Car loan «Komfort Changan 2»

up to 1 000 000 000 soums
loan amount
from 0,0%
interest rate
up to 60 months
loan term

Indicator	Value / Description
Purpose of the Loan	Auto loan for the purchase of Changan vehicles (models CS55 PLUS, UNI-K, UNI-T, UNI-V, and others) on the primary market.
Customer Segmentation	Legal entities and individual entrepreneurs.
Credit History Requirements	1. No overdue debts; 2. Good credit history, with a credit score exceeding 200 points according to the Credit Information Analytical Center (KIAC) of the Central Bank of Uzbekistan; 3. No credit arrears exceeding 90 days within the last 6 months; 4. No active loans classified as “unsatisfactory,” “doubtful,” or “hopeless.”
Loan Amount	Up to UZS 1,000,000,000 (one billion soums).
Loan Term	Up to 60 (sixty) months.
Grace Period	Up to 3 (three) months.
Loan Currency	National currency (Uzbek soum).
Form of Disbursement	Funds are transferred directly to the dealer’s or seller’s account.

Interest on Overdue Payments	33%
Interest Accrual	Interest is accrued daily at a fixed rate and repaid through annuity or differential payments in accordance with the approved schedule.
Principal and Interest Payment Period	Principal and interest are repaid monthly.
Main Client Eligibility Requirements	- The borrower must have a primary or secondary account with JSC “Garant bank”; - The borrower’s Statement of Financial Results (Form No. 2) must not show a loss for the latest reporting period (annual or quarterly), except for individual entrepreneurs and newly established (less than 6 months) legal entities; - - The borrower’s own working capital must not be negative (except for individual entrepreneurs and newly established legal entities within 6 months); - - No outstanding payments recorded under “Register No. 2” (overdue payments queue); - - No outstanding debt under enforcement proceedings initiated by the Bureau of Compulsory Enforcement.
Collateral Requirements	1. Deposit funds; 2. Real estate; 3. Vehicles not older than five years; 4. The vehicle purchased with loan funds shall serve as collateral, and an insurance policy covering the risk of loan default shall be issued for any shortfall in collateral value. In this case, a temporary insurance policy against loan default shall be arranged until the delivery of the vehicle by the supplier and notarization of ownership documents. The total collateral value shall be at least 125% of the loan amount. - For related parties (affiliated with the Bank), the collateral coverage shall be at least 130%.