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For identification you will need your passport details.
Fill out an application for the credit through the Remote Service channels, attach scanned copies of all necessary documents and send them to the bank by pressing a button.
If the customer's package of documents is full and there are no comments from the bank, the bank will consider the application for a credit up to 10 days depending on the planned project specifics.
You can see the full list of documents required for the bank to receive the credit on the official information resources of the bank.
The bank accepts liquid collateral (real and personal property) as the credit support, as well as other collateral provided for by the Law of the Republic of Uzbekistan.
Credit funds can be spent on the development and expansion of entrepreneurial activities, including the acquisition of fixed and circulating assets.
The credit is repaid according to the schedule agreed between the customer and the bank.
Outstanding credit amounts result in overdue debt, which is the subject for higher interest rates and penalty.
The bank will recover the credit at the expense of collateral.
A credit product is a program of cooperation with a customer developed and approved by the bank, which provides credit granting.
Information about the bank's credit products is available on all information resources of the bank.
Credit reputation is a dossier on you as a borrower. It reports how much and when you borrowed. It specifies the way you paid (on time or delayed). It tells, if you applied to other banks. A favorable credit reputation increases the chances for credit receipt.
A part of credit provided to the borrower under the loan agreement.
The term of the tranche depends on the credit line. For example, a credit line for investment purposes requires up to 36 months. The working one requires 18 months.
Any individual or legal entity.
Yes, we do. We come, inspect and photograph the collateral object. The meeting takes no more than half an hour.
No, it won't. The owner of the collateral object does not change, there is only ban imposed. This means, that the object can not be sold or leased with no bank's consent.
Collateral is a guarantee that the bank will receive money even if the borrower does not repay the credit. In case of delayed payments or refusal to repay the debt, the bank is entitled to sue and demand the collection of a collateral object against the debt.
Collection of a collateral object is an extreme measure. It is more profitable for the bank to receive money from the borrower and not waste time dealing with the object of collateral.