About refinancing mortgage loans

GSR - General Refinancing Agreement

PFI - Participating Financial Institution

Working Procedure

1

Signing the GSR (General Refinancing Agreement)

Qualification Requirements for the FSI to Sign the GSR

Documents required for concluding the GSR

2

Submitting an application for a loan

Documents submitted with the application for a loan

3

Analysis of the provided mortgage loan portfolio

PFI provides a portfolio of mortgage loans for review by UzMRC based on the standards for the acceptability of mortgage loans, in the format required by UzMRC

Availability of a screening procedure for the environmental and social management system

4

Signing a loan agreement

Conditions preceding the conclusion of the issuance of funds

5

Issuance of a loan

Conditions preceding the issuance of funds

Actions after the issuance of funds (loan)

Purpose of the refinancing loan

Purpose of the loan

Payment of payments (according to the repayment schedule)

The process of repaying loan payments

Submission of periodic reports

PFI submits quarterly reports

Replacement of unacceptable loans

Collateral Replacement Process (Loans)

Overcollateralization

Maintaining Overcollateralization

Notice of Replenishment of Eligible Mortgage Portfolio

Replenishment Process of Eligible Mortgage Portfolio

Annual Monitoring / On-Demand Monitoring

Annual Monitoring Concept

New Refinancing Loan When Previous Loan Maturities

Steps to Get a New Refinancing Loan When Previous Loan Maturities