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Credit 23

  • Do you extend consumer loans?
    Do you extend consumer loans?

    Yes, “Kapitalbank” JSCB extends consumer loans. Consumer loan is extended for goods and services manufactured within the Republic of Uzbekistan
  • Does your bank extend consumer loans in cash or on borrower’s card?
    Does your bank extend consumer loans in cash or on borrower’s card?

    Payment of consumer loan in cash and on borrower’s card is prohibited by law.
  • How can I use consumer loan?
    How can I use consumer loan?

    Consumer loan is extended for goods and services manufactured within the Republic of Uzbekistan
  • For what term and with what interest can I obtain a consumer loan?
    For what term and with what interest can I obtain a consumer loan?

    Consumer loans are extended for a term of 1 to 5 years depending on loan purpose. 27 % per annum.
  • Can I get information on terms and interest on consumer loans?
    Can I get information on terms and interest on consumer loans?

    Consumer loans are extended for a term of 1 to 5 years depending on loan purpose. 33 % per annum.
  • Can I get a consumer loan at your bank?
    Can I get a consumer loan at your bank?

    Yes, “Kapitalbank” JSCB extends consumer loans.
  • Can I get a consumer loan without a down payment?
    Can I get a consumer loan without a down payment?

    The primary contribution is not needed, on household loans the payment is on account of the loan 100%, EXCEPT AUTO LOANS
  • Does your bank extends consumer loans on preferential terms?
    Does your bank extends consumer loans on preferential terms?

    No
  • What is a form of consumer loan?
    What is a form of consumer loan?

    Consumer loan is extended by transfer of funds to the deposit account of the manufacturer / distributor of goods or to the account of the organization rendering the services.
  • Can I get a mortgage loan for an apartment from the secondary market?
    Can I get a mortgage loan for an apartment from the secondary market?

    Yes, the bank extends loans for apartments / houses from the secondary market.
  • Can I get a mortgage loan at your bank?
    Can I get a mortgage loan at your bank?

    Yes, you can
  • Can I get a mortgage loan without a down payment / own participation?
    Can I get a mortgage loan without a down payment / own participation?

    No, as down payment for mortgage loan is stipulated by law.
  • What is the minimum amount of own participation in a mortgage loan?
    What is the minimum amount of own participation in a mortgage loan?

    Minimum amount of own participation stipulated by law is 25% of purchase amount.
  • I am a pensioner, can I get a loan?
    I am a pensioner, can I get a loan?

    Yes, our bank extends loans to pensioners.
  • I am not employed officially, can I get a loan?
    I am not employed officially, can I get a loan?

    No, to get a loan you need to hold a permanent position.
  • I am a housewife, student, unemployed, can I get a loan?
    I am a housewife, student, unemployed, can I get a loan?

    No, you cannot
  • What is provided for in case of delay payment?
    What is provided for in case of delay payment?

    Interest increase
  • Do you extend preferential loans?
    Do you extend preferential loans?

    No
  • Why the interest is so high?
    Why the interest is so high?

    It corresponds to bank's business-plan
  • Can I get a loan without collateral or without prepayment?
    Can I get a loan without collateral or without prepayment?

    Yes we can, from certificate of insurance only on household loan
  • Can I get a loan if my official salary does not cover the monthly loan tranche?
    Can I get a loan if my official salary does not cover the monthly loan tranche?

    In case of income insufficiency, the bank may consider the income of the co-borrowers.
  • Which documents shall I submit to obtain a loan?
    Which documents shall I submit to obtain a loan?

    List of documents:
    v Passport of borrower;
    v Original of documents confirming source of income of the Borrower for the last 12 months indicating: the duration of employment (from which date he/she works, and from which date he/she occupies the current position - specify the position)
    • TIN (Taxpayer Identification Number) of the Client
    • INPS (individual accumulation pension account) of the Client
    • MFO of the bank where INPS is opened
    • TIN (Taxpayer Identification Number) of employer
    v Residence certificate (makhalla), certificate on family members v Assessment of real property v Cadastre + Guvohnoma for property When required and depending on loan purpose, the bank may request to submit additional documents (assessment of collateral, copy of technical passport, copy of cadastral documents)
  • Does your bank extend student loans, loans for purchase of appliances, cars and housing?
    Does your bank extend student loans, loans for purchase of appliances, cars and housing?

    Yes, it does. Dear client, for full information I can connect you to the nearest branch.
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