Auto loan for individuals with a stable income “Start”
A specific targeted loan to individuals over the age of 18, citizens of the Republic of Uzbekistan, for purchase of a brand-new passenger vehicle
Updated: 03-10-2024
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up to 300 millions UZSLoan amount -
from 26 %interest rate -
up to 48 monthsCredit term -
25%down payment
Auto loan "Start"
Targeted loan for individuals over 18 years of age who are citizens of the Republic of Uzbekistan for the purchase of a previously unused passenger car.
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| 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 a brand-new 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 a brand-new passenger vehicle | ||
| 4 | Loan term | Up to 48 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 | Loan term | The down payment for the vehicle, to be paid by the borrower | Annual interest rate on the loan |
| Up to 48 months | 25% | 28% | ||
| 35% | 27% | |||
| 45% | 26% | |||
| 7 | Loan collateral | A vehicle purchased under the loan, and a guarantee from a third party or an insurance policy for the "risk of non-repayment of the loan" A guarantee from a third party shall be provided for a loan without a down payment | ||
| 8 | Loan collateral value | The mandatory collateral value – at least 125 percent of the loan value * With this, 75% of the cost of a vehicle bought on loan (electric vehicles up to 50%) can be accepted as collateral for a loan | ||
| 9 | Выделение кредита | Against the purchase and sale agreement of a passenger vehicle produced in the Republic of Uzbekistan and abroad, the loan is allocated by transferring the funds to the seller's bank account | ||
| 10 | Cases of loan denial | - Negative credit history; - No permanent income (within last 6 months); - Overdue loan debt (for persons with official income); - 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 used cars | ||
| 11 | Required documents | - Passport or ID card; - 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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