Updated: 09-10-2025
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up to 1 billion UZSloan amount -
up to 28 %interest rate -
up to 60 monthsloan term
| Main Characteristics of the Proposed Product | |
| Indicator | Value/Description |
| Client Segmentation | Individual entrepreneurs |
| Key Requirements for Loan Issuance | 1. Availability of a primary or secondary account in the system of JSC “Garant bank”; 2. Good credit history; 3. No debts under File No. 2; 4. Absence of any debts subject to enforcement under an executive case initiated by the Bureau of Compulsory Enforcement. |
| Requirements for a Good Credit History | 1. No overdue debt; 2. No outstanding loan balances subject to litigation, including principal and interest amounts transferred to an off-balance sheet account; 3. Credit Information Analysis Center (KIAC) score above 200 points; 4. No active loans classified as "unsatisfactory," "doubtful," or "hopeless"; 5. No overdue payables in affiliated companies within JSC “Garant bank”’s system. For loans obtained within the last 12 months: 6. No more than five overdue payments exceeding 60 days; 7. No more than two overdue payments exceeding 90 days. |
| Client Account Type | Primary or secondary |
| Loan Issuance Method | Through a closed credit line |
| Loan Amount | Up to 1,000,000,000 (one billion) UZS |
| Loan Term | Up to 60 months |
| Grace Period | Up to 3 months |
| Loan Purpose | No specific purpose required |
| Loan Currency | National currency (UZS) |
| Funding Source | From the Bank’s own and/or borrowed funds |
| Loan Disbursement Method | 1. In the form of cash (payment order/check) 2. Via transfer to a corporate plastic card |
| Minimum Interest Rate on the Loan | - 28% per annum for loan terms up to 36 months; - 30% per annum for loan terms up to 60 months. These rates may be subject to change based on the decision of the Liquidity and Resources Management Committee. |
| Interest Rate on Overdue Debt | Increased by 1.5 times the applicable interest rate |
| Interest Calculation | Interest is accrued daily at a fixed rate and repaid according to the approved repayment schedule |
| Repayment Period for Principal and Interest | Principal and interest payments – monthly |
| Interest Calculation Methods | Annuity / Differentiated |
| Loan Collateral | Not less than 125% of the loan amount (130% for affiliated parties) |
| Types of Acceptable Collateral | 1. Monetary funds; 2. Real estate property; 3. Vehicles manufactured no more than 5 years ago; 4. Other forms of collateral not prohibited by law. |
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Опрос
Мы были бы признательны, если вы согласитесь пройти небольшой опрос, чтобы мы могли улучшить условия и сделать наш сервис еще более удобным для вас. Ваше мнение очень важно для нас.
С уважением, Garant bank.
