Autoloan «Changan»

No.

Indicators

Key Terms and Conditions

1

Loan Purpose

For the purchase of motor vehicles sold by “CHANGAN AUTO DISTRIBUTION” LLC on the primary market.

2

Loan Term, Down Payment Amount and Interest Rate

JSC “Aloqabank” and “KREDIT”:

Down payment amount (relative to the vehicle price)

Loan term (without grace period) and interest rate

12 months

18 months

24 months

36 months

48 months

60 months

From 25%

-

7.5%

10.9%

14.9%

16.9%

17.9%

From 30%

-

5.9%

9.9%

14.5%

16.5%

17.5%

From 40%

0.0%

2.9%

7.9%

12.5%

14.9%

16.5%

From 50%

0.0%

0.0%

4.5%

10.5%

13.5%

14.9%

From 60%

0.0%

0.0%

0.0%

6.9%

10.5%

12.9%

In the purchase and sale agreement of the vehicle purchased with the loan under these terms, the name of JSC “Aloqabank” and the mark “KREDIT” must be indicated.

JSC “Aloqabank” and “CHANGAN I”:

Down payment amount (relative to the vehicle price)

Loan term (without grace period) and interest rate

12 months

18 months

24 months

36 months

48 months

60 months

From 25%

-

1.5%

6.5%

11.9%

14.5%

15.9%

From 30%

-

0.0%

5.5%

10.9%

13.9%

15.5%

From 40%

0.0%

0.0%

1.9%

8.9%

11.9%

14.5%

From 50%

0.0%

0.0%

0.0%

5.5%

9.9%

12.5%

From 60%

0.0%

0.0%

0.0%

0.9%

5.9%

8.9%

In the purchase and sale agreement of the vehicle purchased with the loan under these terms, the name of JSC “Aloqabank” and the mark “CHANGAN I” must be indicated.

3

Loan Amount

Unlimited, but not exceeding* 75 (seventy-five) percent of the value of the collateral accepted as security.

That is, the granted loan amount must not exceed 75% of the value of the collateral provided as security. 

* Note: In accordance with the Regulation “On Macroprudential Standards for Banks and Requirements for Maximum Payment Amounts on Loans (Microloans) Issued by Them”, registered with the Ministry of Justice of the Republic of Uzbekistan on April 22, 2025 under No. 3618, the loan amount may exceed 75%, but cannot exceed 90% of the collateral value.

4

Loan Disbursement Form

By transferring funds to the settlement account of “CHANGAN AUTO DISTRIBUTION” LLC based on the purchase and sale agreement. 

5

Repayment Method

Annuity or Differentiated.

6

Loan Security

- The purchased motor vehicle;
- Insurance policy against non-repayment risk until the purchased vehicle is pledged as collateral;
- Additionally, pledge of other liquid property based on credit policy requirements 

or
- Pledge of other liquid property (in cases where pledging the purchased vehicle is not provided) is accepted.

7

Additional Condition

Under this loan product, “CHANGAN AUTO DISTRIBUTION” LLC pays commission income (cashback) based on the Mutual Cooperation Agreement.