business entities (legal entities, individual entrepreneurs and individuals carrying out entrepreneurial activities without forming a legal entity) registered in the manner prescribed by the legislation of the Republic of Uzbekistan.
Having an active 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
The term of work and official registration of the business is not less than 6 months is welcome.
Enterprises operating at a loss and having an illiquid balance sheet are not eligible for credits.
The presence of a letter of recommendation from the manufacturer of goods purchased under a dealer agreement in a form that satisfies the Bank.

"QUICK SOLUTION - RETAIL"

Credits "QUICK SOLUTION - RETAIL" are provided for the development of trade, increasing the range of goods by purchasing them from the official Dealer of the products of the manufacturing company for further retail sale.

Within the framework of this Credit, You, as an entrepreneur, can purchase assorted goods from the Dealer of the manufacturer under a contract.

Basic conditions

CREDIT AMOUNT - no more than 50% of the average monthly amount of funds received over the past three months on a deposit account on demand of a potential "Borrower" from the sale of goods purchased from the relevant official Dealer of the products of the manufacturing company.
CREDIT CURRENCY - in national and foreign currency.
CREDIT TERM - up to 12 months.
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
  • Credit without opening a credit line *
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.
SECURITY FOR CREDIT - Guarantee of the official dealer of the products of the manufacturer of the goods purchased using a credit under this credit, in the amount of at least 125% of the credit amount.
* 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).

Basic requirements for a potential borrower

Business entities (legal entities, individual entrepreneurs and individuals carrying out entrepreneurial activities without forming a legal entity) 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
The term of work and official registration of the business is not less than 6 months is welcome.
Enterprises operating at a loss and having an illiquid balance sheet are not eligible for credits.
The presence of a letter of recommendation from the official Dealer of the products of the manufacturer of goods purchased under a dealer agreement in a form that satisfies the Bank.

"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;
                            - In foreign currency - up to 10,000 dollars of USD; USA
CREDIT CURRENCY - in national currency.
CREDIT TERM - up to 12 months.
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
  • Credit without opening a credit line *
  • With the opening of a revolving credit line (revolving credits)
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
SECURITY FOR CREDIT - collateral can be a pledge of property, including personal and third parties - both legal entities and individuals:
  • vehicles;
  • deposit (in national and/or foreign currency);
  • insurance policy on insurance in favor of a commercial bank of the risk of non-repayment of the credit by the borrower;
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.
* 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.
** Discount - markdown as a percentage of the value of the property to determine the collateral value. The amount of the discount depends on the type of property, its value and credit term.

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.

«MICROCREDIT TO ENTREPRENEURS OF INDIVIDUAL REGIME IN THE FORM OF CASH»

For dischargement / execution of activities of business

Cardinal conditions

AMOUNT OF THE LOAN - In the national currency - up to 300.0 million soums (inclusive).
CURRENCY OF THE LOAN - in national currency.
PERIOD (TERM) OF THE LOAN - up to 12 months.
LOANS OF WORKING CAPITAL ARE ALL FURNISHED IN THE FORM OF CASH.
FORM OF LOAN: Loans without formation of a revolving line of credit, provided within the framework of the credit line (RKL).
RE-PAYMENT OF INTERESTS OF THE LOAN- on monthly basis. Interest of the loan is calculated on the existing actual balance of the debt of the loan.
RE-PAYMENT OF THE AMOUT OF THE LOAN - on monthly basis, upon re-payment of the major debt, the major amount as well as the accrued interest are re-paid by annuity payments (annuity method).
PROVISION OF SECURITY FOR THE LOAN – Provision of the security can be considered as a pledge of property, which includes private and third parties - legal entities / individuals:
  • Property;
  • Jewelry;
  • Vehicles;
  • deposit (in national / foreign currency);
  • Special type of machines;
  • Equipment;
  • Guarantee of the commercial bank / insurance company;
  • Surety of the third party;;
  • A policy of insurance regarding the insurance for the advantage of a commercial bank of the risk of non-re-payment of the loan by the side of the borrower;
  • Other property that can be liquated
Additionally, other kinds of provisions which are not restricted by the legislation of the Republic of Uzbekistan may act as provision for a loan, including surety of the State Fund of the Support of Entrepreneurship.
Combined provision is also possible.
The provision is accepted for a total amount of 125% of the amount of the with discount **. The amount of the discount is surely dependent on the type of the property, its value as well as the term / period of the loan.
* Loan with no formation of the line of the loan - The loan is issued by a that is made once only of the entire loan amount / made in several tranches within the amount of the loan (the established limit of issuing). Revolving line of the credit - Loans are issued and re-paid again within the established limit of the debt (sum limit) and within the period that is strictly specified. Furthermore, while forming a revolving line of the loan, an additional one-time commission is charged which is established by the tariff of the Bank. Commission is not charged for unused limit of the credit line.
** Discount - a marking assessment as a percentage of the value of the property to identify the value of the provision. The amount of the discount is dependent on the kind of the property, its value as well as the term / period of the loan.

Cardinal requirements for a potential borrower

Individual entrepreneurs which are registered according to the procedure established by the legislation of the Republic of Uzbekistan;
Availability of a primary / secondary deposit account on request with JSCB "Kapitalbank" in accordance with the requirements of the Policy of the Loans of JSCB "Kapitalbank";
No presence of negative history of loan, in accordance with the requirements of the Policy of the Loans of JSCB "Kapitalbank";
Adequacy of projected cash flows for the project that is loaned;
Indispensable experience of work of a potential borrower in the lent business for a minimum period of 6 months;
Availability of appropriate permits, permits as well as licenses for the activities which are discharged (on condition the credited activity is to licensing);

All the other requirements for a potential borrower, provision and conditions to obtaining the loan are supervised by the Policy of Loans of the Bank together with other local acts (enactments) of the bank in the area of lending.

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.

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