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“SOLAR ENERGY”

Branch network of JSCB “Kapitalbank”
Location address of the branch network of JSCB “Kapitalbank”
Contact phone - 78 148-40-27
Loan amount: up to 300,000,000 soums
Interest rate per annum: from 21% in UZS / from 10% in USD
Loan term: up to 120 months
Grace period: up to 6 months
JSCB Kapitalbank provides “Solar energy” for the purchase, delivery, installation and mounting:
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)

«BUSINESS IPOTEKA»

Branch network of JSCB "Kapitalbank"

Location address of the branch network of JSCB "Kapitalbank"

Contact phone - 78 148-40-27

INFORMATION ABOUT THE CREDIT PRODUCT

Start date is from: January 30, 2023.

Loan purpose:

1. Acquisition of residential real estate, including payment of consulting/real estate services and insurance premiums of collateral property located in the cities of Tashkent, Nukus, Kokand, as well as Kibrai, Bustanlyk, Zangiata, Parkent, Urtachirchik and Tashkent districts of Tashkent region, and in the central cities of the regions.

2. Acquisition of non - residential real estate, including payment of consulting/real estate services and insurance premiums of collateral property located in the cities of Tashkent, Nukus, Kokand, as well as Kibrai, Bustanlyk, Zangiata, Parkent, Urtachirchik and Tashkent districts of Tashkent region, and in the central cities of the regions.

3. Acquisition of residential and non-residential real estate under an investment agreement, including payment of consulting/real estate services and insurance premiums of collateral property located in the cities of Tashkent, Nukus, Kokand, as well as Kibrai, Bustanlyk, Zangiata, Parkent, Urtachirchik and Tashkent districts of Tashkent region, and in the central cities of the regions.


Loan currency - US dollar, by selling these currency funds to the Bank (sumarization) for internal republican settlements.

Maximum amount of loans issued by the Bank to one Borrower or a group of related borrowers for all credit operations - Equivalent to up to 2.500.000.000.00 (two billion five hundred million) sums (including) in US dollars at the exchange rate of the Central Bank of the Republic of Uzbekistan on the day the decision to grant the loan is made.

Loan period - Up to 120 months (including).

Favorable interest rate.

Repayment of the main debt on the loan and accrued interest - Repayment of the main debt is carried out monthly, starting from the last day of the first month from the date of conclusion of the loan agreement, but no later than the 20th day of each calendar month. The sum of the main debt and accrued interest are repaid by annuity payments (annuity method). If the payment date falls on a non-working bank day, the repayment is deferred to the next bank working day. Concurrently, if the repayment date of the last loan payment falls on a non-working day, the repayment of the last payment is set for the previous working day.

LOAN SECURITY

Loans must be secured at least 125% of the loan amount.

A pledge of property in the form of real estate and/or a pledge of funds on a special account is accepted as security.

The Borrower undertakes to insure the collateral for the complete time period of the loan agreement.


REQUIRED CONDITIONS FOR OBTAINING A LOAN

Requirements for a potential Borrower:
1) Business entities: legal entities and Individual Entrepreneurs who have passed state registration in the prescribed manner.
2) Availability of a main/secondary demand deposit account with JSCB "Kapitalbank" in accordance with the requirements of the Credit Policy of JSCB "Kapitalbank";
3) Absence of a negative credit history, in accordance with the requirements of the Credit Policy of JSCB "Kapitalbank";
4) Sufficiency of projected cash flows for the credited project;
5) Required work experience of a potential borrower in the business being financed for at least 6 months;
6) Availability of relevant permits, confirmations of acceptance of notifications and licenses for the activities carried out, if the credited activity is subject to licensing;
7) Other requirements for a potential borrower, collateral and conditions for obtaining a loan are regulated by the Bank's Credit Policy and other internal local acts of the bank in the field of lending.

