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Single phone number : (71) 210-20-02 Online application for the credit

Missed call - missed opportunity!

Created at: 02.06.2020 | Updated at: 25.01.2021

Convenient percent rates


Convenient credit period


Less documents


What is Microcredit?

A short-term loan that will be transferred from the loan account to the main account of an individual entrepreneur and legal entity for making payments

Additional information

No target loan

Credit calculation

How much you need?

1000000 sum

Credit period

25 oy

sum

the amount of principal to be repaid

30 %

Annual rate is not less than 22% and 24%, depending on the borrower's monthly turnover


What should you do in order to get a credit?

1

Appeal

To do this, contact the bank with the necessary documents for your project.

2

Wait for the decision of the underwriter

The documents submitted for obtaining a loan will be reviewed by the Underwriter.

3

Use credit effectively

Pay off credit debts on time


Required documents

1

Application

2

Constituent documents

3

Financial report

4

Procurement documents

5

As well as other necessary documents

What are the credit conditions?

Maximum credit amount

Up to 50 million soums

Credit valid period

12 months

Credit preferred period

1 month


Credit supply

Types of security not prohibited by law: property, a guarantee from a third party, insurance, etc.

Paying percent rate

Not later than the 15th day of each month


Important requirements

It is allocated to clients who have a main account in the bank system for a period of at least twelve months, as well as those who do not have any overdue debts and have a permanent cash flow at the bank's branch; Based on the average monthly turnover of the main account of the borrower over the past 12 months, from 25 million to 50 million soums.

  • Can I get a cash loan
  • What is a grace period for a loan
  • What documents do business entities that do not have legal entity status provide for obtaining a loan
  • What documents provide constituent entities of the status of a legal entity for a loan
  • Are there loans for working capital financing
  • What are the conditions of the loan for the purchase of fixed assets
  • Is it possible to get a loan against the security that was provided as security for the property without taking from a previous loan
  • Today I find it difficult to pay interest on a loan. So I want to extend the loan term
Can I get a cash loan
According to the current legislation in the Xalq Bank system, loans for legal entities are allocated only by transferring funds under the contract for the sale of products provided by the client.
What is a grace period for a loan
During the grace period, payments on the principal amount are not made, and the client only pays interest on a monthly basis until the principal debt is paid off.
What documents do business entities that do not have legal entity status provide for obtaining a loan
Clients who do not have the status of a legal entity to obtain a loan provide the following documents: • Application for a loan; • Certificate; • Business plan with full cash flows; • Credit security documents; • Contracts for the sale of goods. At the same time, the bank may require other documents necessary for a full analysis of the project.
What documents provide constituent entities of the status of a legal entity for a loan
Clients with the status of a legal entity to obtain a loan provide the following documents: • Application for a loan; • Constituent documents; • Protocol of the meeting of the founders of the enterprise or the decision of the founder (the protocol of the founders on obtaining loans is signed); • Decision of the founders on the appointment of the head and chief accountant of the enterprise; • License for activity; • Business plan with full cash flows; • Financial statements for the last reporting date; • Information on the enterprise’s accounts in all banks and cash flows, balances and file cabinet 2 on these accounts (if there are secondary accounts); • Credit security documents; • Contracts for the sale of goods. At the same time, the bank may require other documents necessary for a full analysis of the project.
Are there loans for working capital financing
You can get loans allocated for working capital replenishment at the branches of Xalq Bank for a period of 12 to 18 months with a grace period of 1 to 3 months, subject to payment of commercial interest established in accordance with the bank’s policy
What are the conditions of the loan for the purchase of fixed assets
In accordance with the approved internal regulations of the Bank, loans are granted for a period of 36 months with a grace period of up to 6 months.
Is it possible to get a loan against the security that was provided as security for the property without taking from a previous loan
It is possible to obtain a loan in the amount of the previously provided collateral. To do this, you can contact our bank branch.
Today I find it difficult to pay interest on a loan. So I want to extend the loan term
If you want to extend the loan term, you contact the bank branch, where a loan was issued for you and submit an application. After that, your appeal will be considered in the Central Office of the bank, where permission is decided or in the refusal to extend the loan repayment period.
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