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Purpose of the loan:
  • Purpose of the loan:

    The purpose of the loan is to provide circulating funds to companies engaged in the production of alternative electrical devices.
Terms of loan
Requirements to the borrower/additional borrower:
  • at least 30% of the project cost, including at least 15% of the value of the purchase and sale agreement shall be paid from the initiator's own funds;
  • liquid balance sheet;
  • no overdue accounts payable; a good credit history; no debt on Card File 2;

Requirements to the borrower's/additional borrower's credit history:
based on the scoring analysis of the Credit Information Center:
  • there are no 3 (three) or more payments with a delay of 30 to 60 days;
  • there are no 2 (two) or more payments with a delay of 60 to 90 days;
  • there is no 1 (one) or more payments with a delay of more than 90 days.
Loan Arrangements

Real estate and movable property, vehicles, guarantees, insurance policies and other types of security according to the legislation

Required documents
  • application for a loan;
  • constituent documents of the borrower;
  • orders or other internal documents on the appointment of an authorized person to sign a loan agreement, as well as passport data of these persons;
  • minutes of the general meeting of shareholders/members on obtaining a loan by an enterprise and providing security or other types of decisions (for farms, individual entrepreneurs, private firms);
  • business plan developed for the project;
  • agreements for financing at the expense of loans;
  • documents for security;
  • if the project initiator has accounts with other banks, the certificate of the servicing banks on the balances of funds on those accounts according to Card File No. 2, as well as the certificate on funds turnover on the account for the previous year;
  • expert opinion of an independent accredited consulting company on the cost of imported goods (fixed assets) purchased with use of loan funds;
  • contracts (drafts, protocols of agreements) for the sale of finished products;
  • positive findings of a state ecological appraisal of the State Committee of Ecology;
  • if necessary, when the bank considers the loan application, it can request other documents as well.
Calculate the amount of credit you will be able to get
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: %

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
Monthly income 0 sum
Expenses 0 sum
Monthly fee 0 sum
Available loan amount 0 sum
Maximum amount for a credit product

Latest site update date: 07/13/2024 09:04:39 pm

License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
© 2024 NBU. All rights reserved. If you find an error in the text, highlight the wrong text and press Ctrl + Enter

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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.
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
The period of registration of the company must exceed 1 year
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.

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