The procedure for the implementation of the loan product - Provision of a loan is carried out in accordance with the Bank's Credit Policy, other internal acts of the Bank in the field of lending and the current legislation of the Republic of Uzbekistan after the conclusion and provision of a duly executed security to the bank in accordance with the terms of the loan agreement. Issuance of a loan is carried out in a non-cash form, by transferring credit funds to the account of the seller of real estate. This loan product does not provide for the financing of projects of state programs for the socio-economic development of regions, including the financing of preschool educational institutions, associations of private homeowners.

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:

  • Patent (Certificate of registration)
  • Passport

If necessary, additional documents may be requested from the Client.

Support documents:

  • Real estate: Copy of the cadastre and owner’s passport
  • Vehicles: Copy of those passports and owner’s passport

«WORKING CAPITAL»

Branch network of JSCB “Kapitalbank”

Location address of the branch network of JSCB “Kapitalbank”

Contact phone - 78 148-40-27

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
  • make seasonal purchases
  • expand business, etc.

Basic conditions

CREDIT AMOUNT – In national currency - up to 2.5 billion soums;
                      – In foreign – The equivalent of the amount in USD/EURO, equal to the amount of 2.5 billion soums (inclusive).

CREDIT CURRENCY - in national and foreign currencies.

CREDIT PERIOD - up to 36 months.

CREDITS FOR TURNOVER CAPITAL ARE PROVIDED IN THE FORM OF:

  • Credit without opening a credit line*
  • With the opening of a revolving credit line

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 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, penalties and commissions for early repayment are not charged.

  • real estate;
  • jewelry;
  • vehicles;
  • deposit (in national and/or foreign currency);
  • special equipment;
  • equipment;
  • third party guarantee;
  • an insurance policy on insurance in favor of a commercial bank of the risk of non-repayment by the borrower of the received credit;
  • other liquid property.

Other types of collateral that are not prohibited by the legislation of the Republic of Uzbekistan may also serve as collateral for the credit, incl. guarantee of the State Fund for the Support of Entrepreneurship.

Combined provision is possible.

Combined deposit possible. Pledge is accepted for a total amount of 125% of the credit amount with a discount**. The size of the discount depends on the type of property, its value and the credit period.

* Credit without opening a credit line - Issuance of a credit is carried out by a single payment of the entire credit amount or is made in several tranches within the credit amount (set limit of issue). Revolving credit line - Issuance and repayment of a credit is made repeatedly within the established debt limit (the maximum amount of a lump-sum debt) and within a 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 size of the discount depends on the type of property, its value and the credit period.

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”.

Place of registration and business in the region of presence of 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:

  • Patent (Certificate of registration)
  • Passport;

If necessary, additional documents may be requested from the Client.

Support documents:

  • Real estate: Copy of the cadastre and owner’s passport
  • Vehicles: Copy of those passports and owner’s passport

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 - 78 148-40-27

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
  • other modes of transport used in business

Basic conditions

CREDIT AMOUNT – In national currency - up to 2.5 billion soums;
                         – In foreign – The equivalent of the amount in USD/EURO, equal to the amount of 2.5 billion soums (inclusive).

CREDIT CURRENCY - in national and foreign currencies.

CREDIT PERIOD - up to 60 months.

CREDITS ARE PROVIDED IN THE FORM OF:

  • Credit without opening a credit line*
  • With the opening of a revolving credit line

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 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, penalties and commissions for early repayment are not charged.

  • real estate;
  • jewelry;
  • vehicles;
  • deposit (in national and/or foreign currency);
  • special equipment;
  • equipment;
  • third party guarantee;
  • an insurance policy on insurance in favor of a commercial bank of the risk of non-repayment by the borrower of the received credit;
  • other liquid property.

Other types of collateral that are not prohibited by the legislation of the Republic of Uzbekistan may also serve as collateral for the credit, incl. guarantee of the State Fund for the Support of Entrepreneurship.

Combined provision is possible.

