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Car loan «LIXIANG»
Auto loan for the purchase of Lixiang vehicles manufactured by Li Auto in the primary market.
Updated: 27-04-2026
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up to 600 000 000 uzbek soumsloan amount -
from 0,0%interest rate -
up to 60 monthsloan term
| Indicator | Value / Description |
| Loan Purpose | Auto loan for the purchase of Lixiang vehicles manufactured by Li Auto in the primary market. |
| Customer Segment | Citizens of the Republic of Uzbekistan aged 18 and above, having an official income (including jointly with a co-borrower), as well as self-employed individuals. |
| Requirements for credit history | 1. Absence of current overdue loan задолженности; 2. Absence of loan debt under litigation, as well as principal and interest transferred to off-balance sheet accounts; 3. KATM credit score not lower than 200; 4. Absence of active loans classified as “substandard,” “doubtful,” or “loss”; 5. For loans over the past 12 months: • the number of delinquencies exceeding 60 days — no more than 2; • the number of delinquencies exceeding 90 days — no more than 1. |
| Loan amount | Up to 600,000,000 (six hundred million) Uzbek soums |
| Loan term | Up to 60 (sixty) months. |
| Grace period | Up to 3 (three) months. |
| Loan currency | National currency (Uzbek soum). |
| Form of loan disbursement | By transferring funds to the account of the dealer, seller, or car showroom. |
| Interest on overdue debt | 35% per annum. |
| Interest calculation / Interest accrual | Interest is calculated daily at a fixed rate and is determined under an annuity or differentiated repayment scheme in accordance with the established schedule. |
| Repayment period of principal and interest | Repayment of principal and interest — on a monthly basis; |
| Key requirements for the client when granting a loan | - As of the loan disbursement date, the client must not have any overdue credit debt; - Individuals with official income (including co-borrowers) must have a continuous income for at least 6 months; - For self-employed individuals — a certificate of self-employment is required; - As of the loan disbursement date, the client must not have any outstanding debts under enforcement proceedings initiated by the Bureau of Compulsory Enforcement. |
| Product Collateral | - The collateral consists of the motor vehicle purchased with credit funds, and for the insufficient portion of the collateral, a credit default insurance policy is arranged. The total amount of collateral must comply with the requirements established in the Bank’s credit policy. - For related parties of the Bank, the loan collateral must be provided in the amount defined by the credit policy. - Prior to the delivery of the vehicle by the supplier and its proper registration, a temporary credit default insurance policy is issued. |
List of documents required to obtain the loan product:
1. Application and confirmation that the client has been informed about credit risks (Check-list);
2. Identity document (biometric passport / ID card or new-generation driver’s license);
3. Vehicle purchase and sale agreement;
4. If married — certificate from the Civil Registry Office (ZAGS) and consent statement (for unmarried individuals — certificate of single status issued by the Public Services Center);
5. Self-employment certificate;
6. If necessary, the bank reserves the right to request additional documents.
2. Identity document (biometric passport / ID card or new-generation driver’s license);
3. Vehicle purchase and sale agreement;
4. If married — certificate from the Civil Registry Office (ZAGS) and consent statement (for unmarried individuals — certificate of single status issued by the Public Services Center);
5. Self-employment certificate;
6. If necessary, the bank reserves the right to request additional documents.