Loan purpose

Financing business ideas of final-year students in higher education institutions

Borrower

Graduates of higher education institutions who are self-employed and pay social tax

Loan ammount

Up to 10 mln sums

Interest rate

21 %

Loan term

Up to 18 months

Grace period

Up to 3 months

Credit source

Bank's capital

Collateral

Insurance company's loan default risk policy

Stop factors

• Existence of a negative credit history

• Presence of overdue credit debt

Loan purpose

Funding for entrepreneurial projects of final-year students in higher education institutions

Borrower

• Graduates of higher education institutions operating as individual entrepreneurs

• Legal entities founded or headed by a graduate of a higher education institution

Loan ammount

Up to 300 million soums

Interest rate

Central bank's base rate + 4%

Loan term

• Up to 84 months for the acquisition of fixed assets

• Up to 36 months to replenish working capital

Grace period

• Up to 24 months for the acquisition of fixed assets

• Up to 6 months to replenish working capital

Collateral

• for loans up to 50 million soums - insurance policy

• liquid collateral for loans exceeding 50 million soums

Mandatory requirements

• The participants of the «Yangi kelajakka qadam» program can be: graduating students of higher educational institutions who are individual entrepreneurs and legal entities.

Stop factors

• Presence of a negative credit history

• Presence of overdue credit debt

Loan purpose

Financing of entrepreneurial projects of graduating students of higher educational institutions

Borrower

• Graduates of higher educational institutions carrying out activities as individual entrepreneurs

• Legal entities whose founder or head is a graduate of a higher educational institution

Loan ammount

Up to 1 billion soums

Interest rate

Central bank's base rate + 4%

Loan term

• Up to 84 months for the acquisition of fixed assets

• Up to 36 months to replenish working capital

Grace period

• Up to 24 months for the acquisition of fixed assets

• Up to 6 months to replenish working capital

Collateral

Liquid collateral covering 125% of the loan amount

Mandatory requirements

• The participants of the «Yangi kelajakka qadam» program can be: graduating students of higher educational institutions who are individual entrepreneurs and legal entities

• Create at least 4 job positions

Stop factors

• Presence of a negative credit history

• Presence of overdue credit debt