Combined deposit possible. Pledge is accepted for a total amount of 125% of the credit amount with a discount**. The size of the discount depends on the type of property, its value and the credit period.

* Credit without opening a credit line - Issuance of a credit is carried out by a single payment of the entire credit amount or is made in several tranches within the credit amount (set limit of issue).
** 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 the credit period.

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”.

Place of registration and business in the region of presence of 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:

  • Patent (Certificate of registration)
  • Passport;

If necessary, additional documents may be requested from the Client.

Support documents:

  • Real estate: Copy of the cadastre and owner’s passport
  • Vehicles: Copy of those passports and owner’s passport

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;
                            – 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.

«FIXED CAPITAL»

Branch network of JSCB “Kapitalbank”

Location address of the branch network of JSCB “Kapitalbank”

Contact phone - 78 148-40-27

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
  • stock
  • other fixed assets used in business

Basic conditions

CREDIT AMOUNT – In national currency - up to 2.5 billion soums;
                           – In foreign – The equivalent of the amount in USD/EURO, equal to the amount of 2.5 billion soums (inclusive).

CREDIT CURRENCY - in national and foreign currencies.

CREDIT PERIOD - up to 60 months.

CREDITS FOR FIXED CAPITAL ARE PROVIDED IN THE FORM OF:

  • Credit without opening a credit line*
  • With the opening of a revolving credit line

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 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, 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:

  • real estate;
  • jewelry;
  • vehicles;
  • deposit (in national and/or foreign currency);
  • special equipment;
  • equipment;
  • third party guarantee;
  • an insurance policy on insurance in favor of a commercial bank of the risk of non-repayment by the borrower of the received credit;
  • other liquid property.

Other types of collateral that are not prohibited by the legislation of the Republic of Uzbekistan may also serve as collateral for the credit, incl. guarantee of the State Fund for the Support of Entrepreneurship.

Combined provision is possible.

Combined deposit possible. Pledge is accepted for a total amount of 125% of the credit amount with a discount**. The size of the discount depends on the type of property, its value and the credit period.

* Credit without opening a credit line - Issuance of a credit is carried out by a single payment of the entire credit amount or is made in several tranches within the credit amount (set limit of issue).
** 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 the credit period.

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”.

Place of registration and business in the region of presence of 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:

  • Patent (Certificate of registration)
  • Passport;

If necessary, additional documents may be requested from the Client.

Support documents:

  • Real estate: Copy of the cadastre and owner’s passport
  • Vehicles: Copy of those passports and owner’s passport

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.

«MICROCREDIT TO INDIVIDUAL ENTREPRENEURS IN CASH»

For carrying out the entrepreneurial activity

Basic conditions

CREDIT AMOUNT - In national currency - up to 1 billion soums (inclusive).

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 6 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:

  • real estate;
  • jewelry;
  • vehicles;
  • deposit (in national and/or foreign currency);
  • special equipment;
  • equipment;
  • third party guarantee;
  • an insurance policy on insurance in favor of a commercial bank of the risk of non-repayment by the borrower of the received credit;
  • other liquid property.

Other types of collateral not prohibited by the legislation of the Republic of Uzbekistan may also serve as collateral for the credit.
Combined deposit possible. Pledge is accepted for a total amount of 125% of the credit amount with a discount**. The size of the discount depends on the type of property, its value and the credit period.

* Credit without opening a credit line - Issuance of a credit is carried out by a single payment of the entire credit amount or is made in several tranches within the credit amount (set limit of issue). Revolving credit line - Issuance and repayment of a credit is made repeatedly within the established debt limit (the maximum amount of a lump-sum debt) and within a 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 size of the discount depends on the type of property, its value and the credit period.

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:

  • Patent (Certificate of registration)
  • Passport;

If necessary, additional documents may be requested from the Client.

Support documents:

  • Real estate: Copy of the cadastre and owner’s passport
  • Vehicles: Copy of those passports and owner’s passport

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.


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