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Purpose of the loan:
A microloan shall be granted upon submission to the Bank of duly executed collateral in accordance with the established procedure.
The microloan is provided by transferring loan funds to the card of the borrower opened in Kapitalbank
Borrower's check list
How many days will it take to process a loan application?
Consideration and response on granting or refusal of a loan is carried out within a few working days.
In what order is the credit repaid?
Repayment is made monthly, without a grace period, annuity method.
- Microloan for own needs of an individual
- In case of provision of security in the form of solid collateral (in the form of motor vehicles or immovable property), in the amount of not less than 100% of the microloan amount - 30% per annum;
- In case of securing a policy of loan default risk, or the amount of the microloan exceeds the amount of solid collateral (in the form of motor vehicles or immovable property) - 40% per annum.
- Pledge of passenger motor vehicles (as well as cargo vehicles with load capacity up to 1 ton) with internal combustion engine produced by the manufacturers (and/or brands) Chevrolet (Daewoo, Ravon), Kia, Skoda, Hyundai, BYD, and insurance policy on insuring the risk of non-payment of the microloan in favor of the Bank. The age of the motor vehicle must not exceed 5 years.
Moreover, the period of possession of the motor vehicle by the pledger must be not less than 3 months.
The borrower is obliged to insure the pledged motor vehicles for the entire term of the microloan agreement. - Pledge of immovable property, and insurance policy on insurance of the risk of non-payment of the microloan in favor of the Bank.
The borrower is obliged to insure the real estate pledged as collateral for the entire term of the microloan agreement. - For a microloan up to UZS 50,000,000, an insurance policy to insure the risk of non-payment of the microloan in favor of the Bank, in the amount of 120% of the microloan amount for the entire term of the microloan.
A microloan shall be granted upon submission to the Bank of duly executed collateral in accordance with the established procedure.
The microloan is provided by transferring loan funds to the card of the borrower opened in Kapitalbank
Borrower's check list
How many days will it take to process a loan application?
Consideration and response on granting or refusal of a loan is carried out within a few working days.
In what order is the credit repaid?
Repayment is made monthly, without a grace period, annuity method.
- Be a resident of the Republic of Uzbekistan;
- Compliance with the "Debt Load" (not more than 50%). It is allowed to accept co-borrowers, in case of insufficient income;
- No negative credit history, according to the requirements of the Bank's Credit Policy;
- Have a continuous source of officially confirmed income for the last 6 (Six) months;
- No debts for the supply of electricity, natural gas, water supply and sewage services, mandatory payments for the collection and removal of solid domestic waste, as well as debts on executive documents of property nature in the database of the Bureau of Enforcement under the General Prosecutor's Office of the Republic of Uzbekistan;
- Other claims
- Original passport
- Evaluation report
- Availability of permanent income
Information not available
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