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Foreign Credit Lines

Landesbank Baden-Wuerttember (Germany)
  • Purpose of Credit Line

    85% of the contract for the purchase of goods, equipment and services from Germany and agreed countries
  • Minimum and maximum amount

    Maximum amount up to 50,0 mln EURO/USD, Minimum amount from 2,0 mln EURO/USD
  • Maximum term of credit line

    5-7 years
  • Interest rate

    6 month Euribor + foreign bank margin (ind.) + NBU margin (ind.) Total approximately 4-5%
  • Project grace period

    6 months after commissioning
  • Management fee

    0.8% of credit amount
  • Commission for untapped credit amount (per obligation)

    0.8% p.a.
  • Other provisions

    The project provides insurance coverage up to 8-9% of the credit amount
Commerzbank AG (Germany)
  • Purpose of Credit Line

    85% of the contract for the purchase of goods, equipment and services from Germany and agreed countries
  • Minimum and maximum amount

    Maximum amount is not provided, Minimum amount from 2,0 mln EURO/USD
  • Maximum term of credit line

    5-7 years
  • Interest rate

    6 month Euribor + foreign bank margin (ind.) + NBU margin (ind.) Total approximately 4-5%
  • Project grace period

    6 months after commissioning
  • Management fee

    0.8% of credit amount
  • Commission for untapped credit amount (per obligation)

    0.8% p.a.
  • Other provisions

    The project provides insurance coverage up to 8-9% of the credit amount
AKA Bank
  • Purpose of Credit Line

    85% of the contract for the purchase of goods, equipment and services from Germany and agreed countries
  • Minimum and maximum amount

    Maximum amount is not provided, Minimum amount from 400 thous. EURO/USD
  • Maximum term of credit line

    5-7 years
  • Interest rate

    6 month Euribor + foreign bank margin (ind.) + NBU margin (ind.) Total approximately 4-5%
  • Project grace period

    6 months after commissioning
  • Management fee

    Individually for every project
  • Commission for untapped credit amount (per obligation)

    Individually for every project
  • Other provisions

    The project provides insurance coverage up to 8-9% of the credit amount
Eximbank of Korea
  • Purpose of Credit Line

    85% of the contract for the purchase of goods, equipment and services from Korea
  • Minimum and maximum amount

    Minimum and maximum amounts are not provided
  • Maximum term of credit line

    5-7 years
  • Interest rate

    6 month Libor + foreign bank margin (ind.) + NBU margin (ind.) Total approximately 10-11%
  • Project grace period

    6 months after commissioning
  • Management fee

    0.2% of credit amount
  • Commission for untapped credit amount (per obligation)

    0.5% p.a.
Eximbank of Turkey
  • Purpose of Credit Line

    85% of the contract for the purchase of goods, equipment and services from Turkey
  • Minimum and maximum amount

    Minimum and maximum amounts are not provided
  • Maximum term of credit line

    up to 10 years
  • Interest rate

    Libor + foreign bank margin (ind.) + NBU margin (ind.) Total approximately 9 -10%
  • Project grace period

    6 months after commissioning
  • Management fee

    0.2% of credit amount
  • Commission for untapped credit amount (per obligation)

    0.5% p.a.
  • Other provisions

    The project provides insurance coverage up to 8-9% of the credit amount
China Development Bank (USD)
  • Purpose of Credit Line

    100% of the contract for the purchase of goods, equipment and services from China (50% minimum)
  • Minimum and maximum amount

    Maximum amount is not provided, Minimum amount from 100 thous. USD
  • Maximum term of credit line

    up to 9 years
  • Interest rate

    6-month Libor + margin of CDB 3.2% p.a.+ margin of the NBU. Total appoximately 9-10%
  • Project grace period

    up to 3 years, but not later than June 5, 2021
  • Management fee

    0.3% of credit balance
  • Commission for untapped credit amount (per obligation)

    Foreign bank advance commission (Upfront fee) - 0.5% of the credit amount
China Development Bank (RMB)
  • Purpose of Credit Line

    100% of the contract for the purchase of goods, equipment and services from China
  • Minimum and maximum amount

