№
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Questions
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Conditions
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1
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Borrower Requirement
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Small businesses
(for customers of Halk Bank)
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2
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Line of credit line funds
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Credit line for dekhkans and farmers, private suppliers of capital goods and services, dairy processors
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3
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Purpose of sending credit line funds
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Projects are focused on creating added value in the dairy sector. In particular:
1-component – to dekhkan farms – for the purchase of pedigree cows and equipment (mobile milking equipment, a grain mill, equipment for processing / production of feed and others);
2-component – to farmers – for the purchase of fodder harvesting equipment (combines and other equipment, as well as feed processing equipment), machinery for the transportation of dairy products, cooling equipment, milking equipment and others;
3-component – to service and delivery enterprises – for the organization of zootechnical and veterinary services, as well as their modernization, procurement of equipment for the production of feed and other equipment;
4-component – to dairy processing enterprises – for the purchase of technological equipment and modernization, packaging equipment, cooling equipment, machinery for the transportation of dairy products and working capital replenishment.
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4
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Minimum and maximum amount for each financed loan
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1- Component – to 10 000 US dollars
2- Component – to 100 000 US dollars
3- Component – 100 000 US dollars
4- Component – 250 000 US dollars
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5
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Loan currency
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U.S. dollar
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6
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Credit amount
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Within the undeveloped limit of the corresponding component of the credit line
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7
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Credit term
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Depending on the purpose and self-sufficiency of the project – up to 5 years
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8
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Annual interest rate on a loan
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According to the conditions of the credit line 5.5% per annum
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9
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Grace period
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Up to 1 year (based on the feasibility study of the project)
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10
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Commission bank
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Based on the conditions of the credit lines
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11
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Loan Form
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By bank transfer of funds to the supplier’s account in accordance with the terms of the supply agreement
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12
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The share of the borrower in the financing of projects
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At least 30% of the project cost
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13
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The list of countries from which equipment is purchased through credit
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Not installed
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14
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Collateral Requirements
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Liquid collateral of an eligible bank with a collateral value of at least 125% of the loan amount
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15
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What is the ratio in percentage to the adoption of collateral for purchased equipment and mechanisms
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up to 80 percent of the amount of purchased equipment and mechanisms
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16
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Acceptable (Design) Regions
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Kashkadarya and Jizzakh regions.
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17
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The list of necessary documents for obtaining a loan
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– Application for a loan;
– Accounting statements of the borrower (guarantor, guarantor) as of the last reporting date;
– Feasibility study of the project payback;
– Permits / minutes of meetings of the founders of the borrower (pledger, guarantor, guarantor) to obtain a loan or provide security;
– contract for the supply of goods purchased on credit;
– contracts / protocols of intent for the sale of products under the project;
– relevant document on the proposed loan.
* This list is not final and, based on the specifics of the project, if necessary, the bank reserves the right to request additional documents
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18
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Other
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Repayment of the loan and interest on it is carried out by the borrower once every six months – on June 1 and December 1 of each year.
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