Credit "IMKONIYAT"

Loan Conditions

Loan Recipients

Individual entrepreneurs, farm enterprises, and legal entities with a positive credit history, operating for at least one year.

Purpose of Loan

Expansion of entrepreneurial activity.

Loan Currency

In the national currency.

Loan Term (depending on project repayment capacity)

Up to 84 months,
up to 36 months for working capital
(proportionally during the period of the budget loan allocated by the Ministry of Economy and Finance).

Grace Period for Principal Debt (depending on project repayment capacity)

Up to 36 months,

Up to 12 months for working capital.

Maximum Loan Amount

Up to 300 million UZS

(within a single project, up to 300 million UZS, with an unsecured part of the microloan up to 100 million UZS refinanced by the bank or provided with portfolio guarantees).

Annual Interest Rate

For the part up to 300 million UZS:

Directions not eligible for loans

Casinos, billiard halls, production and/or trade of alcoholic beverages and tobacco products;

Working capital for projects related to trade and catering in categories 1, 2, and 3 areas;

Repayment of previously obtained loans (leases) or any other debts;

Purchase of passenger vehicles not used in production for projects receiving assistance;

Existing warranty and compensation agreements for projects being refinanced or provided with portfolio guarantees, or previously used assistance types without a purpose.

Required Documents

Loan application;

Documents submitted for the loan for the entrepreneur or legal entity;

Statement about credit history provision;

Jurisdiction and main business activity documents;

Additional information on the borrower (if any);

Documents on the use of loan funds (project, business plan, etc.);

Collateral documents (if any);

Agreement or other documents.