Car loans for all

Картинки по запросу car loanSince June 2017, citizens of Uzbekistan can purchase cars of domestic production on credit. This publication presents the conditions for car loans from Joint-Stock Commercial Bank “Asaka” and Joint-Stock Commercial “Aloqabank”.

. Requirements of banks for obtaining a car loan

The list of documents for processing a loan in both banks is identical, this is:

    The original passport and its photocopy;
    
certificate of residence;
    
A certificate from the employer about incomes for the last 12 months (indicating the borrower’s position, name and employer’s TIN);
    
Copy of INN and INPS of the borrower, code of the holder’s bank INPS;
    
Contract with the car dealership.

The term of consideration of documents in JSCB “Asaka” is 5 working days, in Aloqabank – up to 5 working days.

 Conditions from JSCB “Asaka”

The term of car loans for individuals in this bank is 3 years. The interest rate depends on the amount of the down payment, which the borrower provides as an advance payment. In the event that the borrower is paid:

    Up to 35% of the cost of the car – a rate of 18% per annum;
    
Up to 45% of the cost – 17% per annum;
    
Above 45% of the cost of the machine – 16% per annum;
    
Without prepayment – 23% per annum.

Payment under the loan provides a 3-month grace period, when the borrower pays only interest and does not pay the principal.

A preferential category of citizens for whom other credit conditions are provided are young families where the age of both spouses does not exceed 30 years. For them, a loan for the purchase of a domestic car is provided at 9% per annum with a mandatory condition of an advance payment of at least 25% of its value. The loan period for young families is also 3 years with a three-month grace period for the payment of principal. More information about who can be considered a member of a young family, read the link.

At the conclusion of the car loan agreement, Asaka Bank charges a one-time payment for the loan registration service in the amount of 0.5 MWR. The principal amount is paid in equal installments throughout the crediting period from the next month after the end of the grace period. Monthly interest is calculated from the balance of the main debt.

For late payment of monthly payments for each day of delay, a fine is charged – 0.1% of the principal amount + 1/3 of the amount of interest for the past period.

In the contract with the car dealership, the cost of the purchased car is indicated in US dollars, the corresponding amount is indicated in the loan agreement with the bank. The initial payment, as well as subsequent monthly payments, are made in national currency at the rate of the Central Bank on the day of payment.

After the borrower receives the car from the car dealership, insurance must be issued and provided to the bank for 3 years within 5 days. From this moment the car becomes a pledge property, a ban is imposed on its sale, donation, exchange until the loan is paid in full. All expenses related to insurance and notarization of the pledge are borne by the borrower.

 Conditions of Aloqabank

Term of car loans for individuals in this bank is 4 years. The interest rate also depends on the amount of the down payment:

    Up to 30% of the cost of the car – a rate of 16% per annum;
    
Up to 40% of the cost – 15% per annum;
    
Above 50% of the cost of the machine – 14% per annum.

The option of buying a car on credit without prepayment is not provided for in this bank. As well as there are no stipulated grace period of repayment and preferential interest rates for members of young families.

The transfer of funds under the contract of the borrower with the car dealership, as Alokabank assured us, may well be within 5 days from the moment of applying for a loan.

When concluding a car loan agreement with Aloqabank, a one-time payment for a loan processing service in the amount of 0.05% of the loan amount is also charged.

The principal amount is paid in equal installments during the entire crediting period from the first month after the date of the contract conclusion. Monthly interest is calculated from the balance of the main debt.

For late payment of monthly payments, a penalty is also charged. Requirements for car insurance and its registration as collateral are the same in both banks.

The requirements of car dealerships

As they explained to us, until now, car dealers gave buyers only one type of contract, not providing for the purchase of a car on credit. To date, work has also started on car loans, which is agreed with both the manufacturer and its dealers. Between the car dealership and the buyer is a bilateral agreement, which must be submitted to the bank.

According to the terms of the two capital motor shows “Rohat” and “Driver’s Village”, where we applied for a consultation, full payment under the contract should be made within 5 working days from the date of issue of the contract for the purchase of the car.

Delivery of a car purchased on credit is carried out on general terms – within 60 working days, if the selected car is not available from the dealer.

Loan payments start from the moment the loan agreement is entered into, and not from the moment the car is delivered. The timing of its delivery does not depend on the bank that issued the loan.

