企业客户员工小额透支贷款（工资账户关联型）
贷款条件
借款人
在乌兹别克斯坦KDB银行股份公司开立基本账户的银行法人客户所属机构员工。
贷款货币
本国货币（乌兹别克斯坦苏姆）
贷款最高限额
借款人近12个月月均工资
贷款期限
最长期限12个月
贷款发放形式
至借款人在乌兹别克斯坦KDB银行股份公司开立的银行卡
贷款利率
由银行信贷委员会决定（34%及以上）
担保
企业雇主担保，不动产，运输工具
The client or owner of collateral object (Pledgor) is entitled to apply for step-by-step collateral release proportional to repaid credit facility amount (maintaining enough coverage ratio) or replace collateral object (still keeping sufficient coverage ratio) to the Bank (Pledgee).
Review of such application by the Bank should not take more than 30 (thirty) days.
Decision on step-by-step collateral release or replace will be made by Credit Committee and the client must be informed on the decision in writing within 3 (three) business days. In case of negative decision, valid reason also should be included.
Revision of Loan Terms in Exceptional Circumstances
Pursuant to the Regulation “On Minimum Requirements for the Activities of Commercial Banks in Interacting with Consumers of Banking Services” (registered by the Ministry of Justice on 2 July 2018 under No. 3030):
The Bank may, in the prescribed manner, review the terms of existing credit agreements of consumers (clients) who are experiencing difficulties in making timely credit payments due to financial hardship, difficult life circumstances, or force majeure events. In this case, such contractual terms as extension of the loan repayment period, revision of the loan interest rate, and reduction of penalties accrued due to overdue loan payments may be reviewed.
The following circumstances shall constitute grounds for reviewing the terms of an existing credit agreement:
An application submitted by the consumer in connection with the occurrence of the above-mentioned circumstances, requesting revision of contractual terms such as extension of the loan repayment period, revision of the loan interest rate, and reduction of penalties accrued due to overdue payments, shall be reviewed by the Bank within a period not exceeding 30 days.
The application shall be accompanied by documents confirming the occurrence of the above-mentioned circumstances (death certificate, order on termination of the employment contract, medical certificate, as well as a certificate issued by an authorized state body confirming force majeure events that occurred within the territory of the Republic of Uzbekistan). Based on these documents and other data sources, the Bank’s responsible divisions shall analyze whether the consumer (client) actually has or does not have the ability to repay the loan, using this as the main criterion, and shall submit a report on the results of the analysis to the Credit Committee.
The consumer (client) shall be notified of the decision adopted by the Credit Committee within 3 (three) business days. If the application is approved, relevant amendments and supplements shall be made to the credit agreement and its appendices by mutual agreement of the parties. If the application is rejected, the consumer (client) shall be informed of the reasons for the refusal.
In addition, the issue of extending the repayment period of existing loans of women who were unable to make timely payments due to maternity and childbirth leave may be considered for up to ten months, upon their application, in accordance with the procedure specified above.
如有任何问题（包括小额贷款相关事宜），请通过电子邮件联系信贷部门。
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