Autoloan - "minibus" and "micro-truck"

No.

Indicators

Key Terms and Conditions

1

Loan Purpose

For the purchase of M2 category motor vehicles intended for passenger transport and N1 category motor vehicles intended for freight transport on the primary market.

Also, for the purchase of M1 category motor vehicles intended for passenger transport, produced/assembled by local manufacturers, or BYD vehicles sold by official distributors/dealers in Uzbekistan, as well as vehicles sold by "Roodell" LLC on the primary market.

Note: Category M1 – motor vehicles used for the carriage of passengers and comprising no more than 8 seats in addition to the driver's seat.
Category M2 – motor vehicles used for the carriage of passengers, comprising more than 8 seats in addition to the driver's seat, and having a maximum mass not exceeding 5 tons.
Category N1 – motor vehicles intended for the carriage of goods and having a maximum mass not exceeding 3.5 tons.

2

Loan Term, Down Payment and Loan Interest

Term 

Grace period for principal repayment

Down payment amount

Loan interest rate

To individuals with a source of income

For a term not exceeding 60 months

up to 3 months

At least 15%

25,5% 

per annum

At least 25%

24,5%
per annum

At least 40%

24% 

per annum

In cases where the borrower does not have a source of income

For a term not exceeding 60 months

up to 3 months

At least 25%

25% 

per annum

3

Loan Amount

In an amount not exceeding 300 (three hundred) million UZS, but not exceeding75 (seventy five) percent of the collateral accepted as security for loan*. 

* 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.

4

Loan Disbursement

Payment by bank transfer pursuant to the contract concluded with motor vehicle manufacturing enterprises, their official dealers, or supplier organizations.

5

Loan Repayment

Annuity or differentiated payments

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).

7

Additional Condition

The borrower must be registered as a self-employed individual.