About loan
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Key Terms and Conditions of the “Avto Premium” Product |
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No. |
Indicators |
Key Terms and Conditions |
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1 |
Loan Purpose |
For the purchase of motor vehicles sold by “ROODELL” LLC on the primary market. |
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2 |
Loan Term, Down Payment and Loan Interest |
JSC “Aloqabank” and “ROODELL I”: |
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Down payment amount (relative to the vehicle price) |
Loan term (without a grace period) and interest rate |
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18 months |
24 months |
36 months |
48 months |
60 months |
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From 25% |
3,0% |
8,0% |
13,5% |
16,0% |
17,6% |
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From 30% |
1,0% |
6,5% |
12,5% |
15,5% |
17,0% |
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From 40% |
0,0% |
3,5% |
10,5% |
13,7% |
15,5% |
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From 50% |
0,0% |
0,0% |
7,0% |
11,3% |
14,0% |
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From 60% |
0,0% |
0,0% |
2,5% |
7,9% |
11,0% |
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The purchase and sale agreement for the vehicle being purchased through the loan disbursed under these terms must include the name of JSC “Aloqabank” and a “ROODELL I” mark. |
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JSC “Aloqabank” and “ROODELL II”: |
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Down payment amount (relative to the vehicle price) |
Loan term (without a grace period) and interest rate |
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18 months |
24 months |
36 months |
48 months |
60 months |
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From 25% |
0,0% |
1,0% |
8,5% |
12,0% |
14,4% |
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From 30% |
0,0% |
0,0% |
7,0% |
11,0% |
13,5% |
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From 40% |
0,0% |
0,0% |
4,0% |
8,5% |
11,5% |
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From 50% |
0,0% |
0,0% |
0,0% |
5,0% |
8,5% |
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From 60% |
0,0% |
0,0% |
0,0% |
0,0% |
4,0% |
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The purchase and sale agreement for the vehicle being purchased through the loan disbursed under these terms must include the name of JSC “Aloqabank” and a “ROODELL II” mark. |
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JSC “Aloqabank” and “KREDIT”: |
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Down payment amount (relative to the vehicle price) |
Loan term (without a grace period) and interest rate |
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18 months |
24 months |
36 months |
48 months |
60 months |
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From 25% |
8,5% |
12,0% |
16,0% |
18,0% |
19,0% |
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From 30% |
7,5% |
11,5% |
15,5% |
17,5% |
19,0% |
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From 40% |
4,0% |
9,0% |
14,0% |
16,5% |
18,0% |
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From 50% |
0,0% |
5,5% |
12,0% |
15,0% |
16,5% |
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From 60% |
0,0% |
1,0% |
8,5% |
12,0% |
14,5% |
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The purchase and sale agreement for the vehicle being purchased through the loan disbursed under these terms must include the name of JSC “Aloqabank” and a “KREDIT” mark. |
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3 |
Loan Amount |
Unlimited, but not exceeding* 75 (seventy five) percent of the collateral accepted as security for loan. In other words, the granted loan amount shall not exceed 75 (seventy-five) percent of the collateral provided as security. *Note: In accordance with the Regulation “On Macroprudential Standards Applicable to Banks and Requirements for Maximum Size of Payments on Loans (Microloans) issued by Banks” registered with the Ministry of Justice of the Republic of Uzbekistan on April 22, 2025, No.3618, within the specified limit, the granted loan amount may exceed 75 (seventy-five) percent, but cannot go beyond 90 (ninety) percent of the collateral value. |
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4 |
Loan Disbursement |
Transfer of money to a bank account of “ROODELL” LLC under the sales contract. |
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5 |
Loan Repayment |
Annuity or differentiated payments |
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6 |
Loan Security |
- Purchased motor vehicle; - Non-Payment Insurance Policy until the purchased vehicle is pledged as collateral. - Pledge of additional piece of liquid property pursuant to the credit policy requirements. or - Pledge of other liquid property (in cases when the purchased vehicle is not pledged). |
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7 |
Additional Condition |
For loans disbursed within the framework of this loan product, “ROODELL” LLC shall pay a commission income (cashback) based on the Mutual Cooperation Agreement. |
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