| Purpose of the loan | Purchase of new backup/standalone solar power systems and integrated solar water heating systems, including payment for freight, transportation, and customs procedures, as well as payment for works and services related to their acquisition and installation. |
| Type of loan | loans without the establishment of a revolving credit line |
| Loan currency |
- national currency of the Republic of Uzbekistan - UZS (soum); - foreign currency is available solely for payments under import contracts of legal entities, including through the sale of foreign currency funds to the Bank (conversion into soum) for domestic settlements in accordance with established procedures. |
| Loan amount | Loan amount In the national currency of the Republic of Uzbekistan - up to 300,000,000.0 (three hundred million) soums (inclusive), or the equivalent amount in foreign currency at the exchange rate of the Central Bank of the Republic of Uzbekistan effective on the date of the decision to grant the loan. |
| Loan disbursement method | Loan disbursement method the loan shall be disbursed in non-cash form by transferring the loan funds to the account of the seller/supplier of goods/works/services |
| Loan term / term of RCL (Revolving Credit Line) | up to 120 (one hundred and twenty) months inclusive (the maximum term is subject to the collateral provided for the loan) |
| Interest rate |
in the national currency of the Republic of Uzbekistan - 24% per annum; in foreign currency - 13% per annum; |
| Principal repayment grace period | Principal repayment grace period the maximum grace period shall not exceed 6 (six) months |
| Repayment procedure | monthly (annuity method) |
| Early repayment | full or partial early repayment of the loan without commissions or penalties is permitted. |
| Collateral amount |
in case cash funds are provided as collateral, the amount of such collateral shall be not less than 115% of the loan amount. in all other cases, the total amount of collateral shall be not less than 125% of the loan amount |
| Main types of loan collateral |
real estate; motor vehicles (with a maximum operating age not exceeding 5 (five) years from the date of manufacture); general-purpose special machinery (with a maximum operating age not exceeding 3 (three) years from the date of manufacture); jewelry; cash collateral; Combined forms of collateral are allowed. |
| Main requirements for a potential borrower |
- business entities (legal entities and individual entrepreneurs operating without forming a legal entity), registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan; - availability of a primary/secondary demand deposit account with JSCB “Kapitalbank”; - absence of a negative credit history in accordance with the requirements of the Bank’s Credit Policy; - sufficiency of projected cash flows of the financed project; - availability of the relevant permits, confirmations of notification acceptance, and licenses for the conducted activities in accordance with the requirements of the legislation of the Republic of Uzbekistan; - the client may apply to a branch/Banking Services Center of the Bank located in the region where the client conducts its activities, where the client is registered, or where the proposed collateral is located; - loss-making enterprises shall not be eligible for lending; - other requirements for the potential borrower, collateral, and conditions for obtaining a loan shall be governed by the Bank’s Credit Policy and other internal lending regulations of the Bank* * For more detailed information on lending terms, including borrower requirements, collateral requirements, and the loan granting procedure, you may contact the Bank’s branches |
List of documents for legal entities:
- Loan application;
- Copy of the constituent documents, including all amendments and additions thereto;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the director, founders, and chief accountant;
- Documents confirming the authority of a person to sign the loan agreement on behalf of the Client in accordance with the legislation of the Republic of Uzbekistan;
- Resolution/minutes of the founder(s) of the legal entity on obtaining a loan;
- Order of the head of the legal entity on obtaining credit funds;
- Document confirming the place of business operations;
- Client’s financial statements: balance sheet for the latest reporting period (Form No. 1); statement of financial results (Form No. 2).
- Loan application;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the individual entrepreneur;
- Document confirming the place of business operations.
- Documents related to the collateral and the owner of the pledged property;
- Documents confirming the market value of the pledged property (independent valuation report, etc.).
- If necessary, the Bank may request additional documents for the review of the application.
How do I get a loan from Kapitalbank JSCB?
Step 1 |
Consultation Select a Bank branch that is conveniently located for you to meet with a Bank specialist. During the meeting, the specialist will provide you with a list of documents required to obtain a loan, advise you on their format and content, and answer any questions you may have. |
Step 2 |
Document collection and loan application submission Collect the full set of required documents. During the meeting, complete the loan application together with the Bank specialist and submit the full set of required documents. |
Step 3 |
Review of the loan application and decision-making by the Bank The period from the date the Bank receives the loan application along with the complete set of required documents to the date the Bank makes a decision shall not exceed the timeframe established by the legislation of the Republic of Uzbekistan. The review period and decision-making timeline depend on the completeness of the documents submitted. |
Step 4 |
Execution of the loan agreement, collateral arrangement, and disbursement of funds In the event of a positive decision, you will sign the loan agreement, arrange the required collateral, and receive the funds in accordance with established procedures. |
| Purpose of the loan | replenishment of working capital, including payment for freight, road and customs procedures, purchase of goods, raw materials, semi-finished products and other materials for production needs, payment for services. |
| Type of loan | Credits without opening a revolving credit line, incl. provided under the Master Agreement for opening of the framework facility (FF) |
| Loan currency |
- national currency of the Republic of Uzbekistan - UZS (soum); - foreign currency - only for legal entities, including through the sale of foreign currency to the Bank (sumarization) for the implementation of intra-republican settlements in accordance with the established procedure; |
| Loan amount | Credit amount no more than 10,000,000,000.0 (ten billion) UZS (inclusive) in the national currency of the Republic of Uzbekistan or the equivalent of this amount in foreign currency at the exchange rate of the Central Bank of the Republic of Uzbekistan on the day of the decision to provide a credit/conclusion of the Master Agreement for opening of the FF |