Recall that the company “GM Uzbekistan” earlier this month announced on its website an electronic service for customers, allowing to track the status of an application for the purchase of a car and current prices.

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27 Replies to “Car loans for all”

  1. Олдиндан туловсиз матиз автомашинаси берасизларми иш жойим аник яшаш жойим аник олдиндан туловга етказа олмаяпман каерга ва кимга мурожат килишим керак

  2. Ассалому алайкум!
    Сизда мактаб ўқитувчиларга Асака банкдан имтиёзли равишда машинага автокредит бериш имконияти мавжудми?
    Агар унинг иложи бўлса нархлари ва фоизлари бўйича маълумот берсангиз. Илтимос, ойига қанчадан тушишини ҳам келтирсангиз. Бошланғич тўловини ҳам айтиб ўтинг…

    Ёрдамингиз учун олдиндан миннадорчилик билдираман…

    • Ассалому алейкум, ҳурматли Сирожиддин Джиянбаев, автокредит бериш масаласи Асака банк томонидан мустақил белгиланади. Уларнинг кредит сиёсатига мувофиқ айнан кимлар автокредит олиши кўрсатилади. Бироқ, ҳар қандай ҳолатда ҳам автокредит доимий даромад манбаига эга бўлган 18 ёшга тўлган фуқароларга берилиши белгиланади. Шундай экан мактаб ўқувчиларига автокредит берилиши жуда қийин, берилмаслиги эҳтимоли юқори.

  3. мен еш оиламан. агар КОБАЛЬТ олиш учун 30% туловини килсам яна канча тулашим керак булади. шуларни хаммасини батавсил ёзиб беринг. банкнинг комисияси хам эсдан чикмасин. РАХМАТ

    • Bu banklarni belgilagan foiz stavkasi va boshlang’ich badalni kreditni so’ndirishga yo’naltirish holati bilan bog’liq. Masalan 100 mln. so’mlik avtomobilni olmoqchisiz. 30 mln oldindan to’lasangiz va bank shu 30 mln. so’mni kreditni so’ndirishga yo’naltirsa Siz 70 mln. so’m uchun foiz to’laysiz. Agar bank 30 mln. so’mni kreditni so’ndirish uchun faqat oxirida yo’naltirsa u holda Sizdan 100 mln. so’mga foiz hisoblaydi. Foiz hisoblash tartibi formula asosida bo’ladi. Bunda kunlik ((kredit qoldig’i * foiz stavkasi/100)/365) formulasi asosida hisoblanadi. Kredit muddatiga qarab asosiy qarzni to’lash uchun umumiy summa teng miqdorda oylarga bo’linadi. Masalan 3 yilga bo’lsa, 70 mln so’m / 36 oy = 1 944 444 so’m bo’lsa u holda tahminan dastlabki 35 oy uchun 1 950 000 so’mdan to’lanadi va 36 oy 1 750 000 so’m uziladi. Foiz esa yuqoridagi formulaga qarab hisoblanadi. Masalan birinchi oy uchun (70 mln * 0.026)/365*31 = 154 575 so’m foiz to’lovi chiqadi. Jami qarz 1950 + 154,5 = 2 mln 104 ming 575 so’m bo’ladi. Keyingi oydan boshlab asosiy qarz to’langanligi uchun foiz to’lovi ham kamayib boraveradi. 3 yil davomida o’rtacha 2 mln so’m atrofida pul to’lanadi. Agar bankda bir martalik komissiya mavjud bo’lsa, unda uning miqdoriga qarab dastlab yana xarajat qilinadi (Asosan bu xarajat 1 mln.dan oshmaydi).

  4. Assalomu Alaykum. 23 % li kriditga boshlang’ich to’lo’v yo’mi. Shuni chuntirib bersela.

  5. Assalomu alaykum. Men maktab o’qituvchisiman 2 500 000 dan ortiqroq nachislena yoziladi. kredit to’lagan paytlarim hech qanday soliqlarsiz shu summa kredit to’lash uchun o’tqizaman boshlang’ich to’lov uchun ham yetarlicha pulim bor men avtokredit olishga haqqim bormi?

