Call center: (78) 150-11-22

Contact center:  1233

“AVTOKREDIT”

480,0 mln. uzs
Amount
480,0 mln. uzs

For purchase the vehicle
Loan purpose
For purchase the vehicle

till 60 month
Credit term
till 60 month

Мобильное приложение "Ipoteka Retail"

Оплачивайте услуги не выходя из дома Получение кредита онлайн

Application for a loan




1

Product name

AVTOKREDIT

2

Type of loan

Modular car loan

3

Purpose

- Cars from primary market;

- Electric cars;

- Secondary market.

4

Customer

The citizens of Republic of Uzbekistan who have reached the age of 21 (not older than 65 years at the end of the loan period) with steady income

5

Loan Amount

Primary market

For secondary market

Primary ICE

Electric cars

Primary ICE

Electric cars

480 mln.uzs

360 mln.uzs

300 mln.uzs

6

Term

60 months

60 months (Age <= 2 years) 48 months (Age >2 years but <=4)

60 months (Age <= 2 years)

7. Payroll project of Ipoteka-bank

7.1

 

Primary market

For secondary market

7.2

 

Primary ICE

Electric cars

Primary ICE

Electric cars

7.3

Interest rate

26.9%-27.8%

27.99%-29.8%

28.99%-29.98%

7.4

Down payment

10%

20%

15%

30%

8. Other people with official income

8.1

 

Primary market

For secondary market

8.2

 

Primary ICE

Electric cars

Primary ICE

Electric cars

8.3

Interest rate

27.9%-28.9%

29%-30%

29.99%-30.99%

8.4

Down payment

10%

20%

15%

30%

9.

Collateral

The passenger car being purchased, insurance policy

10.

Set of documents to be submitted

Passport (ID card), contract from car dealership, collateral documents.

11

DTI

60%

12

The guarantor

1 joint guarantor who has steady income can be taken if the borrower’s income is insufficient

13

Procedure of collection overdue payments

The part of overdue funds of the loan is deducted from the bank card of the borrower (or guarantor) opened in recognized financial institutions in a non-acceptance manner

14

Services of the loan

-Opening a credit account, providing a service for credit account, registering the collateral, release a collateral or part of the collateral from collateral source, monitoring, sale of the amount of the remained loan to other banks, obtaining the information from the credit bureau, making an entry in the register of collateral, monthly subscription fee on the credit, for a loan amount that does not use open credit lines – FREE

-Making changes to loan contract by the request of the customer – 0.1% of remained amount of the loan (in case it does not exceed 500 000 UZS)

15

Source of funding

Bank’s own funds

* The loan is disbursed for car brands in the approved list by the Retail Services Department and the Risk Management Department.

* The high interest rates are shown in the approved list given by the Risk management department; the risk levels are active only for branches.

Car loan sample(for primary market in UZB)

Car loan sample(for secondary market in UZB)


Attention

Loan type:
Потребительский кредит
Loan:
“AVTOKREDIT”
Name Summ

Monthly payment (if calculated in annuity)

15 822 778 UZS

The minimum monthly income required for obtaining a loan

22 603 969 UZS


Application-2
To the regulation on the minimum requirements for the activities of commercial banks in the implementation of relations with consumers of banking services
Information sheet
about main terms of the loan

The name of commercial bank, Official website, phone numbers JSCMB "Ipoteka-bank",
www.ipotekabank.uz
Phone:(78) 150-11-22,
Contact center:1233

1-section. Loan information

1. Type of the loan Потребительский кредит
2. Purpose of the loan For purchase the vehicle
3. Amount of the loan (in national currency)
4. Term of the loan (in month) month
5. The interest rate during the term of the loan (nominal amount) and the amount payable on this interest amount %

469,366,699 uzs

7. Grace period for the loan (if exist) not exist
8. Periodic payments (monthly, quarterly and etc.) Monthly
9. Loan repayment method (annuity method (equal amounts), differential method) Annuity method
10. The amount of a one-time payment during the payment period:
Annuity method
In differential method

15,822,778 uzs

11. The form of provision of the loan
(transfer of money to the account of the supplier of goods/services, in cash, transfer to a bank card, etc.)
with method of transferring money to the account of the supplier of goods/services
12. Additional expenses related to the loan (if any): not exist
Bank commissions and fees by type (indicate separately) not exist
Third party services (indicate separately) not exist
13. Total cost of the loan (includes nominal interest rate and loan servicing costs)

949,366,699 uzs

2-section. Important conditions related to other financial obligations

1. In connection with the late repayment of the loan debt, a penalty (fine, penalty) provided in the contract is imposed (if there is such a condition) for each day of late payment in the amount of 0.1 percent of the late payment amount
2. The amount of the increased interest rate paid on the loan amount due to late repayment of the loan debt (if such condition exists) Pays interest in an amount 1.5 times higher than the interest specified in the agreement.
3. Collateral of the loan (minimum requirements for the subject of collateral, minimum cost of collateral)

Read carefully before agreeing to take out a loan!

You have the right to receive complete and detailed information from the bank about the terms and amount of the loan, about the procedure for payment and settlement (interest, fines and penalties), about Your rights and obligations under the loan agreement, about the loan agreement about possible risks and responsibilities, as well as other issues that are unclear to you.

If you have complaints, you can send your appeal to (indicate the phone number) the digital phone number or (indicate the bank's postal address) the address or (indicate the bank's email address) the email address.

ACCURACY OF THE INFORMATION SHEET
AND THE AUTHENTICITY IS CONFIRMED.
_______________________________________
(position and full name of the bank's specialist)


_______________________________
(date of completion)