aab.uz
General terms
Loan target
Purchase of KIA and CHERY and others cars produced in the Republic of Uzbekistan and sold through the network of authorized dealers in the domestic market
Loan currency
Sum
Loan amount
No more than 75% of the value of the car
Initial payment
From 25% of the value of the car
Interest rate
from 0% to 22% per annum
Credit term
up to 60 months
Loan processing method
Bank branch
Form of issue
Non-cash
Collateral
- The loan amount for the purchased motor vehicle is accepted as collateral at a value of at least 133.3 percent. - Additional collateral is not required until the collateral pledge agreement is notarized or independently executed by the bank.
Grace period
no
Repayment method
Differentiated, Annuity
Frequency of payments
Monthly
Borrower requirements
A natural person who is a resident of the Republic of Uzbekistan, age from 18 years
Loan Provision Order
The funds paid by the client and the car loan funds are transferred to the account of ROODELL LLC
Required Documents
A) Identity document (passport, ID card, residence permit, etc.);
B) Contract for the purchase and sale of a motor vehicle;
B) Self-employment certificate (when allocating loans to self-employed persons);
D) The client's spouse's statement of consent to provide the motor vehicle being purchased through the loan as collateral. In the absence of the spouse, a document confirming the absence of marriage on the day the client submits the loan application.
B) Contract for the purchase and sale of a motor vehicle;
B) Self-employment certificate (when allocating loans to self-employed persons);
D) The client's spouse's statement of consent to provide the motor vehicle being purchased through the loan as collateral. In the absence of the spouse, a document confirming the absence of marriage on the day the client submits the loan application.
Loan Service Fee
None
Additional Conditions
- The debt burden indicator of the Borrower/Co-borrower must not exceed 50%;
- Debt-to-income ratio must not exceed 8 times;
- Absence of current debt from the BPI;
- The credit history for the last 3 years obtained from credit bureaus must be positive. In this case: 30 + up to 10 is permitted;
up to 60 + 5 is permitted. For individuals with permanent official income, up to 90+1 is permitted.
- Debt-to-income ratio must not exceed 8 times;
- Absence of current debt from the BPI;
- The credit history for the last 3 years obtained from credit bureaus must be positive. In this case: 30 + up to 10 is permitted;
up to 60 + 5 is permitted. For individuals with permanent official income, up to 90+1 is permitted.
Early repayment
It may be carried out at any time, in full or in part, depending on the client’s preferences
Loan terms and interest rates
|
The amount of the initial payment (Regarding the price specified in the vehicle supply contract) |
Loan period / Interest rate | |||||
| 12 month | 18 month | 24 month | 36 month | 48 month | 60 month | |
| From 25% | 1,50% | 11,00% | 14,50% | 18,50% | 20,50% | 22,00% |
| From 30% | 0,00% | 9,50% | 14,00% | 18,00% | 20,00% | 21,50% |
| From 40% | 0,00% | 6,50% | 11,00% | 16,00% | 18,50% | 20,00% |
| From 50% | 0,00% | 2,00% | 7,50% | 13,50% | 16,50% | 18,50% |
| From 60% | 0,00% | 0,00% | 2,00% | 9,50% | 13,50% | 16,00% |
| From 70% | 0,00% | 0,00% | 0,00% | 3,00% | 8,00% | 11,00% |
Terms and Conditions
The client's expenses related to the loan include only the costs of insurance and registration of collateral for vehicles purchased at the loan expense. The issuance and maintenance of loans for the purchase of road transport is not subject to any additional payments.
Required documents for obtaining a loan:
- Application for the Loan.
- Certificate of employment or other document confirming the amount of income for the last 12 months.
- Contract of delivery of the car.
- Identity document (passport, residence permit, etc.)
- Documents to secure the loan.
The Bank reserves the right to request additional documents for the most complete analysis of the borrower's solvency.
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If you have questions about deposits, our consultants will answer them.
Contact center
Work schedule: 24/7
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