| Loan disbursement method | credit is issued in non-cash form in accordance with the established procedure |
| Loan term / term of RCL (Revolving Credit Line) |
Master Agreement for opening of the FF is concluded for a term of no more than 62 (sixty-two) months. Credit agreements under the FF and one-time credit agreements are concluded for a term of no more than 36 (thirty-six) months. |
| Interest rate |
in national currency of the Republic of Uzbekistan – 26% per annum; in foreign currency – 14% per annum; |
| Principal repayment grace period |
Grace period for principal repayment the maximum grace period shall not exceed: 3 (three) months for a credit period of up to 12 (twelve) months inclusive; 6 (six) months for a credit period of over 12 (twelve) months; |
| Repayment procedure | monthly (annuity method) |
| Early repayment | Full or partial early repayment of the credit is permitted without fees or penalties. |
| Collateral amount |
If cash is provided as collateral, the collateral amount must be at least 115% of the credit amount/Master Agreement for opening of the FF. In other cases, the total collateral amount must be at least 125% of the credit amount/Master Agreement for opening of the FF. |
| Main types of loan collateral |
- real estate (residential/non-residential); - vehicles or special equipment; - jewelry; - cash collateral; Combined provision is possible. |
| Main requirements for a potential borrower |
- business entities (legal entities and sole proprietors engaged in business activities without forming a legal entity) registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan; - a primary/secondary demand deposit account with JSCB “Kapitalbank”; - no negative credit history, in accordance with the requirements of the Bank’s Credit Policy; - sufficiency of projected cash flows for the financed project. - required work experience of a potential borrower in the business being financed for at least 6 (six) months; - availability of relevant permits, confirmations of acceptance of notifications, and licenses for the activities carried out in accordance with the requirements of the legislation of the Republic of Uzbekistan; - the client may contact the bank’s branch/Bank Service Center located in the region where the client operates/is registered/where the proposed collateral is located; - enterprises operating at a loss are not eligible for lending; - other requirements for a potential borrower, collateral and conditions for obtaining a credit are regulated by the Bank’s Credit Policy and other internal rules of the Bank in the field of lending* * For more detailed information on lending terms, including borrower requirements, collateral, and the credit application process, please contact the Bank’s branches. |
List of documents for legal entities:
- Loan application;
- Copy of the constituent documents, including all amendments and additions thereto;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the director, founders, and chief accountant;
- Documents confirming the authority of a person to sign the loan agreement on behalf of the Client in accordance with the legislation of the Republic of Uzbekistan;
- Resolution/minutes of the founder(s) of the legal entity on obtaining a loan;
- Order of the head of the legal entity on obtaining credit funds;
- Document confirming the place of business operations;
- Client’s financial statements: balance sheet for the latest reporting period (Form No. 1); statement of financial results (Form No. 2).
- Loan application;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the individual entrepreneur;
- Document confirming the place of business operations.
- Documents related to the collateral and the owner of the pledged property;
- Documents confirming the market value of the pledged property (independent valuation report, etc.).
- If necessary, the Bank may request additional documents for the review of the application.
How do I get a loan from Kapitalbank JSCB?
Step 1 |
Consultation Select a Bank branch that is conveniently located for you to meet with a Bank specialist. During the meeting, the specialist will provide you with a list of documents required to obtain a loan, advise you on their format and content, and answer any questions you may have. |
Step 2 |
Document collection and loan application submission Collect the full set of required documents. During the meeting, complete the loan application together with the Bank specialist and submit the full set of required documents. |
Step 3 |
Review of the loan application and decision-making by the Bank The period from the date the Bank receives the loan application along with the complete set of required documents to the date the Bank makes a decision shall not exceed the timeframe established by the legislation of the Republic of Uzbekistan. The review period and decision-making timeline depend on the completeness of the documents submitted. |
Step 4 |
Execution of the loan agreement, collateral arrangement, and disbursement of funds In the event of a positive decision, you will sign the loan agreement, arrange the required collateral, and receive the funds in accordance with established procedures. |
| Purpose of the loan | Purchase of motor vehicles and/or special machinery, including payment for works and services, as well as insurance premiums included in the acquisition cost of the motor vehicles/special machinery, and their registration with the relevant authorities |
| Type of loan | loans without the establishment of a revolving credit line, including those granted under a General Agreement on the opening of a Revolving Credit Line (RCL) |
| Loan currency |
- national currency of the Republic of Uzbekistan - UZS (soum); - foreign currency - only for legal entities, by selling foreign currency funds to the Bank (conversion into soum) for domestic settlements in accordance with established procedures; |
| Loan amount | Loan amount not exceeding 10,000,000,000.0 (ten billion) soums (inclusive) in the national currency of the Republic of Uzbekistan, or the equivalent amount in foreign currency at the exchange rate of the Central Bank of the Republic of Uzbekistan effective on the date of the decision to grant the loan/to enter into a General Agreement on the opening of a Revolving Credit Line (RCL) |
| Loan disbursement method | Loan disbursement method the loan shall be disbursed in non-cash form in accordance with established procedures. |
| Loan term / term of RCL (Revolving Credit Line) |
the General Agreement on the opening of a Revolving Credit Line (RCL) shall be concluded for a term not exceeding 62 (sixty-two) months (the maximum term is subject to the collateral provided); loan agreements under the RCL and one-off loan agreements shall be concluded for a term not exceeding 60 (sixty) months (the maximum term is subject to the collateral provided). |
| Interest rate |
in national currency of the Republic of Uzbekistan – 26% per annum; in foreign currency – 14% per annum; |
| Grace period for principal repayment |
Grace period for principal repayment the maximum grace period shall not exceed: 3 (three) months for a credit period of up to 12 (twelve) months inclusive; 6 (six) months for a credit period of over 12 (twelve) months; |
