Car loan "Orzu" for the secondary market

*The service is currently suspended.

A specific targeted loan to individuals over the age of 18, citizens of the Republic of Uzbekistan, for purchase of the used passenger vehicle

up to 300 millions UZS
Loan amount
from 28%
Interest rate
up to 36 months
Creadit term
25%
Down payment

Auto loan "Orzu"

For purchasing a new, unused passenger car.

Calculate your loan

Loan amount

Year of motor transport No down payment

Credit term(months)

12 24 36

Loan type All calculations are provisional and may differ from those actually received

Our offer

Monthly payment

Interest rate

No.	Conditions	Description
1	Definition of a car loan	A specific targeted loan to individuals over the age of 18, citizens of the Republic of Uzbekistan, for purchase of the used passenger vehicle
2	Persons eligible for a loan	Individuals, citizens of the Republic of Uzbekistan, over 18 years old, with a permanent income, or self-employed
3	Purpose of the loan	Purchase of the used vehicle, manufactured in the Republic of Uzbekistan
4	Loan term	Up to 36 months
5	Loan amount	Based on the cost of the car to be purchased, but no more than UZS 300.0 million
6	Main provisions of the loan	The down payment for the vehicle, to be paid by the borrower	Annual interest rate on the loan
		For vehicles up to 3 years old (Produced since 2021)
		25%	30%
		30%	29%
		35%	28%
		For vehicles up to 4-5 years old (Produced in 2019-2020)
		30%	30%
		40%	29%
		50%	28%
7	Loan collateral	A vehicle purchased under loan, and a guarantee from a third party or an insurance policy for the "risk of non-repayment of the loan"
8	Loan collateral value	The mandatory collateral value – at least 125 percent of the loan value * With this, the cost of a vehicle bought on credit is discounted against the Credit Policy
9	Loan allocation	Against the purchase and sale agreement of a passenger vehicle manufactured in the Republic of Uzbekistan, the loan is allocated by transferring the funds to the owner of the vehicle (seller's) bank account
10	Cases of loan denial	- - Negative credit history; - If the vehicle has been produced more than 5 years ago (before 2019) - No permanent income (within the last 6 months) (for persons with official income); - Overdue loan debt - If the amount of the average monthly loan and/or microloan payments exceeds 50 percent of the amount of borrower's average monthly income (for persons with official income); - The loan is denied for purchase of vehicles and electric vehicles (hybrid vehicles) not produced in the Republic of Uzbekistan.
11	Required documents	- - Passport or ID card; - Independent Appraiser's Report - Purchase and sale agreement for a passenger vehicle; - Documents confirming that the borrower transferred his/her share in the prescribed amount; - Certificate of registration as a self-employed person (for persons without official income); - As per the applicable law, the Bank has the right to request other documents.
12	Method of the loan repayment	Annuity/differential method

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