Type and name of credit product:

Allocation of loans to business entities through the foreign credit line "Simbiotics"

Requirements for the borrower:

Business entities (enterprises and organizations with the status of a legal entity, as well as individual entrepreneurs) that are residents of the Republic of Uzbekistan

Loan currency

National currency of the Republic of Uzbekistan - sum

US Dollars

Loan amount

Up to 2,000,000.00 US dollars

When allocated in national currency - within these limits up to the amount equivalent in US dollars

Loan purpose

• · To replenish working capital

• · To acquire fixed assets

Loan term

Up to 36 months (grace period of up to 6 months) for replenishing working capital

Up to 60 months (grace period of up to 12 months) for acquiring fixed assets

Interest rate

In sum equivalent - 28-30%

In US dollars - 12-14%

Form of provision

By money transfer

The loan is not allocated for the following purposes:

• Production or export of tobacco or alcohol products;

• Sale of tobacco products or strong alcoholic beverages (except in cases where these activities are auxiliary to the main activity of the enterprise);

• Speculative investments in real estate or currency;

• Enterprises that harm the environment;

• Other types of activities prohibited by the credit policy;

Required documents

• Loan application;

• Founding documents, charter, certificate, information about the founders and management of the enterprise, minutes of the meeting on obtaining a loan and providing collateral;

• Contracts for goods, works, and services;

• Business plan;

• Balance sheet, statement of financial results in Form 1 and Form 2;

• Collateral documents;

Loan security

Liquid property, insurance policy, and other types of collateral that meet the bank's requirements, in the amount of at least 125% of the loan amount.

For loans allocated to individuals affiliated with the bank, collateral of 130% of the loan amount is accepted.

Procedure for loan repayment

Repayment of the loan and accrued interest is carried out by annuity or differentiated payment method in the manner and under the conditions established by the loan agreement.

Additional conditions

• The business entity receiving the loan must have a permanent place of business activity;

• Positive credit history;

• Positive indicators in the analysis of balance sheet and cash flows;