| Repayment procedure | monthly (annuity method) |
| Early repayment | full or partial early repayment of the loan without commissions or penalties is permitted |
| Collateral amount |
in case cash funds are provided as collateral, the amount of such collateral shall be not less than 115% of the loan amount/the General Agreement on the opening of an RCL. in all other cases, the total amount of collateral shall be not less than 125% of the loan amount/the General Agreement on the opening of a RCL. |
| Main types of loan collateral |
- real estate (residential/non-residential); - motor vehicles or special machinery - jewelry; - cash collateral; Combined provision is possible. |
| Main requirements for a potential borrower |
- business entities (legal entities and individual entrepreneurs operating without forming a legal entity), registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan; - availability of a primary/secondary demand deposit account with JSCB “Kapitalbank”; - absence of a negative credit history in accordance with the requirements of the Bank’s Credit Policy; - sufficiency of projected cash flows of the financed project; - minimum required experience of the potential borrower in the financed business of not less than 6 (six) months; - availability of the relevant permits, confirmations of notification acceptance, and licenses for the conducted activities in accordance with the requirements of the legislation of the Republic of Uzbekistan; - the client may apply to a branch/Banking Services Center of the Bank located in the region where the client conducts its activities, where the client is registered, or where the proposed collateral is located; - loss-making enterprises shall not be eligible for lending; - other requirements for the potential borrower, collateral, and conditions for obtaining a loan shall be governed by the Bank’s Credit Policy and other internal lending regulations of the Bank*. * For more detailed information on lending terms, including borrower requirements, collateral requirements, and the loan granting procedure, you may contact the Bank’s branches. |
List of documents for legal entities:
- Loan application;
- Copy of the constituent documents, including all amendments and additions thereto;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the director, founders, and chief accountant;
- Documents confirming the authority of a person to sign the loan agreement on behalf of the Client in accordance with the legislation of the Republic of Uzbekistan;
- Resolution/minutes of the founder(s) of the legal entity on obtaining a loan;
- Order of the head of the legal entity on obtaining credit funds;
- Document confirming the place of business operations;
- Client’s financial statements: balance sheet for the latest reporting period (Form No. 1); statement of financial results (Form No. 2).
- Loan application;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the individual entrepreneur;
- Document confirming the place of business operations.
- Documents related to the collateral and the owner of the pledged property;
- Documents confirming the market value of the pledged property (independent valuation report, etc.).
- If necessary, the Bank may request additional documents for the review of the application.
How do I get a loan from Kapitalbank JSCB?
Step 1 |
Consultation Select a Bank branch that is conveniently located for you to meet with a Bank specialist. During the meeting, the specialist will provide you with a list of documents required to obtain a loan, advise you on their format and content, and answer any questions you may have. |
Step 2 |
Document collection and loan application submission Collect the full set of required documents. During the meeting, complete the loan application together with the Bank specialist and submit the full set of required documents. |
Step 3 |
Review of the loan application and decision-making by the Bank The period from the date the Bank receives the loan application along with the complete set of required documents to the date the Bank makes a decision shall not exceed the timeframe established by the legislation of the Republic of Uzbekistan. The review period and decision-making timeline depend on the completeness of the documents submitted. |
Step 4 |
Execution of the loan agreement, collateral arrangement, and disbursement of funds In the event of a positive decision, you will sign the loan agreement, arrange the required collateral, and receive the funds in accordance with established procedures. |
| Purpose of the loan | acquisition of fixed assets (except for motor vehicles/special equipment), including payment for work/services included in the cost of fixed assets |
| Type of loan | Credits without opening a revolving credit line, incl. provided under the Master Agreement for opening of the framework facility (FF) |
| Loan currency |
- national currency of the Republic of Uzbekistan - UZS (soum); - foreign currency - only for legal entities, including through the sale of foreign currency to the Bank (sumarization) for the implementation of intra-republican settlements in accordance with the established procedure; |
| Loan amount | Credit amount no more than 10,000,000,000.0 (ten billion) UZS (inclusive) in the national currency of the Republic of Uzbekistan or the equivalent of this amount in foreign currency at the exchange rate of the Central Bank of the Republic of Uzbekistan on the day of the decision to provide a credit/conclusion of the Master Agreement for opening of the FF |
| Loan disbursement method | the credit is issued in non-cash form in accordance with the established procedure |
| Loan term / term of RCL (Revolving Credit Line) |
Master Agreement for opening of the FF is concluded for a term of no more than 62 (sixty-two) months. Credit agreements under the FF and one-time credit agreements are concluded for a term of no more than 60 (sixty) months. |
| Interest rate |
in national currency of the Republic of Uzbekistan – 26% per annum; in foreign currency – 14% per annum; |
| Principal repayment grace period |
the maximum grace period shall not exceed: 3 (three) months for a credit period of up to 12 (twelve) months inclusive; 6 (six) months for a credit period of over 12 (twelve) months; |
| Repayment procedure | monthly (annuity method) |
| Early repayment | Full or partial early repayment of the credit is permitted without fees or penalties. |
| Collateral amount |
If cash is provided as collateral, the collateral amount must be at least 115% of the credit amount/Master Agreement for opening of the FF. In other cases, the total collateral amount must be at least 125% of the credit amount/Master Agreement for opening of the FF. |
| Main types of loan collateral |
- real estate; - vehicles/specialized equipment; - jewelry; - cash collateral; Combined provision is possible. |
| Main requirements for a potential borrower |
