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Car loan «CHANGAN»
Car loan for the purchase
Updated: 10-11-2025
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up to 600 000 000 sumsloan amount -
from 0%interest rate -
up to 60 monthsloan term
| Indicator | Value/Description |
| Loan Purpose | Car loan for the purchase of Deepal S07 215 MAX R19, Deepal S07 215 MAX R20, Deepal SL03 220 MAX SPORT, Deepal G318, Nevo A07 Mishlen, Avatr 06, Avatr 07, Avatr 12, Changna XK, Star truck Plus 1.6, Shenqi T30(tip ICE), Shenqi T30(tip CNG), Ruixing M60 cars manufactured by Changan on the primary market. |
| Customer segmentation | Citizens of the Republic of Uzbekistan who have reached the age of 18, are not older than 60 years old, have an official income (together with the co-borrower), and the self-employed persons. |
| Requirements for a Credit History Report | 1. No overdue debt; 2. No balances on loans pending litigation, as well as no principal or interest taken into an off-balance sheet account; 3. Scoring in the KIAC - above 200 points; 4. No existing loans classified as "unsatisfactory", "doubtful" and "hopeless". Over the past 12 months, for loans: - No more than three outstanding payments overdue for more than 60 days; - No more than one outstanding payment overdue for more than 90 days. |
| Loan amount | Up to 600,000,000.0 (six hundred million) sums |
| Loan term | up to 60 (sixty) months |
| Grace period for lending | Up to 1 (one) month |
| Lending currency | National currency (Uzbek soum) |
| Form of lending | By transferring funds to the dealer's or car dealership's account |
| Interest on overdue debt | 33% |
| Interest is accrued daily at a fixed rate and is repaid in the form of an annuity/differential according to a set schedule. | Principal and interest payments are monthly |
| Basic requirements for lending | - the customer has no overdue credit debt; - individuals with official income (joint borrowers) for six consecutive months; - a certificate of self-employment for self-employed individuals - No debt that is in the process of enforcement proceedings . |
| Maximum level of NPL | 4% (when 2.1% to 4%, strict measures will be taken to reduce it to 2%) |
| Loan collateral | - The vehicle purchased with a loan is secured by collateral, and an insurance policy is issued for the remaining amount of the collateral in case of default. The pledge amount must be at least 125% of the loan amount. - For persons affiliated with the bank, the pledge for the loan is accepted in the amount of 130%. |
List of documents required to obtain a loan
1. Application Form and a checklist explaining to the client the risks associated with taking out a loan;
2. Identity document (biometric passport/ID card or updated style of driver’s license);
3. Vehicle purchase agreement;
4. In case the borrower is married, a certificate from the Civil Registry Office and a consent statement from the other partner (spouse) (for unmarried individuals, a certificate of celibacy from the State Services Center);
5. Self-employment certificate;
6. The Bank may request additional documents if necessary.
2. Identity document (biometric passport/ID card or updated style of driver’s license);
3. Vehicle purchase agreement;
4. In case the borrower is married, a certificate from the Civil Registry Office and a consent statement from the other partner (spouse) (for unmarried individuals, a certificate of celibacy from the State Services Center);
5. Self-employment certificate;
6. The Bank may request additional documents if necessary.
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