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  • About the loan
  • Calculator
To Replenish Working Capital

  • Loan purpose:

    Provision of enterprises exporting fabric, knitted fabric and ready-made garment and knitted products with working capital through revolving loans;

  • Loan form:

    Opened revolving loan facility;

  • Loan source:

    Resources of the Fund for Supporting Exports under Export Promotion Agency;

  • Loan currency:

    UZS (national currency of the Republic of Uzbekistan).

  • Loan term:

    up to 36 months;

  • Interest rate:

    5% per annum;

  • Maximum loan amount:

    Based on the export volume for the last 12 months, in the following amounts:
    • up to 1 million USD at export volume to 5 million USD;
    • up to 2 million USD at export volume from 5 to 10 million USD;
    • up to 3 million USD at export volume from 10 to 15 million USD;
    • up to 4 million USD at export volume from 15 to 20 million USD;
    • up to 5 million USD at export volume over 20 million USD

  • Loan repayment:

    monthly, fix or variable payments;

  • Eligible forms of collateral security:

    • collateral security of freely convertible and national currencies held in accounts opened with the bank;
    • collateral security of movable/ immovable property;
    • collateral security of real property rights;
    • other forms of collateral security not prohibited by applicable law.

  • Percentage of collateral security:

    At least 125% of loan amount.

  • Mandatory requirements for Borrowers:

    • must be engaged in the export of fabrics, knitted fabric and ready-made garment and knitted products;
    • must be registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan.
    • must have main demand deposit account in the bank;
    • must have no adverse loan history of the Borrower/Co-borrower/Guarantor;
    • must have no overdue loan liabilities.
    • must have relevant permits and licenses for the activities being carried out, in case if the Borrower's activities are subject to licensing;
    • must fulfill other requirements to the potential Borrower/Co-borrower/Guarantor, collateral security and conditions for obtaining loans shall be regulated by the Bank's Credit Policy and other local regulations of the Bank.

  • Opened financing procedure:

    Financing shall be opened upon approval of the Borrower's application by the Fund for Supporting Exports under Export Promotion Agency and submission of a duly executed and insured collateral security to the Bank.

  • List of documents to be submitted by the Borrower:

    • Loan Application Form contained all loan terms and collateral security;
    • Borrower's certificate of state registration;
    • copy of the Company’s Charter and constitution documents with all amendments;
    • copy of documents confirming the right of a person to sign a loan agreement on behalf of the borrower, in case the person is an authorized representative of the borrower, with specimen signatures.
    • financial statements including the balance sheet and profit and loss statement on the first date of the current month;
    • resolution of the Borrower/Co-borrower's authorized body on attraction of the required loan amount under appropriate conditions with provision of loan collateral security;
    • business plan indicating the forecast of cash receipts to the borrower's bank account (cash flow);
    • in case of available accounts in other banks, certificate of absence/presence of the borrower's debts according to Bank File №2, loans, leasing, letters of credit, and information on turnovers within the last 12 months in the form of a letter issued by the servicing bankwith an electronic version of transcript;
    • contracts to be paid under the requested loan;
    • documents on the provided collateral security.
To Finance Investment Projects

  • Loan purpose:

    Financing of major investment projects for production of fabrics, carpets, ready-made garment and knitted products, dyeing and finishing;

  • Loan source:

    Resources of the Fund for Reconstruction and Development;

  • Loan currency:

    USD;

  • Maximum loan amount:

    shall be determined based on the needs of the event being credited;

  • Loan term:

    up to 120 months, depending on the payback period of the project;

  • Grace period for principal loan amount payment:

    up to 36 months, depending on the payback period of the project;

  • Interest rate:

    • annual interest rate of 5% within the grace period, and
    • annual interest rate of 6% for the remaining period;
    • In case of failure to perform export obligations by the company, the loan interest accrued during the grace period shall be recalculated at a rate of 6% per annum;

  • Special requirements:

    • commitment to provide export in the amount of 50% of the total volume of production;
    • explain the importance of the participation of own funds, including buildings and constructions, working capital in the amount of not less than 30%;
    • no overdue loan liabilities.

  • Loan repayment:

    monthly, fix or variable payments;

  • Eligible forms of collateral security:

    • collateral security of freely convertible and national currencies held in accounts opened with the bank;
    • collateral security of movable/ immovable property;
    • collateral security of real property rights;
    • other forms of collateral security not prohibited by applicable law.

  • Percentage of collateral security:

    At least 125% of loan amount;

  • Mandatory requirements for Borrowers:

    • must be registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan;
    • must have main demand deposit account in the bank;
    • must have no adverse loan history of the Borrower/Co-borrower/Guarantor;
    • must have no overdue debts on loan obligations;
    • must have sufficient amount of the Borrower/Co-borrower/Guarantor's current cash flow for timely loan servicing;
    • must have liquid funds of the Borrower/Co-borrower/Guarantor and not unprofitable operation activities;
    • must have relevant permits and licenses for the activities being carried out, in case if the Borrower's activities are subject to licensing;
    • must fulfill other requirements to the potential Borrower/Co-borrower/Guarantor, collateral security and conditions for obtaining loans shall be regulated by the Bank's Credit Policy and other local regulations of the Bank.

