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Special currency regime to operate in Navoi FIEZ

03.01.2014 2063

03.01.2014  "UzReport"

     In Navoi free industrial economic zone (FIEZ) will be introduced a special currency regime.
     The relevant Regulations have been approved by the Resolution of the Cabinet of Ministers of Uzbekistan on December 25, 2013.
     The document defines the functioning of a special currency regime in Navoi FIEZ.
     These regulations apply only to activities undertaken by business entities, registered by Navoi FIEZ Directorate solely in Navoi FIEZ.
     According to the document, Parties in Navoi FIEZ (hereinafter- Parties) may choose authorized banks and are entitled to open foreign currency accounts in one or several authorized Uzbek banks.
     Parties may also have accounts in foreign banks with the permission from the Central Bank of Uzbekistan in accordance with legislation.
     Their funds in foreign currency should be in accounts in authorized banks and may be used by them independently.
     Proceeds in foreign currency, including from exports of goods (works, services) shall be credited to their accounts within authorized banks.
     Parties are permitted to carry out within Navoi FIEZ settlements and payments in foreign currency in accordance with agreements and contracts between them.
     Parties have the right to pay in foreign currency for goods, works and services from other economic entities - residents of the Republic of Uzbekistan.
     In addition, participants can use convenient terms and forms of payments for exported and imported goods.
     Business entities - residents of the Republic of Uzbekistan, non Parties, have the right to sell goods, works and services to Parties for foreign currency.
     On foreign currency accounts of Parties in authorized Uzbek banks can be credited funds in foreign currency:
- on foreign trade payments;
- on payments within contracts signed with Parties.
- purchased through authorized Uzbek banks
- cash in foreign currency received by Parties in cases prescribed by legislation ;
- added to charter fund (authorized capital) of Parties in manner prescribed by law;
- on loans and foreign investments in accordance with the legislation, and payments related to their implementation ;
- payments on debit and credit cards;
- non-trade payments in cases prescribed by law;
- received in the form of grants from abroad in accordance with legislation;
- transferred from other accounts of account holder;
- in other cases not prohibited by law.
Funds in foreign accounts of Parties in authorized Uzbek banks at account holder request may be:
- transferred for payments related to current international operations;
- transferred to accounts of Parties in accordance with agreements and contracts;
- transferred to accounts of other economic entities - residents of the Republic of Uzbekistan in return for supply of goods, works and services;
- used to pay commission on foreign currency transactions to authorized bank, for payment of expenses related to employees business trips outside Uzbekistan (including in cash) in prescribed manner;
- used for repayment of loans, interest;
- transferred on expenses for including in charter capital (authorized
capital) of legal entities in accordance with legislation;
- sold to servicing bank on the territory of Uzbekistan;
- used to pay salaries of Parties’ non-resident staff;
- transferred to Parties other accounts, opened in other authorized Uzbek banks;
- used for non-trade payments in cases prescribed by law;
- used in other cases established by legislation.
     All movement of funds through Parties accounts, opened in banks abroad, should be carried out in accordance with Uzbek laws, on the basis of which has been granted permission to open foreign bank accounts.
     Parties can buy and sell foreign currency in domestic market through authorized banks by submitting an application and related documents in manner established by law.
     Regulations also prescribe procedure of accounting and export and import contracts fulfillment.
     Control over the correctness of Parties’ currency transactions shall be carried out by state tax agencies of Uzbekistan in accordance with legislation.
     Authorized banks shall submit to the Central Bank of Uzbekistan reports on foreign exchange operations on the territory of Navoi FIEZ in the form and terms established by the Central Bank of the Republic of Uzbekistan.
     Parties who violate the requirements of the Regulations and the legislation on currency regulation, shall be held responsible in the manner prescribed by law.


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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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To unblock the card, you must contact the bank branch where the card was opened  with your identity document.
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.
  • If you have forgotten your card PIN, please come with your identity document to the bank where the card was opened.
  • 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
It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.
  • If you want to transfer the right to dispose of your deposit to a third party, you must execute a power of attorney certified through a notary office.
  • 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.
- 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 must exceed 1 year
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.

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