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Banks of Uzbekistan to allocate 104.5 billion soums to the population for acquisition of household appliances of domestic manufacture

25.04.2012 2288

The Decree of the Cabinet of Ministers of April 17, 2012 'On additional measures to improve the social conditions of families' approved forecast parameters of production of household appliances by domestic manufacturers in 2012-2014 and the establishment of public laundries in arrays for individual housing construction in 2012. The volumes of consumer credits granted by commercial banks to the population to purchase household goods were approved.
The package of measures under the state program 'Year of the Family' is aimed at expanding the existing capacities of domestic production of household appliances, consumer crediting of families with durable goods and improvement of social conditions for women through establishment of public laundries, the document notes.
Enterprises specializing in automotive production, electrical engineering and aviation industry, manufacturing products with high added value, within three years will produce 283.5 thousand refrigerators, 106.6 thousand gas stoves, 33 thousand washing machines, 341.2 thousand TV-sets, 53 thousand vacuum cleaners, 74 thousand microwave ovens and other household appliances. Among them are the JSC Sino, PC Pontegreyn, LLC Ferette electronics (household refrigerators), Fergana plant of gas equipment and branch enterprise Eko Elektron (household gas stoves), JV Zenith Electroniks and LLC Sta -Plast (washing machines), JV Zenith Electroniks and OJSC Foton (TV-sets), JV White Machine technology (vacuum cleaners), JV Neo San light (microwave ovens and air conditioners), Uzelektroapparat-Electroshit (electric irons), etc.
Aspirations of local producers to manufacture popular products with high consumer properties are supported by the government in terms of sales.
It is predicted that under the state program 'Year of the Family' in 2012-2014 commercial banks in Uzbekistan allocate the population of Uzbekistan 104.5 billion soums of consumer loans for the purchase of electrical household appliances. Such loans of up to 50 times the minimum wage will be issued for up to three years in a simplified mechanism with providing only copies of passport, certificate of employment on wages, as well as the collateral for the loan, including guarantee of third parties. At the same time interest rates on consumer loans allocated will be set in an amount not exceeding the rate of refinancing of the Central Bank of the Republic of Uzbekistan. This year, it is scheduled to issue 30 billion soums of  credits to the country's population.
Another banking service will be further developed, a service that promotes consumer demand. The banks will develop and approve the internal regulations governing the procedure for granting an overdraft on microprocessor plastic cards of natural persons – employees, banks' corporate clients, with registration at provision of a copy of the passport, salary certificate and corporate client guarantees on obligations of its employees.
Particular attention is paid in the document to construction, reconstruction and equipping public laundries at built arrays for individual housing construction at own expense of businesses, as well as loans from commercial banks and other financial institutions. The aim is to facilitate women's work, creation of opportunities for more efficient use of time in active social, cultural, and economic activities, education of children.
In 2012 the country will create 75 public laundries. To do this, commercial banks in the country are recommended to open special credit lines for loans and provision of leasing services to business entities for the purchase of washing machines and other technological equipment necessary for laundry services.

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Latest site update date: 12.10.2024 04:59:41

License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
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Правила выдачи кредитов частным лицам
Определение кредитоспособности заемщика
1.1. При выдаче кредита частному лицу банк проводит анализ кредитоспособности заемщика.
1.2. Кредитоспособность заемщика определяется на основании его финансовой и кредитной истории, а также текущей финансовой ситуации.
1.3. Для определения кредитоспособности могут быть использованы следующие критерии
Условия выдачи кредита
При выдаче кредита частному лицу банк устанавливает следующие условия:

  • сумма кредита;
  • процентная ставка;
  • срок погашения кредита;
  • график платежей

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SMS notification for the Uzcard card can be activated through an ATM. SMS notification for the Humo card is activated through the bank branch where the card was opened.
You can order all cards in national and foreign currency remotely using the Milliy App.
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  • If you the card (UzCard/HUMO) is lost, you can block it yourself using the Milliy Bank App or call (78) 148-00 10 and ask the operators to block the card.
The identification procedure is carried out remotely, directly in the Milliy application itself. To do this, on the main screen in the application, click on the photo_2023-04-28_11-16-22.jpg icon in the upper left corner, and then select the “Identification” option from the menu and go through all its stages.
  • To change the phone number registered in the Milliy App, please come to the NBU branch which is convenient for you with your identity document.
  • An e-wallet is a system to store funds, as well as transfer money through an app to an account or bank card.
  • When you reset your password, you enter the "secret question answer"
Currently, the NBU offers the following international money transfers: Western Union, MoneyGram, KoronaPay, Asia Express, Contact, Unistream, Swift, as well as Sberbank.
Users of the Milliy Mobile App can receive transfers from Russia using the Sberbank Online service to an electronic wallet in national currency, to an UzCard or HUMO card of the NBU.

The transfer is made in rubles. Upon receipt on an electronic wallet or card, it is automatically converted into UZS. No additional fees are charged.
  • Visa Direct is a service for money transfer using the Milliy Mobile App to more than 50 countries of the world, including Visa cards of Uzbekistan banks.
  • identity document
  • MTCN or the tracking number
  • full name of remitter
  • country of remitter
  • expected amount of money
  • NBFAUZ2X
It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.
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  • No, you don't. The online deposit can be closed through the app.
  • Capitalization is the addition of accrued interest to the principal amount of the deposit.
  • This is the deposit with no fixed withdrawal period and the depositor can withdraw the funds at any time.
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
The period of registration of the company at the time of filing the application must be more than 6 months.
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.
- Constituent documents of the company (charter, registration certificate).
- Documents confirming the authority of the company's representatives.
- Vehicle Purchase Agreement.
- Documents confirming ownership of the collateral property (if a collateral is required).
- Professional Consultation and Support: Our specialists are always ready to provide professional consultation and support at all stages of the process, helping clients maximize the benefits of the offered loan products.
- Flexible Terms: Option to choose the optimal term and loan amount.
- Ease of Application: Minimal document requirements and a quick application review process.
- Business support: Financing that helps to renew the car fleet
The NBU aims to ensure a fast and efficient application review process. The average review period for an auto loan application for legal entities is 3 to 5 working days.
The collateral can be the new car being purchased.
The option to purchase new vehicles from official dealers.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.
The period of registration of the company must exceed 1 year
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.

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