Business support

Purpose of the loan

To cover operating costs and business expenses arising from relationships with insurance organisations.

Maximum loan amount

In an amount not exceeding 25 per cent (twenty-five per cent) of the bank's Tier 1 capital.

Type of lending

Without opening a line of credit.

Credit currency

The national currency of the RUz - sum.

Maximum term of the loan

Not more than 24 (twenty-four) months.

Interest rate on term debt (on the principal debt)*

The loan is issued at 21% (twenty-one) per annum.

Interest rate on overdue debt (on principal debt)

31.5% (thirty-one point five per cent) per annum.

Grace period on the loan

Not foreseen.

Loan principal and interest repayment schedule

Differential or annuity payments.

Provision

1. The loan must be secured for an amount of at least 125% in the form of a loan default risk insurance policy. The Borrower must conclude an insurance contract and submit to the Bank an insurance policy of the loan default risk for the entire crediting period prior to the opening of financing.
2. As an additional security of the loan, a guarantee of the head and founders (shareholders and/or owners) of the borrower for 125% of the loan amount must be provided.

Special conditions

The Borrower shall: In 3 days from the date of loan disbursement to ensure daily cash balance on demand deposit accounts in the national currency opened with ANOR BANK JSC, the amount of not less than 50% of the loan debt balance (principal debt) serviced with ANOR BANK JSC.

Liability for failure to comply with the "Special Conditions"

In case of default by the Borrower, the Bank shall charge a daily penalty for each calendar day at the rate of 0.07% (zero point seven hundredths) per cent per day to the unfulfilled part of the obligation specified in clause "Special Terms and Conditions". The penalty shall be charged monthly not later than on the 5th day of each previous calendar month for the actual number of days for which the obligation was not fulfilled.

Who can get a loan

1. Subjects of entrepreneurship are legal entities and individual entrepreneurs registered in the order established by the legislation of the RUz;
2. Availability of demand deposit account in ANOR BANK JSC. 3;
3. absence of negative credit history;
4. Availability of relevant permits and licences for the activities carried out, if the borrower's activities are subject to licensing;

List of documents for obtaining a loan

1. Loan Application;
2. Minutes of the meeting of the founders on obtaining a loan, provision of collateral and authorisation of the director/responsible persons to sign loan and collateral documentation (original);
3. Statement of cash flow on accounts opened with other banks for the last 12 months, information on the presence/absence of Card Library - 2, information on loan indebtedness (loans, guarantees, letters of credit, leasing and other financial liabilities), if the Borrower's primary/secondary deposit account is maintained with other banks;
4. Other documents as requested by the bank;
For sole proprietors:
1. Loan Application;
2. Statement of cash flow on accounts opened with other banks for the last 12 months, information on the presence/absence of Card Library - 2, information on loan indebtedness (loans, guarantees, letters of credit, leasing and other financial liabilities), if the Borrower's primary/secondary deposit account is maintained with other banks;
3. Other documents at the request of the bank

Procedure for realisation of the loan product

It is carried out 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.

Mandatory loan conditions

The loan is granted after approval of the loan transaction by the relevant authorised bodies of the bank, conclusion of the loan agreement and execution of collateral in the order and form satisfactory to the bank and in accordance with the current legislation of RUz.

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BUSINESS

Anorbank

Business support

Loan conditions

Borrower requirements

Security requirements

Loan granting procedure

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Business support

Loan conditions

Borrower requirements

Security requirements

Loan granting procedure

Calculate the credit

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Your application is accepted

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