- business entities (legal entities and sole proprietors engaged in business activities without forming a legal entity) registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan; - a primary/secondary demand deposit account with JSCB “Kapitalbank”; - no negative credit history, in accordance with the requirements of the Bank’s Credit Policy; - sufficiency of projected cash flows for the financed project. - required work experience of a potential borrower in the business being financed for at least 6 (six) months; - availability of relevant permits, confirmations of acceptance of notifications, and licenses for the activities carried out in accordance with the requirements of the legislation of the Republic of Uzbekistan; - the client may contact the bank’s branch/Bank Service Center located in the region where the client operates/is registered/where the proposed collateral is located; - enterprises operating at a loss are not eligible for lending; - other requirements for a potential borrower, collateral and conditions for obtaining a credit are regulated by the Bank’s Credit Policy and other internal rules of the Bank in the field of lending* * For more detailed information on lending terms, including borrower requirements, collateral, and the credit application process, please contact the Bank’s branches. |
List of documents for legal entities:
- Loan application;
- Copy of the constituent documents, including all amendments and additions thereto;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the director, founders, and chief accountant;
- Documents confirming the authority of a person to sign the loan agreement on behalf of the Client in accordance with the legislation of the Republic of Uzbekistan;
- Resolution/minutes of the founder(s) of the legal entity on obtaining a loan;
- Order of the head of the legal entity on obtaining credit funds;
- Document confirming the place of business operations;
- Client’s financial statements: balance sheet for the latest reporting period (Form No. 1); statement of financial results (Form No. 2).
- Loan application;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the individual entrepreneur;
- Document confirming the place of business operations.
- Documents related to the collateral and the owner of the pledged property;
- Documents confirming the market value of the pledged property (independent valuation report, etc.).
- If necessary, the Bank may request additional documents for the review of the application.
How do I get a loan from Kapitalbank JSCB?
Step 1 |
Consultation Select a Bank branch that is conveniently located for you to meet with a Bank specialist. During the meeting, the specialist will provide you with a list of documents required to obtain a loan, advise you on their format and content, and answer any questions you may have. |
Step 2 |
Document collection and loan application submission Collect the full set of required documents. During the meeting, complete the loan application together with the Bank specialist and submit the full set of required documents. |
Step 3 |
Review of the loan application and decision-making by the Bank The period from the date the Bank receives the loan application along with the complete set of required documents to the date the Bank makes a decision shall not exceed the timeframe established by the legislation of the Republic of Uzbekistan. The review period and decision-making timeline depend on the completeness of the documents submitted. |
Step 4 |
Execution of the loan agreement, collateral arrangement, and disbursement of funds In the event of a positive decision, you will sign the loan agreement, arrange the required collateral, and receive the funds in accordance with established procedures. |
| Purpose of the loan |
for the implementation of entrepreneurial activities, namely: - for the acquisition of fixed assets and payment for work and/or services related to the acquisition of fixed assets; - for replenishment of working capital. |
| Type of loan | loan without opening a revolving credit line |
| Loan currency | - national currency of RUz-soum ; |
| Loan amount | no more than 10,000,000,000.0 (ten billion) soum; |
| Loan issuance form | the loan is issued in non-cash form in accordance with the established procedure |
| Loan term |
A) up to 83 (eighty-three) months from the date of the loan agreement for the acquisition of fixed assets, but not exceeding the repayment period of the credit line under the Agreement with Hamrokh Women's Entrepreneurship Support Company LLC. B) up to 24 (twenty-four) months for working capital replenishment, but not exceeding the repayment period of the credit line under the Agreement with Hamrokh Women's Entrepreneurship Support Company LLC. |
| Interest rate | the main rate of the Central Bank of the Republic of Uzbekistan + 6% per annum |
| Grace period for repayment of principal debt |
Maximum grace period for principal debt repayment: - no more than 3 (three) months for a loan term of up to 12 (twelve) months (inclusive); - no more than 6 (six) months for a loan term of up to 24 (twenty-four) months; - no more than 36 (thirty-six) months for a loan term of up to 83 (eighty-three) months. |
| Repayment procedure | differentiated or annuity method |
| Early repayment | full or partial early repayment of the loan is permitted without fees or penalties |
| Collateral amount |
If cash is provided as security, the security amount must be at least 115% of the loan amount. In other cases, the total security amount must be at least 125% of the loan amount. |
| Main types of loan collateral |
- real estate (residential/non-residential); - Vehicles or specialized equipment; - jewelry; - cash collateral; Combined security is possible. |
| Main requirements for a potential borrower |
- business entities (where the share of women founders in the authorized capital is 50 percent or more and/or where a woman is the head of the enterprise, as well as female individual entrepreneurs), registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan for at least 12 months preceding the date of the loan application; - availability of the Borrower's primary/secondary demand deposit account in JSCB “Kapitalbank”; - presence of net credit turnovers on demand deposit accounts over the past six months. At that, lack of receipts into demand deposit accounts in one of the months are permitted (except the first and last month), both at JSCB Kapitalbank and at other banks of the Republic of Uzbekistan. - presence of net credit turnovers on demand deposit accounts for the current month prior to the application submission date, for applications after the 10th day of the current month ; - presence of net credit turnover for the last 6 full months preceding the date of acceptance of the loan application by the bank ; - absence of a negative credit history, in accordance with the requirements of the Bank's Credit Policy; - absence of loan debts to other banks of the Republic of Uzbekistan, except for JSCB “Kapitalbank”; - availability of relevant permits, confirmation of acceptance of notifications and licenses for the carried out activities in accordance with the requirements of the legislation of the Republic of Uzbekistan; - enterprises operating at a loss are not eligible for loans; - When financing one project up to 1000 times the base calculation value, the Borrower is required to create at least 2 jobs in accordance with the Borrower’s Business Plan; - When financing one project up to 4,000 times the base calculation value, the Borrower is required to create at least 5 jobs in accordance with the Borrower’s Business Plan ; - When financing one project up to 25,000 times the base calculation value (but not more than 10,000,000,000.00 (ten billion) sum), the Borrower is required to create at least 10 jobs in accordance with the Borrower’s Business Plan; - Other requirements to a potential borrower, security, and conditions for obtaining a loan are regulated by the Bank's Credit Policy, the Agreement between Hamrokh Women's Entrepreneurship Support Company LLC and Kapitalbank JSCB, and other internal lending rules of the Bank.* * For more detailed information on lending terms, including borrower requirements, security, and the loan application process, please contact the Bank's branches. |
