Documents required to get the service

To obtain a credit a borrower submits an application for credit. With the application for the credit borrower submits a package of documents required by regulations valided at the date of the loan application.

Legal basis for service provision

Credits are granted in accordance with the Civil Code of the Republic of Uzbekistan, the Law of the Republic of Uzbekistan "On banks and banking activity", Regulations of the Central Bank of the Republic of Uzbekistan "On the procedure for conducting the loan documentation in banks of Uzbekistan" (new edition) (registration number 906 MJ of 2.03 .2000, as amended), "On the order of accounting loans in commercial banks" (registration number 1435 MJ per year from 17.12.2004) Credit policy and internal regulations of the bank.

Cost and method of payment for the service

Interest on loans is set by agreement of the parties and specified in the loan agreement.

Period of dealing with an application

According to agreement.

Methods for obtaining results

Getting information about granting credit of legal persons.

Result of the service

Getting information.

Reasons for refusal

The reason for denial of credit are the follows:

- absence of the person who applied for the service, the right to receive it or authority to act on behalf of the borrower;

- presence in the documents submitted to the Bank incorrect information;

- negative credit history;

- insolvency, the presence of losses, lack of working capital, or their diversion to doubtful debtors;

- education illiquid stocks of finished goods;

- absence of liquid collateral for the requested loan;

- other reasons established by the legislation of the Republic of Uzbekistan, credit policies and regulations of the Bank.

Order of appeal

In case of unjustified refusal to open an account, legal person may apply to the superior organization of the branch or branches of the bank.