    Maximum amount is not provided, Minimum amount from 100 thous. RMB
  • Maximum term of credit line

    up to 5 years
  • Interest rate

    Per annum rate if CDB 4,8% + margin of the NBU
  • Project grace period

    up to 2 years
  • Management fee

    0.5% of the credit amount, one-time payment
  • Commission for untapped credit amount (per obligation)

    1% p.a.
Europeen Bank of Reconstruction & Development
  • Purpose of Credit Line

    For purchase of goods, equipment and services.
  • Minimum and maximum amount

    Maximum amount up to 2,0 mln. USD, Minimum amount is not provided
  • Maximum term of credit line

    up to 4 years
  • Interest rate

    6-month Libor + foreign bank margin (3.0%) + NBU margin. Total approximately 8-9%
  • Project grace period

    up to 1 year
  • Management fee

    1% of credit amount
  • Commission for untapped credit amount (per obligation)

    0,5%
  • Other provisions

    Textile industry is not funded
China Exim Bank
  • Purpose of Credit Line

    For purchase of goods, equipment and services.
  • Minimum and maximum amount

    Maximum amount - not available; Minimum amount - not available.
  • Maximum term of credit line

    up to 3 years
  • Interest rate

    Libor for 6 months + annual 3.0% foreign bank margin + NBU margin. Total about 8-9%
Credit Suisse AG
  • Purpose of Credit Line

    For the purchase of goods and raw materials
  • Minimum and maximum amount

    Minimum and maximum amounts are not available
  • Maximum term of credit line

    up to 2 years (subject to extension)
  • Interest rate

    EURIBOR + foreign bank margin (4.5%) + NBU margin. Total about 7-8%
  • Other terms

    Textile projects are not funded
Terms of the Credit Line of Asian Development Bank for the project 'Development of the Value-Added Chain in the Fruit and Vegetable Sector'
  • Purpose of using the Credit line

    Development of agriculture in Uzbekistan, including the creation of intensive gardens, greenhouses and refrigeration complexes, as well as financing projects for processing of fruits and vegetables
  • Minimum and Maximum Amount of Credit

    The maximum credit amount is up to 5.0 million US dollars
  • The maximum term of the Line of Credit

    Based on the payback period of the project: up to 7 years
  • Annual percentage rate

    Foreign bank’s margin (3%) + margin of National Bank. Total: approx. 6-7%
  • Grace period for the project

    2 years
  • Other conditions

    Credit funds are allocated only for funding investment projects (not for replenishment of working capital)
Terms of the Credit Line of International Bank for Reconstruction and Development for the project 'Development of Fruit and Vegetable Farming'
  • Purpose of using the Credit line

    Development of agriculture in Uzbekistan, including the creation of intensive gardens, greenhouses and refrigeration complexes, as well as financing projects for processing of fruits and vegetables
  • Minimum and Maximum Amount of Credit

    The maximum amount is up to 2.0 million US dollars (4 million US dollars for cluster projects)
  • The maximum term of the Line of Credit

    Based on the payback period of the project: up to 7 years
  • Annual percentage rate

    Foreign bank’s margin (Libor - floating spread + Ministry of Finance’s margin - 0.2%) + National Bank’s margin. Total: about 6-7%
  • Grace period for the project

    up to 3 years
Terms of the Line of Credit of the International Bank for Reconstruction and Development for the project 'Modernization of Agriculture in Republic of Uzbekistan'
  • Purpose of using the Credit line

    Creating intensive gardens and vineyards; Processing, packaging, storage, transportation of products and purchase of refrigerators trucks; Implementation of modern energy-efficient irrigation systems, water-saving technologies of drip and sprinkler irrigation in open areas outside of modern greenhouses
  • Minimum and Maximum Amount of Credit

    The maximum amount is 1.0 million US dollars (2.0 million US dollars for cluster projects), up to 250 thousand US dollars for replenishment of working capital
  • The maximum term of the Line of Credit

    Based on the payback period of the project: up to 10 years
  • Annual percentage rate

    Foreign bank’s margin (Libor + floating spread + Ministry of Finance’s margin - 1%) + National Bank’s margin. Total: about 7%
  • Grace period for the project

    up to 3 years

Latest site update date: 04/18/2024 10:00:26 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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