Updated: 06-08-2025
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up to 1 000 000 000 sumsloan amount -
from 0 %interest rate -
up to 60 monthsloan term
| Indicator | Value/Description |
| Loan Purpose | Car loan for the purchase of Chevrolet - Onix, Tracker, Damas cars manufactured by UzautoMotors on the primary market. |
| Customer segmentation | All types of legal entities and individual entrepreneurs |
| Requirements for a Credit History Report | 1. No overdue debt; 2. Good Credit History ( Scoring in the KIAC - above 200 points); 3. No outstanding loans overdue for more than 90 days in the last six months; 4. No existing loans classified as "unsatisfactory", "doubtful" and "hopeless". |
| Loan amount | up to 1,000,000,000 (one billion) soums |
| Loan term | up to 60 (sixty) months |
| Grace period for lending | up to 3 (three) months |
| Lending currency | National currency (Uzbek soum) |
| Interest accrual | In the form of annuity/differential |
| Repayment Period of principal and interest | Principal and interest payments are monthly |
Basic requirements for lending | - A primary or secondary account in the JSC Garant Bank system; - The Financial Performance Report (Form No. 2) shall not end with a loss for the last reporting period (annual or quarterly) (except for individual entrepreneurs, and newly (up to six months) established legal entities); - A net working capital shall not be negative (not required for individual entrepreneurs and newly (six months) established legal entities); - Good standing on card index file No. 2; - No debt that is in the process of enforcement proceedings. |
| Loan collateral | 1. Deposit facilities; 2. Real estate; 3. Vehicles manufactured no more than 5 years ago; 4. The vehicle purchased with a loan is secured by a pledge, and an insurance policy against the risk of non-repayment of the loan is issued for the remaining part of the pledge. In this case, the insurance policy is issued in case of risk of loan non-repayment until the car transfer to the supplier and its subsequent notarial certification. The pledge amount must be at least 125% of the loan amount. - Vehicles purchased on credit are accepted as collateral in an amount not exceeding 80% of the prime market cost. - For persons affiliated with the bank, the pledge for the loan is accepted in the amount of 130%. |
List of documents required to obtain a loan
1. Application Form;
2. Constituent documents of the borrowing company (certificate, charter, administrative order of the director and passport copies of the founders, director, accountant (if any);
3. Consent of the founders of the borrowing company to receive a loan, drawn up in accordance with the procedure established by acting legislation (except for individual entrepreneurs and private enterprises);
4. Balance sheet and financial performance report of the borrowing company (submitted electronically to the relevant body of the State Tax Service) for the last reporting period (annual or quarterly) (except for individual entrepreneurs and newly (six months) established legal entities);
5. A copy of the vehicle sale and purchase contract.
2. Constituent documents of the borrowing company (certificate, charter, administrative order of the director and passport copies of the founders, director, accountant (if any);
3. Consent of the founders of the borrowing company to receive a loan, drawn up in accordance with the procedure established by acting legislation (except for individual entrepreneurs and private enterprises);
4. Balance sheet and financial performance report of the borrowing company (submitted electronically to the relevant body of the State Tax Service) for the last reporting period (annual or quarterly) (except for individual entrepreneurs and newly (six months) established legal entities);
5. A copy of the vehicle sale and purchase contract.
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