List of documents for legal entities:
- Loan application;
- Copy of the constituent documents, including all amendments and additions thereto;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the director, founders, and chief accountant;
- Documents confirming the authority of a person to sign the loan agreement on behalf of the Client in accordance with the legislation of the Republic of Uzbekistan;
- Resolution/minutes of the founder(s) of the legal entity on obtaining a loan;
- Order of the head of the legal entity on obtaining credit funds;
- Document confirming the place of business operations;
- Client’s financial statements: balance sheet for the latest reporting period (Form No. 1); statement of financial results (Form No. 2).
- Loan application;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the individual entrepreneur;
- Document confirming the place of business operations.
- Documents related to the collateral and the owner of the pledged property;
- Documents confirming the market value of the pledged property (independent valuation report, etc.).
- If necessary, the Bank may request additional documents for the review of the application.
How do I get a loan from Kapitalbank JSCB?
Step 1 |
Consultation Select a Bank branch that is conveniently located for you to meet with a Bank specialist. During the meeting, the specialist will provide you with a list of documents required to obtain a loan, advise you on their format and content, and answer any questions you may have. |
Step 2 |
Document collection and loan application submission Collect the full set of required documents. During the meeting, complete the loan application together with the Bank specialist and submit the full set of required documents. |
Step 3 |
Review of the loan application and decision-making by the Bank The period from the date the Bank receives the loan application along with the complete set of required documents to the date the Bank makes a decision shall not exceed the timeframe established by the legislation of the Republic of Uzbekistan. The review period and decision-making timeline depend on the completeness of the documents submitted. |
Step 4 |
Execution of the loan agreement, collateral arrangement, and disbursement of funds In the event of a positive decision, you will sign the loan agreement, arrange the required collateral, and receive the funds in accordance with established procedures. |
| Purpose of the loan | loan for implementation of entrepreneural activities (including of general character – no-purpose loan) |
| Type of loan | loan without opening a revolving credit line |
| Loan currency |
- national currency of the Republic of Uzbekistan - UZS (soum); - US dollar – only for legal entities, including through the sale of foreign currency to the Bank (summarization) for intra-republican settlements in accordance with the established procedure; |
| Loan amount | Loan amount no more than 10,000,000,000.0 (ten billion) soum (inclusive) in the national currency of the Republic of Uzbekistan or the equivalent of this amount in foreign currency at the exchange rate of the Central Bank of the Republic of Uzbekistan on the day of the decision to provide the loan; |
| Loan disbursement method | the loan is issued in non-cash form in accordance with the established procedure; |
| Loan term | up to 120 (one hundred twenty) months (inclusive) |
| Interest rate |
In the national currency of the Republic of Uzbekistan – 24% per annum; in foreign currency (US dollar) – 13% per annum; |
| Grace period for repayment of principal debt | the maximum grace period shall not exceed 3 (three) months; |
| Repayment procedure | monthly (annuity method) |
| Early repayment | full or partial early repayment of the loan is permitted without fees or penalties |
| Collateral amount |
If cash is provided as security, the security amount must be at least 115% of the loan amount. In other cases, the total security amount must be at least 120% of the loan amount. |
| Main types of loan collateral |
- real estate (residential/non-residential); - cash security; Combined security is possible. |
| Main requirements for a potential borrower |
- business entities (legal entities, individual entrepreneurs carrying out entrepreneurial activities without forming a legal entity) that have undergone state registration in the established manner and are carrying out entrepreneurial activities, registered in the manner established by the legislation of the Republic of Uzbekistan; - availability of a primary/secondary demand deposit account with JSCB “Kapitalbank”; - absence of a negative credit history, in accordance with the requirements of the Bank's Credit Policy; - sufficiency of projected cash flows for the financed project. - required work experience of the potential borrower in the financed business is at least 6 (six) months ; - availability of relevant permits, confirmation of acceptance of notifications and licenses for the carried out activities in accordance with the requirements of the legislation of the Republic of Uzbekistan; - the borrower can contact the bank's branch/Central Bank of Uzbekistan located in the region where the client operates/where the borrower is registered/where the proposed security is located; - legal entities operating at a loss are not eligible for lending; - other requirements to a potential borrower, security and conditions for obtaining a loan are regulated by the Bank's Credit Policy and other internal rules of the Bank in the field of lending * * For more detailed information on lending terms, including borrower requirements, security, and the loan application process, please contact the Bank's branches. |
List of documents for legal entities:
- Loan application;
- Copy of the constituent documents, including all amendments and additions thereto;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the director, founders, and chief accountant;
- Documents confirming the authority of a person to sign the loan agreement on behalf of the Client in accordance with the legislation of the Republic of Uzbekistan;
- Resolution/minutes of the founder(s) of the legal entity on obtaining a loan;
- Order of the head of the legal entity on obtaining credit funds;
- Document confirming the place of business operations;
- Client’s financial statements: balance sheet for the latest reporting period (Form No. 1); statement of financial results (Form No. 2).
