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Anorbank

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Anor Rassrochka
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Car for business

Optimal decision for buying a car

Draw up a loan
Draw up a loan
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Conditions

Loan term - 60 months

Interest rate:
In foreign currency 13% p.a.
In local currency - 36% p.a.

The maximum loan amount is 800,000,000 UZS.

Loan conditions

Purpose of the loan

Purchase of a passenger car from the primary and secondary market by :
1.Sale of credit (currency) funds to the Bank (sumarisation) for intra-republican settlements;
2.Transfer of credit funds to the sellers' settlement accounts.

Maximum loan amount

In foreign currency - US dollar
The equivalent of not more than 800,000,000 (eight hundred million) UZS in US dollars at the exchange rate of the Central Bank of Uzbekistan as of the date of submission of the loan application.

Maximum loan amount

In national currency RUz - Sum
Not more than 800,000,000,000 (eight hundred million) UZS.

Type of loan

Without opening a credit line

Credit currency

1. In foreign currency - US Dollars

Maximum loan term

2. In the national currency of RUz - Sum

Interest rate on term debt (on the principal debt)

In foreign currency - US Dollar* In national currency of RUz - Sum
The loan is issued at 14% (fourteen) per annum.
The loan is issued at 36% (thirty six) per annum.

Interest rate on overdue debt (on the principal debt)

In foreign currency - US dollar In national currency RUz - Sum
15% (fifteen) per annum.
54% (fifty-four) per annum.

Grace period on the loan

Not provided for.

Repayment schedule of principal and interest on the loan

By differentiated or annuity payments.

Borrower's own participation in the project

In foreign currency - US Dollar In national currency RUz - Sum
Not less than 25% of the purchase price of the vehicle from the primary and secondary markets, but at the same time:
Not less than 25% of the purchase price of the vehicle from the primary and secondary markets, but at the same time:

Provisioning

1. The loan shall be secured in the form of a pledge of the motor vehicle to be purchased at the expense of the loan, according to the following criteria:
1.1 Not more than 80 per cent of the purchased value (of the loan) if the loan term is up to 12 months.
1.2 Not more than 70% of the acquired value (on the credit) in case the credit term is more than 12 months.
- The production period of the purchased motor vehicle must be not more than 5 years;
2. If the loan is issued and a new car from the primary market is pledged as collateral for the new car purchased at the expense of the loan, it is allowed to provide a loan default risk insurance contract as well as a loan default risk insurance policy in the amount of not less than 125% of the loan amount concluded for the entire loan period. After disbursement of the loan: Within 15 (fifteen) calendar days from the date of registration of the car purchased at the expense of the loan with the State Road Traffic Safety Department, conclude and submit to the Bank a pledge agreement executed in accordance with the legislation, as well as an insurance agreement confirming the insurance of the car for the entire loan period.
- For electric cars, the period of issue shall not exceed 1 year;
2. Insurance policy of loan default risk for the entire loan period in the amount of not less than 125% of the loan amount.
3. As an additional security for the loan, a guarantee of the borrower's manager and founders (shareholders and/or owners) for 125% of the loan amount must be provided.

Borrower requirements

Who can get a loan

1. Subjects of entrepreneurship are legal entities and individual entrepreneurs registered in the order established by the legislation of the RUz; 2. Availability of demand deposit account in ANOR BANK JSC. 3; 3. absence of negative credit history; 4. Availability of relevant permits and licences for the activities carried out, if the borrower's activities are subject to licensing;

Special Conditions (for a loan in USD)

The Borrower shall:

Liability for failure to comply with the "Special Conditions". (for a loan in USD)

In 3 days from the date of loan disbursement, to ensure daily cash balance on demand deposit accounts in the national currency opened with ANOR BANK JSC, the amount of not less than 50% of the loan debt balance (principal debt) serviced with ANOR BANK JSC.

Security requirements

List of documents for obtaining a loan

1. Application for a loan;
2. Minutes of the meeting of founders on obtaining a loan, provision of collateral and authorisation of the director/responsible persons to sign loan and collateral documentation (original);
3. Statement of cash flow on accounts opened with other banks for the last 12 months, information on the presence/absence of Card Library - 2, information on loan indebtedness (loans, guarantees, letters of credit, leasing and other financial liabilities), if the main/secondary deposit account of the Borrower is serviced in other banks;
4. Preliminary contract for the purchase of the vehicle;
5. Other documents as requested by the bank;
For individual entrepreneurs:
1. Application for a loan;
2. Statement of cash flow on accounts opened with other banks for the last 12 months, information on the presence/absence of Card Library - 2, information on loan indebtedness (loans, guarantees, letters of credit, leasing and other financial liabilities), if the Borrower's primary/secondary deposit account is maintained with other banks;
3. A preliminary contract for the purchase of a car;
4. Other documents at the request of the bank

Procedure for realisation of the loan product

The loan is granted in accordance with the Bank's Credit Policy, other local acts of the Bank in the field of lending, and the current legislation of the Republic of Uzbekistan.

Loan granting procedure

Mandatory loan conditions


The credit is granted after approval of the credit transaction by the relevant authorised bodies of the bank, conclusion of the credit agreement and execution of the collateral in the order and form satisfactory to the bank and in accordance with the current legislation of RUz.
The credit shall be granted by transfer of funds by the bank to the bank account of the manufacturer or the entity of legal and/or natural person after the Borrower makes prepayment according to the current terms of the credit.

Calculate the loan

When choosing a car loan from the secondary market, the loan term and down payment depend on the year of manufacture of the vehicle

“Данные условия доступны для клиентов обслуживающихся по добровольным пакетным услугам “Стимул AVTO”. Заемщик оплачивает ежемесячную плату за услугу в зависимости от выбранного пакета”

When choosing a car loan from the secondary market, the loan term and down payment depend on the year of manufacture of the vehicle

Show detailed calculation

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