Updated: 08-11-2025

Car loan «Changan ADM»

Indicator	Value / Description
Purpose of the Loan	Auto loan for the purchase of new Changan vehicles (models CS55 PLUS, UNI-K, UNI-T, UNI-V, and others) on the primary market.
Customer Segmentation	Citizens of the Republic of Uzbekistan aged 18 to 60 with official income (including joint borrowers), as well as self-employed individuals.
Requirements for a Good Credit History	1. No overdue debt; 2. No outstanding credit balances under litigation or transferred to off-balance accounts, including principal and interest; 3. Good credit history, with a credit score exceeding 200 points according to the Credit Information Analytical Center (KIAC) of the Central Bank of Uzbekistan; 4. No active loans classified as “unsatisfactory,” “doubtful,” or “hopeless.” For loans within the past 12 months: - - No more than three instances of overdue payments exceeding 60 days; - - No more than one instance of overdue payments exceeding 90 days.
Loan Amount	Up to UZS 500,000,000 (five hundred million soums).
Loan Term	Up to 60 (sixty) months.
Grace Period	Up to 1 (one) month.
Loan Currency	National currency (Uzbek soum).
Form of Disbursement	Funds are transferred directly to the dealer’s or seller’s account.

Interest Accrual	Interest is accrued daily at a fixed rate and repaid through annuity or differential payments in accordance with the approved schedule.
Principal and Interest Payment Period	Principal and interest are repaid monthly.
Main Client Eligibility Requirements	- - No overdue loan obligations; - - Official income (including joint borrowers) for at least six consecutive months; - - Proof of self-employment for self-employed individuals; - - No outstanding debt under enforcement proceedings initiated by the Bureau of Compulsory Enforcement.
Maximum Level of Non-Performing Loans for this Product	4% (if the rate ranges from 2.1% to 4%, strict measures shall be taken to reduce it to 2%).
Collateral Requirements	- The purchased vehicle shall serve as collateral for the loan, and for any shortfall in collateral value, an insurance policy covering credit default risk shall be obtained. The total collateral value shall be at least 125% of the loan amount. - For related parties (affiliated with the Bank), the collateral coverage shall be at least 130%.