Financing of long-term projects providing for the construction, acquisition and expansion (renewal) of fixed assets/funds (property complexes, equipment, vehicles and other movable and immovable property) for carrying out activities, as well as refinancing of a loan previously issued for the acquisition of fixed assets by another bank

Credit without opening a credit line
Non-renewable credit line opening credit

The national currency of the Republic of Uzbekistan is sum

The loan amount is determined based on the borrower's financial position, deposit account turnover, and provided collateral; it cannot exceed 70% of the total project cost

No more than 60 months

No more than 12 months

Monthly/quarterly/semi-annual payments, as well as individually, depending on the borrower's activities and the seasonal nature of the business

Monthly/quarterly/semi-annual payments, as well as individually, depending on the borrower's activities and the seasonal nature of the business

Not less than 125% of the loan amount (130% for individuals affiliated with the bank). The following is accepted as collateral for the loan:
1. Mortgage of movable and immovable property;
2. Third-party guarantees and sureties;
3. Pledge of funds, including deposits;
4. Loan default risk insurance policy;
5. Equipment pledge;
6. Other types of security provided for by the current legislation of the Republic of Uzbekistan, the Credit Policy of JSC "APEX BANK" and other local acts of the bank.

Business entities carrying out financial and economic activities for at least 6 months, meeting the following requirements:
1. Availability of a deposit account in JSC "APEX BANK";
2. Having a positive or good credit history;
3. Availability of a liquid balance sheet and profitable activity;
4. Availability of stable turnover from economic activity on deposit accounts;
5. Availability of permits, if the activity provides for them (licenses, certificates, opinions, etc.);
6. The borrower is required to participate in the project with their own funds in the amount of at least 30% of the total project cost;
7. Not being in the bankruptcy or court proceedings stage and having a stable current and prospective financial position;
8. Availability of stable sources for repayment of obligations to banks;
9. The absence of outstanding overdue debt on previously conducted credit operations (principal or interest) with banks and non-bank credit institutions;
10. Lack of large stocks of finished non-liquid products;
11. The absence of beneficial owners in national and international sanctions lists.