    • Avtokredit olishingiz mumkin. Lekin avtokreditda berilayotgan kredit miqodori, vaqti va foiziga qarab oyma-oy to’lanadigan pulni qoplash uchun oyligingizni deyarli yarmi yetishi kerak. Shunda Sizga kredit berilishi ehtimoli oshadi, qolgan holatlarda oyligi kattaroq kafilni ko’rsatishingiz kerak.

  6. Иккиламчи бозордан автокредит эвазига автомашина сотиб олиш тартибини батафсил тушунтиринг илтимос

    • Иккиламчи бозордан автокредит олишда, сотувчи юридик ёки жисмоний шахс билан олди-сотди шартномаси банк билан биргаликда тузилади. Банк сотилаётган автомобиль пулини сотаётган одамнинг пластик ҳисобварағига ёки юридик шахс ҳисобварағига ўтказиб берилади. Автомобиль кредит муддатига суғурта қилинади ва нотариус томонидан кредит сўндирилмагунча автомобильни сотишга таъқиқ қўйилади. Шунингдек нотариусда банк томонидан бериладиган кредит сўндирилмагунга қадар автомобильга эгалик қилиш ҳуқуқи банкда ҳам бўлади.
      Автокредит расмийлаштириш учун иш ҳақингиз тўғрисидаги справка, паспорт, ИНН, ИНПС, яшаш жойидан маълумотнома, кафилнинг ҳужжатлари тақдим этилади.

  7. Асака банкда юридик шахсга нисбатан қандай турдаги автокредитлар мавжудлиги ҳақида кимдан маълумот олиш мумкин. Шу билан бирга, мисол тариқасида Нексия-3 автомашинасини 2-европозициясини (81 млн) 25% олдиндан тўланган тақдирда колькуляцияси қандай ҳисобланиши тўғрисида маълумот берсангиз илтимос.

    • Банк сайтида кредит калькулятори бор, шундан фойдаланишингиз мумкин. Шунингдек Асака банк расмий сайтида телефон рақамлари берилган уларга қўнғироқ қилиб айни вақтдаги автокредит фоиз ставкаларини билишингиз мумкин.

  8. ассалому алайкум мен Турсунов Сардор тошкент шахрида тураман авто кредит масаласи бойича асака банкга мурожат килдим лекин банк ходимлари автокредит берилмаяпти дейишяпти лекин ТV ва интернетларда автокредит бериляпти деб ёзишяпти кимга мурожаат килиш керак , рахмат олдиндан

    • Ушбу ҳолат бўйича аввал расман банкка хат билан мурожаат қилинг, автокредит олиш учун ариза берган ҳолда, расмий жавоб хатида мавжуд эмас деб ёзишса кейин Марказий банк ишонч телефонига ёки қабулхонасига мурожаат қилишингиз мумкин.

  9. Assalomu-alaykum . Men o’qtuvchi bo’lib ishlayman . Oilada 3 kishi ishlaymiz . Oylik o’rtacha daromatimiz 4 000000 so’m .
    Agar o’zimning ish xaqqim qo’lga tegishi 1 500000 so’m bo’lsa , oila azolarim kaffiligi bilan avtomashina narxining 25% to’lovi bilan avtokridit olsam bo’ladimi . Oldindan rahmat .

  10. Assalomu-alaykum . Men o’qituvchi bo’lib ishlayman . Oilada 3 kishi ishlaymiz . Oylik daromatimiz 4 000000 so’m . avtokridit olsam bo;ladimi .

    • Avtokredit olish uchun olinayotgan avtomobil qiymatidan kelib chiqib oylik daromadingizni yarmisi kreditni so’ndirishga yetsa muammosiz olishingiz mumkin. Agar yetmasa u holda kafil sifatida boshqa insonlarning oylik ish haqini ko’rsatishingiz va olishingiz mumkin. Sizning holatingizda ham bemalol olsangiz bo’ladi faqat oyiga o’rtacha 2 mlndan tushishi kerak to’lov siz uchun.

  11. Ассалому алайкум 1..Иккиламчи бозордан автокредит олишда,сотувчини ёки автомашинини банк тавсия этадими,ёки харидор ўзи топадими? 2. Агар туманда банк филиали бўлмаса кредет қаердан олинади? Аввалдан жавоб учун рахмат1

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