  • Opened financing procedure:

    Financing shall be opened upon approval of the Borrower's application by the Fund for Reconstruction and Development, and submission of a duly executed and insured collateral security to the Bank.

  • List of documents to be submitted by the Borrower:

    • Loan application form contained all loan terms and collateral security;
    • Borrower's certificate of state registration;
    • Copy of the Company’s Charter and constitution documents with all amendments;
    • copy of documents confirming the right of a person to sign a loan agreement on behalf of the borrower, in case the person is an authorized representative of the borrower, with specimen signatures.
    • financial statements including the balance sheet and profit and loss statement on the first date of the current month;
    • resolution of the Borrower/Co-borrower's authorized body on attraction of the required loan amount under appropriate conditions with provision of loan collateral security;
    • project feasibility study indicating the forecast of cash receipts to the borrower's bank account (cash flow);
    • in case of available accounts in other banks, certificate of absence/presence of the borrower's debts according to Bank File №2, loans, leasing, letters of credit, and information on turnovers within the last 12 months in the form of a letter issued by the servicing bank with an electronic version of transcript;
    • contracts to be paid under the requested loan;
    • verification of contract price;
    • documents on the provided collateral security.
Calculate the amount of credit you will be able to get
Pre-scoring Loan calculation
Amount
UZS
Loan Period
Grace period
Down Payment
Calculation type
Commission for credit organization
UZS
Insurance payment
UZS
Other services(Notary, the evaluation of pledge property)
UZS

Payment schedule

Month Principal debt The interest on the loan Total repayment amount Balance
Total cost of the loan: %
Information sheet with calculation results Download

The calculation is preliminary.
The exact amount of the monthly payment will be determined by the Bank based on the results of the consideration of the application

sum
sum
sum
sum
The calculations are made on the basis of the data provided and may differ from the calculations made in the bank
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Expenses 0 sum
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Available loan amount 0 sum
Maximum amount for a credit product
Last page update: 03.05.2023 18:03
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Latest site update date: 04/25/2024 03:13:31 am

License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
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Правила выдачи кредитов частным лицам
Определение кредитоспособности заемщика
1.1. При выдаче кредита частному лицу банк проводит анализ кредитоспособности заемщика.
1.2. Кредитоспособность заемщика определяется на основании его финансовой и кредитной истории, а также текущей финансовой ситуации.
1.3. Для определения кредитоспособности могут быть использованы следующие критерии
Условия выдачи кредита
При выдаче кредита частному лицу банк устанавливает следующие условия:

  • сумма кредита;
  • процентная ставка;
  • срок погашения кредита;
  • график платежей
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To unblock the card, you must contact the bank branch where the card was opened  with your identity document.
SMS notification for the Uzcard card can be activated through an ATM. SMS notification for the Humo card is activated through the bank branch where the card was opened.
You can order all cards in national and foreign currency remotely using the Milliy App.
  • If you have forgotten your card PIN, please come with your identity document to the bank where the card was opened.
  • If you the card (UzCard/HUMO) is lost, you can block it yourself using the Milliy Bank App or call (78) 148-00 10 and ask the operators to block the card.
The identification procedure is carried out remotely, directly in the Milliy application itself. To do this, on the main screen in the application, click on the photo_2023-04-28_11-16-22.jpg icon in the upper left corner, and then select the “Identification” option from the menu and go through all its stages.
  • To change the phone number registered in the Milliy App, please come to the NBU branch which is convenient for you with your identity document.
  • An e-wallet is a system to store funds, as well as transfer money through an app to an account or bank card.
  • When you reset your password, you enter the "secret question answer"
Currently, the NBU offers the following international money transfers: Western Union, MoneyGram, KoronaPay, Asia Express, Contact, Unistream, Swift, as well as Sberbank.
Users of the Milliy Mobile App can receive transfers from Russia using the Sberbank Online service to an electronic wallet in national currency, to an UzCard or HUMO card of the NBU.

The transfer is made in rubles. Upon receipt on an electronic wallet or card, it is automatically converted into UZS. No additional fees are charged.
  • Visa Direct is a service for money transfer using the Milliy Mobile App to more than 50 countries of the world, including Visa cards of Uzbekistan banks.
  • identity document
  • MTCN or the tracking number
  • full name of remitter
  • country of remitter
  • expected amount of money
  • NBFAUZ2X
It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.
  • If you want to transfer the right to dispose of your deposit to a third party, you must execute a power of attorney certified through a notary office.
  • No, you don't. The online deposit can be closed through the app.
  • Capitalization is the addition of accrued interest to the principal amount of the deposit.
  • This is the deposit with no fixed withdrawal period and the depositor can withdraw the funds at any time.

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