- Loan application;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the individual entrepreneur;
- Document confirming the place of business operations.
- Documents related to the collateral and the owner of the pledged property;
- Documents confirming the market value of the pledged property (independent valuation report, etc.).
- If necessary, the Bank may request additional documents for the review of the application.
How do I get a loan from Kapitalbank JSCB?
Step 1 |
Consultation Select a Bank branch that is conveniently located for you to meet with a Bank specialist. During the meeting, the specialist will provide you with a list of documents required to obtain a loan, advise you on their format and content, and answer any questions you may have. |
Step 2 |
Document collection and loan application submission Collect the full set of required documents. During the meeting, complete the loan application together with the Bank specialist and submit the full set of required documents. |
Step 3 |
Review of the loan application and decision-making by the Bank The period from the date the Bank receives the loan application along with the complete set of required documents to the date the Bank makes a decision shall not exceed the timeframe established by the legislation of the Republic of Uzbekistan. The review period and decision-making timeline depend on the completeness of the documents submitted. |
Step 4 |
Execution of the loan agreement, collateral arrangement, and disbursement of funds In the event of a positive decision, you will sign the loan agreement, arrange the required collateral, and receive the funds in accordance with established procedures. |
| Purpose of the loan | acquisition of residential real estate, including through payment under a shared participation agreement |
| Type of loan | loan without opening a revolving credit line |
| Loan currency |
- national currency of the Republic of Uzbekistan - UZS (soum); - US dollar – only for legal entities, through the sale of foreign currency to the Bank (summarization) for intra-republican settlements in accordance with the established procedure; |
| Loan amount | no more than 10,000,000,000.0 (ten billion) soum (inclusive) in the national currency of the Republic of Uzbekistan or the equivalent of this amount in foreign currency at the exchange rate of the Central Bank of the Republic of Uzbekistan on the day of the decision to provide the loan; |
| Loan issuance form | the loan is issued in non-cash form in accordance with the established procedure; |
| Loan term | up to 120 months |
| Interest rate |
In the national currency of the Republic of Uzbekistan – 24% per annum; in foreign currency (US dollar) – 13% per annum ; |
| Grace period for repayment of principal debt | the maximum grace period shall not exceed 6 (six) months; |
| Repayment procedure | monthly (annuity method) |
| Early repayment | full or partial early repayment of the loan is permitted without fees or penalties; |
| Amount of security |
Amount of security If cash is provided as security: a) in the loan currency, the security amount must be at least 100% of the loan amount; b) in the currency other than the loan currency, the security amount must be at least 115% of the loan amount; In other cases, the total security amount must be at least 120% of the loan amount. |
| Main types of loan collateral |
- real estate (residential/non-residential); - cash security; Combined security is possible. |
| Main requirements for a potential borrower |
- business entities - legal entities and individual entrepreneurs who have undergone state registration in the established manner and are engaged in entrepreneurial activities, registered in the manner established by the legislation of the Republic of Uzbekistan; - availability of a primary/secondary demand deposit account with JSCB “Kapitalbank”; - absence of a negative credit history, in accordance with the requirements of the Bank's Credit Policy; - sufficiency of projected cash flows for the financed project. - availability of relevant permits, confirmation of acceptance of notifications and licenses for the carried out activities in accordance with the requirements of the legislation of the Republic of Uzbekistan; - client can contact the bank's branch/Central Bank of Uzbekistan located in the region where the client's business is carried out/where the client is registered/where the proposed security is located; - legal entities operating at a loss are not eligible for lending; - other requirements for a potential borrower, security and conditions for obtaining a loan are regulated by the Bank's Credit Policy and other internal rules of the Bank in the field of lending* * For more detailed information on lending terms, including borrower requirements, security, and the loan application process, please contact the Bank's branches. |
List of documents for legal entities:
- Loan application;
- Copy of the constituent documents, including all amendments and additions thereto;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the director, founders, and chief accountant;
- Documents confirming the authority of a person to sign the loan agreement on behalf of the Client in accordance with the legislation of the Republic of Uzbekistan;
- Resolution/minutes of the founder(s) of the legal entity on obtaining a loan;
- Order of the head of the legal entity on obtaining credit funds;
- Document confirming the place of business operations;
- Client’s financial statements: balance sheet for the latest reporting period (Form No. 1); statement of financial results (Form No. 2).
- Loan application;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the individual entrepreneur;
- Document confirming the place of business operations.
- Documents related to the collateral and the owner of the pledged property;
- Documents confirming the market value of the pledged property (independent valuation report, etc.).
- If necessary, the Bank may request additional documents for the review of the application.
How do I get a loan from Kapitalbank JSCB?
