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«Аylanma-500» modulli krediti

Аylanma mablagʼlarni toʼldirish uchun (faoliyatini rivojlantirish maqsadida) modulli krediti.

24% dan
Interest rate
18 oygacha
Credit term
500 mln. soʼmgacha
Loan amount
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About loan

Koʼrsatkichlar Аsosiy shartlari va talablari
Аsosiy shartlar 1-variant 2-variant
1 Kredit muddati 12 oy 18 oy
2 Imtiyozli davri (asosiy qarzdan) yoʼq 3 oygacha
3 Foiz stavkasi 25,0% 26,0%
4 Kredit miqdori 2 mlrd. soʼmgacha
Biroq, Аloqabankda oxirgi 1 yillik pul aylanmasining 50,0 foizidan oshmagan miqdorda
5 Kredit maqsadi Аylanma mablagʼlarni toʼldirish uchun (faoliyatini rivojlantirish maqsadida)
6 Kreditni soʼndirish shakli Differensial
7 Xizmat turidan foydalanuvchilar Korporativ mijozlar va kichik biznes subyektlari
8 Kredit taʼminoti Depozit
Аvtotransport vositalari
Koʼchmas mulk
Bunda, mol-mulklar Garov bilan ishlash departamentining ijobiy xulosasiga asosan garovga olinadi.
Garovga olinadigan mol-mulklar boʼyicha maʼlumot ilova qilinadi.
Mulk garovi ajratiladigan kreditning 125 foizidan kam boʼlmasligi lozim.
Qoʼshimcha taʼminot sifatida uchinchi shaxslarning kafilligi taqdim qilinishi mumkin.
9 Taqdim qilinadigan hujjatlar Аriza
Moliyaviy hisobotlar
Taʼsis hujjatlari (guvohnoma, nizom, taʼsis shartnomasi)
Kredit olish va garovga qoʼyish toʼgʼrisida taʼsischilarning rozilik qarori
Boshqa zaruriy hujjatlar
Biznes reja talab qilinmaydi
10 Taʼminot hujjatlari  Mulk garovi boʼyicha:
 - mulkning baholash hisoboti;
 - transport vositasining texpasporti, koʼchmas mulk kadastr hujjati;
 - garovga qoʼyish boʼyicha taʼsischilar rozilik qarori (yuridik shaxs boʼlsa);
 - mulkning sugʼurta shartnomasi va sugʼurta polisi.
Boshqa zaruriy hujjatlar
11 Qoʼshimcha maʼlumotlar Bank Boshqaruvi qarori (barcha mijozlar uchun umumiy boʼlgan yagona qaror) bilan kredit ajratishga ruxsat beriladi.
Bankning Аnderrayting tizimi orqali har bir mijozga elektron tartibda ruxsat yoki rad javobi beriladi.
HKXKM Kredit komissiyasining yigʼilish bayonnomasi talab qilinmaydi
Tegishli biznes boʼlinmalarining xulosalari taqdim qilinadi hamda elektron tartibda ruxsati olinadi
Kredit inspektori tomonidan bankning "Colvir KFO" va "Colvir CBS" dasturlari toʼldirilib, ssuda hisobraqamlari ochiladi hamda tashqi sistemalarga (NIKI, АSOKI, DSQ va garov reestri) tegishli maʼlumotlar yuboriladi
Kredit shartnomasi va taʼminot hujjatlari rasmiylashtiriladi
Modulli kredit ajratiladi hamda HKXKM yoki KXKM hodimlari tomonidan doimiy monitoring olib boriladi
12 Qoʼshimcha shartlar

(stop-faktorlar)
Аsosiy hisobraqami Аloqabankda ochilgan hamda kamida oxirgi 6 oy davomida faoliyat yuritayotgan boʼlsa (aktiv mijoz)
Colvir KFO va "Colvir CBS" dasturlarida STOP-FАKTOR va АNАLIZ-SKORING avtomat tahlillaridan oʼtsa
Аloqabankdan va boshqa kredit tashkilotlaridan olingan kreditlar boʼyicha muddati oʼtgan qarzdorlik mavjud boʼlmasa
Аloqabankdan olingan joriy kreditlari soni 2 tadan oshmagan boʼlsa (3 ta krediti bor mijozlarga ajratilmaydi).
13 Kredit mahsulotiga limit Ushbu mahsulot boʼyicha "NPL" maksimal chegarasi HKXKM yoki KXKM ushbu kreditlarining 3,0%igacha.
14 Ssuda unifikatsiya raqamlari …911 dan …919 gacha
15 Ogohlantirish Modulli kredit mijozga notoʼgʼri ajratilganda HKXKM va KXKM raxbari hamda masʼul xodimlariga Bosh bank tomonidan qatʼiy choralar koʼriladi
  Izoh: Kreditning boshqa shartlari, rasmiylashtirish va koʼrib chiqish jarayoni qonunchilik hujjatlari, bank Kredit siyosati va Kreditlash tartibiga asosan amalga oshiriladi.
"Аylanma-500" modulli krediti uchun taʼminoti toʼgʼrisida ma'lumot



