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Car loan «UzAuto - Cobalt»

Consumer loan for the purchase of a new passenger car model "Cobalt" produced by JSC "UzAuto Motors".

  • 30%
    Interest rate
  • up to 60 months
    Credit term
  • No more than 85% of the value of the car
    Loan amount
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CAR LOAN «UzAuto - Cobalt»  – for the purchase of a new passenger car model "Cobalt" produced by JSC "UzAuto Motors", as well as for the payment of insurance premiums required to process the car loan.  

The loan is provided to individuals with a positive credit history, aged 25 or older at the time of applying for the loan, who have an official income and at least 6 (six) months of continuous work experience at their current place of employment. 

The loan amount can be up to 85% of the price of the vehicle being purchased. The loan funds may be disbursed in two tranches: the first tranche up to 50% of the vehicle's price, and the second tranche up to 35%, depending on the client's application. 

Additionally, the amount exceeding 15% of the vehicle's price can be paid by the client within 6 months or until the vehicle is delivered, either through monthly deposits into a bank account opened in the client's name or as a lump sum payment to the supplier's bank account. 

This car loan is provided to borrowers under the following conditions.

Loan terms and interest rates:

Amount of funds paid by the client (In relation to the price specified in the vehicle delivery contract ) Loan period Grace period Interest rate
 from 15 % up to 60 months up to 6 months   30.00 % p.a.

This loan is not allocated to self-employed persons.

Loan funds will be allocated to the account of "UzAuto Motors" JSC by means of transfer in tranches.

Payment of the loan and accrued interest is carried out by the method of differential payment in accordance with the procedure and conditions specified in the loan agreement.

The separate net income of the borrower/Co-borrower should not be less than 6 times of BHM.

60% of the total average net income of the Borrower and the Joint Borrower must be sufficient to cover the highest monthly loan payment and the average monthly payment amount for existing loans/debts. This indicator will be set to 50 percent from January 1, 2025.

As collateral for the loan, the Bank accepts:
·         The main offer is a purchased Сar;
·         The purchased car is accepted as collateral in the amount of no more than 70% of the amount of the vehicle;
·         Temporary collateral for loan obligations (until the signing of the main collateral agreement by a notary or the bank itself) - an insurance policy of an insurance company against the risk of non-repayment of the loan and interest.
·         Additional collateral – an insurance policy of an insurance company against the risk of non-repayment of the loan and interest (for the missing part of the loan collateral).

To obtain a Loan, the Bank shall be provided with the following documents:

1. Identification document (passport, identity card, residence permit, etc.);

2. Car purchase and sale agreement;

3. Documents ensuring loan repayment;

4. In cases where the client is married - a statement from the spouse about consent to provide collateral for a car purchased with bank loan funds; if the client is not married - a document confirming the absence of marriage is provided.

Income information must be continuous for at least 6 (six) months at the last place of work. If it is not possible to determine the Borrower's average monthly income, documents confirming average monthly income and other sources of income may be required from the Borrower.





General terms

Interest rate
30%
Loan amount
No more than 85% of the value of the car
Loan target
Buying a Cobalt car
Frequency of payments
Monthly
Repayment method
Differentiated
Credit term
up to 60 months
Loan processing method
bank branch
Grace period
Yes
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We are happy to help you

Our consultants will help you solve any issue. Just give us a call or request a call back.

If you have questions about deposits, our consultants will answer them.
(+998 71) 231-60-00
Single Call Center
Work schedule: 24/7

The Alliance mobile application is equipped with interactive services and a calculator.

An online chat with the Bank's Support Service is also available.

FAQ

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