Step 1 |
Consultation Select a Bank branch that is conveniently located for you to meet with a Bank specialist. During the meeting, the specialist will provide you with a list of documents required to obtain a loan, advise you on their format and content, and answer any questions you may have. |
Step 2 |
Document collection and loan application submission Collect the full set of required documents. During the meeting, complete the loan application together with the Bank specialist and submit the full set of required documents. |
Step 3 |
Review of the loan application and decision-making by the Bank The period from the date the Bank receives the loan application along with the complete set of required documents to the date the Bank makes a decision shall not exceed the timeframe established by the legislation of the Republic of Uzbekistan. The review period and decision-making timeline depend on the completeness of the documents submitted. |
Step 4 |
Execution of the loan agreement, collateral arrangement, and disbursement of funds In the event of a positive decision, you will sign the loan agreement, arrange the required collateral, and receive the funds in accordance with established procedures. |
| Purpose of the loan | Replenishment of working capital of microfinance organizations for the provision of microfinance services (provision of microcredits and microloans) |
| Type of loan | Credits without opening a revolving credit line, incl. provided under the Master Agreement for opening of the framework facility (FF) |
| Loan currency |
- national currency of the Republic of Uzbekistan – soum (UZS); - foreign currency - only for legal entities, through the sale of foreign currency to the Bank (sumarization) for the implementation of intra-republican settlements in accordance with the established procedure; |
| Loan amount | no more than 10,000,000,000.0 (ten billion) UZS (inclusive) in the national currency of the Republic of Uzbekistan or the equivalent of this amount in foreign currency at the exchange rate of the Central Bank of the Republic of Uzbekistan on the day of the decision to provide a credit/conclusion of the Master Agreement for opening of the FF |
| Loan disbursement method |
credits are issued non-cash, by transferring credit facilities in the following manner: a) for microloans – credit facilities are credited to a separately opened demand deposit account of the microfinance organization (Borrower) at the branch/separate division of the Bank where the credit is provided, with subsequent withdrawal in cash or transfer to the accounts of individuals receiving the microloans; b) for microcredits – credit facilities are credited to a separately opened demand deposit account of the microfinance organization (Borrower) at the branch of the Bank where the credit is provided, with subsequent transfer of funds under the agreements to the accounts of sellers, or by transfer of funds from the credit account under the agreements to the accounts of sellers. |
| Credit Term/FF Term |
Master Agreement for opening of the FF is concluded for a term of no more than 62 (sixty-two) months. Credit agreements under the FF and one-time credit agreements are concluded for a term of no more than 12 (twelve) months |
| Interest rate |
In the national currency of the Republic of Uzbekistan – 26% per annum; in foreign currency – 14% per annum; |
| Grace period for repayment of principal debt | not provided |
| Repayment procedure | monthly (annuity method) |
| Early repayment | Full or partial early repayment of the credit is permitted without fees or penalties. |
| Collateral amount |
If cash is provided as collateral, the collateral amount must be at least 115% of the credit amount/Master Agreement for opening of the FF In other cases, the total collateral amount must be at least 125% of the credit amount/Master Agreement for opening of the FF. |
| Main types of loan collateral |
- real estate (residential/non-residential); - vehicles or special equipment; - jewelry; - cash collateral; Combined security is possible. |
| Main requirements for a potential borrower |
- legal entities (microfinance organizations) registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan; - availability of a primary/secondary demand deposit account at the Bank branch where the loan is provided; - no negative credit history, in accordance with the requirements of the Bank’s Credit Policy; - sufficiency of projected cash flows for the financed project. - the required period for carrying out the activity is not less than 6 (six) months; - availability of relevant permits, confirmations of acceptance of notifications, and licenses for the activities carried out in accordance with the requirements of the legislation of the Republic of Uzbekistan; - the client may contact the bank’s branch/Bank Service Center located in the region where the client operates/is registered/where the proposed collateral is located; - enterprises operating at a loss are not eligible for lending; - other requirements for a potential borrower, collateral and conditions for obtaining a credit are regulated by the Bank’s Credit Policy and other internal rules of the Bank in the field of lending* * For more detailed information on lending terms, including borrower requirements, collateral, and the credit application process, please contact the Bank’s branches. |
List of documents for legal entities:
- Loan application;
- Copy of the constituent documents, including all amendments and additions thereto;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the director, founders, and chief accountant;
- Documents confirming the authority of a person to sign the loan agreement on behalf of the Client in accordance with the legislation of the Republic of Uzbekistan;
- Resolution/minutes of the founder(s) of the legal entity on obtaining a loan;
- Order of the head of the legal entity on obtaining credit funds;
- Document confirming the place of business operations;
- Client’s financial statements: balance sheet for the latest reporting period (Form No. 1); statement of financial results (Form No. 2).
- Loan application;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the individual entrepreneur;
- Document confirming the place of business operations.
- Documents related to the collateral and the owner of the pledged property;
- Documents confirming the market value of the pledged property (independent valuation report, etc.).
- If necessary, the Bank may request additional documents for the review of the application.
How do I get a loan from Kapitalbank JSCB?