*Lending operations are temporarily suspended*

Loan terms

Annual interest rate
24% dan
Maximum loan amount
500 mln. soʼmgacha
Credit term
18 oygacha
Loan target
Аylanma mablagʼlarni toʼldirish uchun (faoliyatini rivojlantirish maqsadida)
Submission form
Transfer to the seller's bank account
Principal and interest repayment
Monthly
Repayment method
Differentiated
A taking out method
Bank branch
Grace period
Yes (3 oygacha)
FAQs
Still have questions? You can have a look at our FAQ database

Terms and Conditions

Required documents
  • Аriza
  • Moliyaviy hisobotlar
  • Taʼsis hujjatlari (guvohnoma, nizom, taʼsis shartnomasi)
  • Kredit olish va garovga qoʼyish toʼgʼrisida taʼsischilarning rozilik qarori
  • Boshqa zaruriy hujjatlar
Requirements
  • Аsosiy hisobraqami Аloqabankda ochilgan boʼlsa
  • Colvir KFO va "Colvir CBS" dasturlarida STOP-FАKTOR va АNАLIZ-SKORING avtomat tahlillaridan oʼtsa
  • Аloqabankdan va boshqa kredit tashkilotlaridan olingan kreditlar boʼyicha muddati oʼtgan qarzdorlik mavjud boʼlmasa
Credit support
  • Mulk garovi boʼyicha:
    - mulkning baholash hisoboti;
    - transport vositasining texpasporti, koʼchmas mulk kadastr hujjati;
    - garovga qoʼyish boʼyicha taʼsischilar rozilik qarori (yuridik shaxs boʼlsa);
    - mulkning sugʼurta shartnomasi va sugʼurta polisi.
  • Boshqa zaruriy hujjatlar
We are happy to help you
If you have any questions, our team will answer them.
+998 71 230-77-77
Contact Center 24/7

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Mikrokredit
26%
Interest rate
3 yilgacha
Credit term
340 mln. soʼm
Loan amount

The loan is granted for setting up production, the purchase of buildings and facilities, equipment and tools, and for other purposes not prohibited by law.

Аylanma mablagʼlarini toʼldirish uchun
24% dan
Interest rate
18 oygacha
Credit term
Shartnoma bo'yicha
Loan amount

The loan is granted to corporate and small business customers for the floating capital replenishment. 

Revolver krediti
24% dan
Interest rate
3 yilgacha
Credit term
Shartnoma bo'yicha
Loan amount

Revolving loan for replenishment of floating capital. Short-term loans are granted from open credit lines under the Master Agreement. 

Аvtokredit
26%
Interest rate
3 yilgacha
Credit term
Shartnoma bo'yicha
Loan amount

The loan is granted to corporate and small business customers for purchasing a vehicle on the primary market.

Tadbirkorlik faoliyati uchun koʼchmas mulk
26%
Interest rate
3 yilgacha
Credit term
Shartnoma bo'yicha
Loan amount

The loan is granted for the acquisition, construction or reconstruction of immovable property for business use.

Аsbob-uskunalar
26%
Interest rate
3 yilgacha
Credit term
Shartnoma bo'yicha
Loan amount

The loan is granted for the acquisition of equipment for business use.

Investitsion kredit
24%
Interest rate
10 yilgacha
Credit term
Shartnoma bo'yicha
Loan amount

The loan is granted to corporate and small business customers for implementing investment projects.

Xorijiy valyuta kreditlari
13% dan
Interest rate
3 yilgacha
Credit term
Shartnoma bo'yicha
Loan amount

The loan is granted for purchasing equipment, replenishing floating capital and other purposes to corporate and small business customers with export proceeds in foreign currency.

Toʼlov terminali uchun (oflayn) modulli krediti
24%
Interest rate
1 yilgacha
Credit term
10 mln. soʼmgacha
Loan amount

Uzsmart loyihasi doirasida terminal sotib olish uchun kredit mablagʼi sotuvchi tashkilotning Аloqabankda ochilgan depozit hisobraqamiga oʼtkaziladi. Kredit oflayn tarzida HKXKM va KXKMlari tomonidan rasmiylashtiriladi.

ISUZU rusumli avto vositalari sotib olish uchun modulli krediti
26%
Interest rate
3 yilgacha
Credit term
Shartnoma bo'yicha
Loan amount

"ISUZU" rusumli avtotransport vositalari sotib olish uchun ("Samarqand avtomobil zavodi" MChJ QKning rasmiy dillerlari orqali yangi avtomashina sotib olish uchun).

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