Car loan for primary market

Car loan product for individuals

Buying a vehicle in the primary market

(The credit calculator is in the process of testing, and calculations may differ from the final repayment schedule)

Basic parameters and terms of lending
1.1. Features of consumer credit. Term loan
1.2. Name of loan product Car loan
1.3. Citizenship requirement Resident and non-resident of the Republic of Uzbekistan
1.4. Purpose of the loan product Consumer loan - for the purchase of a vehicle in the primary market
1.5. Loan currency In national currency; sum (UZS)
1.6. Loan term The maximum period without a grace period is 60 (sixty) months
1.7. Interest rates / Initial down payment / Loan term Initial Down Payment / Term / Interest Rate 1 - 12 months 13 - 24 months 25 - 36 months 37 - 48 months 49 - 60 months
Initial down payment 20% 23,0% 24,0% 25,0% 26,0% 27,0%
Initial down payment 30% 22,5% 23,0% 24,0% 25,0% 26,0%
Initial down payment (>=) 40% 21,0% 22,0% 23,0% 24,0% 25,0%
For self-employed (and without income certificate)individuals
Initial down payment (>=20%)*		 23,0% 24,0% 25,0% 26,0% 27,0%
  • An individual borrower without an official income refers to individuals who do not have a regular monthly salary (this category involves self-employed individuals).
  • For self-employed (and without income certificate) individuals, the initial contribution must be at least 20%.
  • Individuals without official income must have regular inflows to their bank accounts for the last 6 (six) months.
  • If sufficient collateral other than the purchased vehicle is provided, an initial down payment is not required.
1.8. Requirements for consideration of the loan application submitted by the borrower and decision making on this application Up to 5 (five) working days (with the submission of a complete set of documents)
1.9. Maximum loan amount 1.000.000.000,00 (one billion) UZS
1.10. Necessary documents
  • Original documents verifying the identity of the borrower and co-borrower (passport, ID card, residence certificate, etc.);
  • Purchase and sale agreement for the vehicle;
  • Document confirming the borrower’s income (salary and equivalent income, pension, rental income, and other official income);
  • Bank account statement of the borrower without official income.Original documents proving the identity of the borrower and co-borrower (passport, identity card, residence permit, etc.);
  • Documents on collateral for loan repayment
1.11 Type of provision (collateral)
  • Purchased and/or other vehicle, real estate, third party guaranty, loan non-return risk insurance policy at a value not less than 115% of the loan amount;
  • Collateral for a loan issued to persons associated with the bank is accepted in accordance with the procedure established by the legislation of the Republic of Uzbekistan.
1.12 Requirements for the borrower
  • From 21 to 60 years of age during the loan repayment period.
  • No negative credit history;
  • Absence of overdue debts in banks and/or credit institutions;
  • Based on the average monthly income of the borrower, no more than 50% should ensure the repayment of principal and interest payments on the loan and other current liabilities.
  • Individuals who do not have official income provide information about their income sufficient for the loan payment
1.13 Requirements for the co-borrower
  • Age from 21 to 60 years at the period of loan repayment;
  • No negative credit history;
  • Absence of overdues (debts) in banks and/or credit institutions;
  • 50% of the combined average net income of the borrower and co-borrower must be sufficient to cover the highest monthly loan repayment and the average monthly payment for all existing loans and other liabilities.
1.14 Credit allocation form Non-cash transfer of funds to the seller's account based on the sales contract
1.15 Validity of the loan decision 30 (thirty) days.
1.16 Periodicity of interim repayment payments Monthly.
1.17 Type of repayment payments Annuity or differentiated payment (with monthly distribution of debt body into equal parts).

0,00 UZS
11/12/2025