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Trade Finance

Information on the conditions for the provision of funding to ensure the implementation of trade finance contracts

  • Requirements to borrowers

    Legal entity shall be the resident of the Republic of Uzbekistan, with good financial performance

  • Industry subject to financing

    No restrictions (any business not prohibited by the legislation of the Republic of Uzbekistan)

  • Purpose of funds

    Financing up to 100% of the value of a contract for the supply of goods and services from all over the world (excluding countries on the sanctions list)

  • Minimum and Maximum Amount Without restrictions, based on the financial performance of the Borrower and the implementation of the project

    Minimum and Maximum Amount Without restrictions, based on the financial performance of the Borrower and the implementation of the project

  • Currency of Credit

    Euros, US dollars and other freely convertible currencies

  • Amount available

    No restrictions

  • Financing schedule

    Up to 1 year

  • Annual percentage rate for financing

    Corresponding LIBOR + 2.0% -4% (approximate foreign bank margin) + NBU margin (individually for each transaction)

  • Grace period

    According to the business plan, but not more than 6 months

  • Payment form

    Letter of Credit

  • Borrower's share in the project

    At least 20% of the total project cost

  • List of countries where raw materials and other materials are purchased

    All countries of the world (excluding countries on the sanctions list)

  • Collateral requirements

    At least 125% of the funding amount

  • Eligible (Project) Regions

    All regions of the Republic of Uzbekistan

  • List of required documents for obtaining financing

    In accordance with the Bank's Credit Policy

  • Other

    Each transaction shall be coordinated individually with foreign banks within 1-3 days
Letters of Credit

  • Documentary letter of credit is a promise of the Bank to pay the Beneficiary at the expense of its customer a certain amount in the agreed currency, if the seller (Beneficiary) submits within the prescribed time the documents that meet the conditions Letter of Credit and confirm the shipment of commodities (the provision of services).

Being a payment security instrument, a documentary letter of credit has its advantages

  • it is applicable as a security instrument in transactions to almost all countries of the world;

  • it is convenient for advance disposal of the amount due to the seller;

  • it is flexible in terms of payment being a reliable instrument;

  • it is suitable as a short-term financing facility;

  • quickly and easily makes a payment that allows the seller under certain circumstances to receive good discounts;

  • has international legal reliability.

Bank Guarantees

  • A guarantee is a written undertaking of the bank to pay the creditor (beneficiary) a guaranteed amount on receipt of a request in writing, which confirms that the debtor (principal) has failed to meet its liabilities under the terms and conditions of the guarantee that has been issued according to underlying contract between beneficiary and principal. Exercise of guarantees has international legal reliability as well.

Guarantee types

  • Applying for Guarantees is best when:

  • When there is lack of confidence in the solvency of your business partner, the payment guarantee is very useful tool;

  • When it is important to secure the proper performance of your undertakings to business partner, you can use the performance guarantee;

  • When you are not certain, whether the advance payment to the business partner will be utilized for designated purposes, you can exercise the advance payment refund guarantee;

  • When as a bidder (according to bid requirements) you are required to provide the owner of bid with bid bond (or bid guarantee) to assure that you have the financial means to accept the job for the price quoted in the bid.

For more information contact us by email Tradefinance@nbu.uz
Last page update: 28.05.2024 14:08
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Latest site update date: 21.11.2024 15:06:58

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 at the time of filing the application must be more than 6 months.
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.
- Constituent documents of the company (charter, registration certificate).
- Documents confirming the authority of the company's representatives.
- Vehicle Purchase Agreement.
- Documents confirming ownership of the collateral property (if a collateral is required).
- Professional Consultation and Support: Our specialists are always ready to provide professional consultation and support at all stages of the process, helping clients maximize the benefits of the offered loan products.
- Flexible Terms: Option to choose the optimal term and loan amount.
- Ease of Application: Minimal document requirements and a quick application review process.
- Business support: Financing that helps to renew the car fleet
The NBU aims to ensure a fast and efficient application review process. The average review period for an auto loan application for legal entities is 3 to 5 working days.
The collateral can be the new car being purchased.
The option to purchase new vehicles from official dealers.
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
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.
The period of registration of the company must exceed 1 year
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.

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