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BUSINESS

Anorbank

Anor Bank
Anor Rassrochka
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Mortgage for business

Acquire residential and non-residential property on credit to establish or expand your business on favourable conditions

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Conditions

Loan term - 84 months

Interest rate - 13% per annum

Loan currency - US Dollars

Loan conditions

Purpose of the loan

Acquisition of residential and non-residential immovable property from the secondary market for entrepreneurial activity, by selling foreign currency funds to the Bank (sumarisation) for intra-republican settlements.

Maximum amount under the loan product

In the amount not exceeding 25 per cent (twenty-five per cent) of the Tier 1 capital of the Bank.

Loan term

Not more than 84 (eighty-four) months

Type of loan

Without opening a credit line

Credit currency

US dollars

Interest rate on term debt*

The loan is issued at 10% (ten) per annum.

Interest rate on overdue debt (on the principal debt)

15% (fifteen) per annum.

Grace period on the loan

Not provided for.

Repayment schedule of principal and interest on the loan

Differentiated or annuity payments.

Borrower's own participation in the project

Not less than 25% of the acquisition cost of the immovable property.

Collateral**

The following types of collateral shall be provided to secure the loan:

Special terms

1. In the form of pledge of immovable property to be acquired at the expense of credit funds in the amount of 100% of the acquisition cost. The Borrower is obliged to conclude and submit to the Bank duly executed pledge agreements, as well as an insurance agreement confirming the insurance of the subject of pledge for the entire crediting period prior to the opening of financing.

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 0.02% (zero point two 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.

Borrower requirements

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;

Security requirements

List of documents for obtaining a loan

1. Loan application specifying the amount, term, interest rate, purpose, down payment and collateral;
2. Minutes of the meeting of the founders on obtaining a loan, provision of collateral and authorisation of the director/responsible persons to sign the loan and collateral documentation (original);
3. Financial statements (balance sheet, statement of financial results, breakdown of overdue receivables and payables) for the last financial year and operational financial statements as of the last reporting date. 4. Project questionnaire indicating projected cash flows and major expenditures during the crediting period or Business Plan indicating cash flows and outflows during the crediting period;
4.Project Questionnaire indicating projected cash flows and major expenditures during the loan period or a Business Plan indicating cash flows and outflows during the loan period;
5. 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;
6. Preliminary contract for the acquisition of residential or non-residential immovable property;
7. Documents on the right of ownership of the property to be pledged;
8. Other documents at the request of the bank;
For individual entrepreneurs:
1. Application for a loan;
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 obligations), if the main/secondary deposit account of the Borrower is serviced in other banks;
3. Preliminary agreement for the purchase of residential or non-residential immovable property;
4. Other documents at the bank's request

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.

Loan granting procedure

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.
The loan is granted by transferring funds to the seller's account after the Borrower makes a prepayment and fully fulfils all current loan conditions.

Calculate the loan

When choosing a car loan from the secondary market, the loan term and down payment depend on the year of manufacture of the vehicle

“Данные условия доступны для клиентов обслуживающихся по добровольным пакетным услугам “Стимул AVTO”. Заемщик оплачивает ежемесячную плату за услугу в зависимости от выбранного пакета”

When choosing a car loan from the secondary market, the loan term and down payment depend on the year of manufacture of the vehicle

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