Step 1 |
Consultation Select a Bank branch that is conveniently located for you to meet with a Bank specialist. During the meeting, the specialist will provide you with a list of documents required to obtain a loan, advise you on their format and content, and answer any questions you may have. |
Step 2 |
Document collection and loan application submission Collect the full set of required documents. During the meeting, complete the loan application together with the Bank specialist and submit the full set of required documents. |
Step 3 |
Review of the loan application and decision-making by the Bank The period from the date the Bank receives the loan application along with the complete set of required documents to the date the Bank makes a decision shall not exceed the timeframe established by the legislation of the Republic of Uzbekistan. The review period and decision-making timeline depend on the completeness of the documents submitted. |
Step 4 |
Execution of the loan agreement, collateral arrangement, and disbursement of funds In the event of a positive decision, you will sign the loan agreement, arrange the required collateral, and receive the funds in accordance with established procedures. |
| Purpose of the loan | general-purpose (non-targeted) loan for business activities |
| Type of loan | loans without the establishment of a revolving credit line, including those granted under a General Agreement on the opening of a Revolving Credit Line (RCL) |
| Loan currency |
- national currency of the Republic of Uzbekistan – soum (UZS); - foreign currency - only for legal entities, by selling foreign currency funds to the Bank (conversion into soum) for domestic settlements in accordance with established procedures; |
| Loan amount | Loan amount not exceeding 10,000,000,000.0 (ten billion) soums (inclusive) in the national currency of the Republic of Uzbekistan, or the equivalent amount in foreign currency at the exchange rate of the Central Bank of the Republic of Uzbekistan effective on the date of the decision to grant the loan/to enter into a General Agreement on the opening of a Revolving Credit Line (RCL). |
| Loan disbursement method | Loan disbursement method the loan shall be disbursed in non-cash form by transferring the loan funds to the Borrower’s current account (in the case of a foreign currency loan, disbursement shall be carried out through the sale of foreign currency funds to the Bank (conversion into soum) for the purpose of conducting domestic settlements in accordance with established procedures). |
| Loan term/term of RCL (Revolving Credit Line) |
The term of the General Agreement on the opening of a Revolving Credit Line (RCL) shall not exceed 62 (sixty-two) months (the maximum term is subject to the collateral provided); Loan agreements, including those concluded under the General Agreement on the opening of a Revolving Credit Line (RCL), shall be concluded for a term not more than 60 (sixty) months and not less than 24 (twenty-four) months, the maximum term being subject to the collateral provided |
| Interest rate |
In the national currency of the Republic of Uzbekistan – 26% per annum; in foreign currency – 14% per annum; |
| Principal repayment grace period |
the maximum grace period shall not exceed: - 3 (three) months for a loan term of 24 (twenty-four) months; - 6 (six) months for a loan term exceeding 24 (twenty-four) months; |
| Repayment procedure | monthly (annuity method) |
| Early repayment | Full or partial early repayment of the credit is permitted without fees or penalties. |
| Collateral amount |
in case cash funds are provided as collateral, the amount of such collateral shall be not less than 115% of the loan amount/the General Agreement on the opening of an RCL. in all other cases, the total amount of collateral shall be not less than 125% of the loan amount/the General Agreement on the opening of a RCL. |
| Main types of loan collateral |
- real estate; - motor vehicles (with a maximum operating age not exceeding 7 (seven) years from the date of manufacture); - special machinery (with a maximum operating age not exceeding 10 (ten) years from the date of manufacture); - jewelry; - cash collateral; Combined forms of collateral are allowed. |
| Main requirements for a potential borrower |
- business entities (legal entities and individual entrepreneurs operating without forming a legal entity), registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan; - availability of a primary/secondary demand deposit account with JSCB “Kapitalbank”; - absence of a negative credit history in accordance with the requirements of the Bank’s Credit Policy; - sufficiency of projected cash flows of the financed project; - minimum required experience of the potential borrower in the financed business of not less than 6 (six) months; - availability of the relevant permits, confirmations of notification acceptance, and licenses for the conducted activities in accordance with the requirements of the legislation of the Republic of Uzbekistan; - the client may apply to a branch/Banking Services Center of the Bank located in the region where the client conducts its activities, where the client is registered, or where the proposed collateral is located; - loss-making enterprises shall not be eligible for lending; - other requirements for the potential borrower, collateral, and conditions for obtaining a loan shall be governed by the Bank’s Credit Policy and other internal lending regulations of the Bank*. * For more detailed information on lending terms, including borrower requirements, collateral requirements, and the loan granting procedure, you may contact the Bank’s branches. |
List of documents for legal entities:
- Loan application;
- Copy of the constituent documents, including all amendments and additions thereto;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the director, founders, and chief accountant;
- Documents confirming the authority of a person to sign the loan agreement on behalf of the Client in accordance with the legislation of the Republic of Uzbekistan;
- Resolution/minutes of the founder(s) of the legal entity on obtaining a loan;
- Order of the head of the legal entity on obtaining credit funds;
- Document confirming the place of business operations;
- Client’s financial statements: balance sheet for the latest reporting period (Form No. 1); statement of financial results (Form No. 2).
- Loan application;
- Certificate of the Client’s registration for conducting entrepreneurial activity;
- Copy of the identity document of the individual entrepreneur;
- Document confirming the place of business operations.
- Documents related to the collateral and the owner of the pledged property;
- Documents confirming the market value of the pledged property (independent valuation report, etc.).
- If necessary, the Bank may request additional documents for the review of the application.
How do I get a loan from Kapitalbank JSCB?
Step 1 |
Consultation Select a Bank branch that is conveniently located for you to meet with a Bank specialist. During the meeting, the specialist will provide you with a list of documents required to obtain a loan, advise you on their format and content, and answer any questions you may have. |
Step 2 |
Document collection and loan application submission Collect the full set of required documents. During the meeting, complete the loan application together with the Bank specialist and submit the full set of required documents. |
Step 3 |
Review of the loan application and decision-making by the Bank The period from the date the Bank receives the loan application along with the complete set of required documents to the date the Bank makes a decision shall not exceed the timeframe established by the legislation of the Republic of Uzbekistan. The review period and decision-making timeline depend on the completeness of the documents submitted. |
Step 4 |
Execution of the loan agreement, collateral arrangement, and disbursement of funds In the event of a positive decision, you will sign the loan agreement, arrange the required collateral, and receive the funds in accordance with established procedures. |