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List of documents for legal entities:

  • Copy of the Charter;
  • Registration certificate;
  • Balance sheet (form No. 1 and No. 2) for the last reporting period.

Security documents:

  • Property: Copy of the cadastre and owner's passport.

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

List of documents for individual entrepreneurs:

  • Patent (certificate of registration);
  • Passport.

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

“BUSINESS MORTGAGE”

Branch network of “Kapitalbank” JSCB in Tashkent.
Location of the branch network of “Kapitalbank” JSCB in Tashkent.
Contact phone numbers of small loan divisions of the branch network of “Kapitalbank” JSCB.

INFORMATION ABOUT THE LOAN PRODUCT

The start date is August 12, 2022.
Purpose of the loan – Acquisition of real estate located in the city of Tashkent for business purposes.
Loan currency – US dollar, through selling these currency funds to the Bank (summarization) for intra-republican settlements.
The total maximum amount of loans issued by the Bank to one Borrower or a group of related borrowers for all loan operations – the equivalent of up to UZS 2,500,000,000.00 (two billion five hundred million), inclusive, in US dollars at the rate of the Central Bank of the Republic of Uzbekistan on the date of the decision to grant a loan.
Loan term - up to 96 months (inclusive).
Interest rate - 8% per annum.
Repayment of principal on the loan and accrued interest – repayment of principal 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 amount of principal and accrued interest are repaid by annuity payments (annuity method). If the payment date falls on a non-working banking day, the repayment is postponed to the next banking business day. But in this case, if the date of repayment of the last loan payment falls on a non-working day, the repayment of the last payment is set on the previous business day.

LOAN SECURITY

Loans must be secured for at least 125% of the loan amount.
1) With the Borrower's own participation in the amount of at least 30% of the cost of real estate, the loan is secured by:
a) a pledge of the acquired real estate at an agreed collateral value in the amount of not more than 80% of the purchase price;
b) an insurance policy in favor of the Bank covering the risk of non-repayment of the loan on terms satisfactory to the Bank in the amount of not more than 10.7% of the loan amount.
2) If the Borrower's own participation is less than 30% and/or in the case of no participation, for the unsecured loan amount, the Borrower provides additional collateral (in addition to the pledge of the acquired real estate) in the form of real estate and/or jewelry at an agreed collateral value in accordance with the “Kapitalbank” JSC’s  Credit Policy.
3) In addition to the acquired real estate, the loan may be secured by other property in the form of real estate and/or jewelry at an agreed collateral value in accordance with the “Kapitalbank” JSC’s  Credit Policy, the total amount of security must be at least 125% of the loan amount.
When providing real estate to be acquired or real estate being additional security as collateral, permanent registration of individuals is not allowed at their addresses.
In this case, the basis for determining the agreed collateral value of pledged property should not exceed the recommended market value of the Collateral Expertise Sector under the Corporate Lending Underwriting Department. The agreed collateral value of the property is set in US dollars at the exchange rate of the Central Bank of the Republic of Uzbekistan on the date of the decision.
In case of accepting cash in a currency identical to the loan currency as collateral, the collateral must be at least 100% of the amount of the requested loan / the balance of loan obligations (including off-balance sheet obligations) / with partial collateral – the secured part of the loan.
If cash in a currency other than the loan currency is accepted as collateral, the main collateral must be at least 112% of the amount of the requested loan of the balance of loan obligations (including off-balance sheet liabilities) / with partial collateral – the secured part of the loan.
The borrower undertakes to insure the collateral for the entire term of the loan agreement. The frequency of payment of the insurance premium under insurance contracts for the risk of non-repayment of the loan and/or for collateral property is determined by the Credit Committee for Small Loans, but not less than 12 months.

CONDITIONS FOR OBTAINING A LOAN

Requirements for a potential Borrower:
1) Business entities (legal entities and individuals who have passed state registration in the prescribed manner and carry out business activities), registered in accordance with the procedure established by law;
2) Availability of a main/secondary demand deposit account with “Kapitalbank” JSCB in accordance with the requirements of the “Kapitalbank” JSC’s  Credit Policy;
3) Lack of negative credit history pursuant to the requirements of the “Kapitalbank” JSC’s  Credit Policy;
4) Sufficiency of projected cash flows for the credited project;
5) Required experience of a potential borrower in the business being financed for at least 6 months;
6) Availability of relevant permits, confirmations 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 – the loan is granted in accordance with the Bank's Credit Policy, other local acts of the Bank in the field of lending and the current legislation of the Republic of Uzbekistan. After the arrangement and submission to the bank of a properly executed security in accordance with the terms of the loan agreement. The loan is issued in a non-cash form by transferring loan funds to the account of the seller of real estate. This loan product does not provide for financing of state program projects for the socio-economic development of regions, including the financing of preschool educational institutions, private homeowners’ associations.

“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 2,5 billion soums;
                             - Foreign - An equivalent to the amount in dollars of USD; USA / EURO, equal to the amount of 2,5 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 2,5 billion soums;
                            - Foreign - An equivalent to the amount in dollars of USD; USA / EURO, equal to the amount of 2,5 billion soums (inclusive)
CREDIT CURRENCY - in national and foreign currency.
CREDIT TERM - up to 36 months.
FIXED 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 2,5 billion soums;
                            - Foreign - An equivalent to the amount in dollars of USD; USA / EURO, equal to the amount of 2,5 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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