Car loan for individuals for the primary market

Central office, sales offices of JSC “APEX BANK”

Purchase of new passenger cars of the brands "Leapmotor" "GAC" "AITO" supplied by the official dealer: LLC "EVOLUTION-MOTORS"

Individuals – residents* of the Republic of Uzbekistan, aged from 18 to 70 years (inclusive), at the time of submitting the loan application
Officially employed and having official income for a period of at least the last 6 months as of the application review date
To persons registered as self-employed

Within 1 business day after submitting the complete set of documents

Initial payment of at least 25% of the car’s contract price, according to Appendix 1

Based on the Borrower’s repayment capacity, but not exceeding 75 percent of the contract price of the purchased car

The national currency of the Republic of Uzbekistan – UZS

Lump-sum in non-cash form, by the Bank transferring funds to the seller’s account based on the car purchase agreement, after the Borrower has paid the initial payment for the purchased car from their demand account at the Bank
The loan is provided within 1 (one) business day from the moment the Borrower fulfills all conditions necessary for the Bank to release financing. At the same time, the initial payment may be made through the cash desks of other banks, with mandatory submission to the Bank of a receipt confirming the successful completion of the payment

Up to 60 (Sixty) months (according to Appendix 1)

From 0% to 24% per annum, determined depending on variables defined by the terms of the partnership program

The main interest rate is set at 40% (Forty) percent per annum

Differentiated or Annuity

Monthly, starting from the month following the month of loan issuance, in accordance with the terms of the concluded loan agreement

Provided at the Borrower’s choice from the 1st to the 15th inclusive of each month

Insurance of the collateral (insurance of movable property) against risks of damage and loss for the entire loan term at the expense of the Borrower in accordance with the concluded insurance contract and the insurance rules of the insurance organization

Loan default risk insurance policy for the entire loan term
Pledge of movable property purchased with loan funds, which will be received in the future (property rights)

Not more than 75%

At least 125% of the loan amount
At least 130% of the loan amount for persons related to the bank

Positive credit history, absence of credit history is allowed
No outstanding overdue debt on previously received loans as of the date of loan application review, according to credit bureau reports and other supporting documents/sources

No debt in the database of the Enforcement Bureau of the Republic of Uzbekistan
Not on the "Black" list of the Bank/banks or other organizations
The Borrower’s employer is not on the Bank’s legal entities "black" list

The ratio of all average monthly payments on all active loans of the Borrower to his average monthly net income (after deducting all taxes and other mandatory payments), while the Borrower’s debt-to-income ratio must not exceed 50% taking into account the received loan
Exceptions:
For Borrowers first registered as self-employed less than 6 months before applying to the Bank, the DTI indicator may not be considered and/or calculated, but not more than 15% of the total number of outstanding loans issued by the Bank to individuals
For other Borrowers, DTI up to 100% is allowed, but not more than 15% of the total number of outstanding loans issued by the Bank to individuals

The ratio of the total principal debt (limit) on the Borrower’s consumer loans and/or microloans to his average monthly income, and starting from 01.03.2026:
1. when using income confirmed by the relevant documents and information, the Borrower’s debt-to-income ratio must not exceed:
8 times, if it is possible to determine the average monthly income
5 times, if it is not possible to determine the average monthly income, except for Borrowers who are self-employed
2. for Borrowers who are self-employed, the debt-to-income ratio must not exceed 8 times
For loans provided to Borrowers first registered as self-employed less than 6 months before the date of application to the Bank, for the purpose of conducting income-generating activities, the debt-to-income ratio may not be considered and/or calculated, but not more than 15% of the total number of outstanding loans issued by the Bank to individuals

The NPL share for the product must not exceed 4% of the loan portfolio for this credit product

Identity document (Passport/ID card/military service ID)
Car purchase agreement
Self-employment certificate (through the State Tax Committee)**
If there is no information about the Borrower’s income according to external services – it is necessary to provide an income certificate and/or statement of balances and transactions on the bank account for at least the last 6 (six) months
If necessary, the Bank reserves the right to request additional documents from the Borrower

Documents for the property provided as collateral, certificate of state registration (after vehicle registration) and other documents if necessary
For a Pledgor who is married: Pledgor’s marriage certificate; identity document of the Pledgor’s spouse (passport/ID card); statement from the Pledgor’s spouse consenting to provide the collateral to secure the loan obligations
The Bank reserves the right to request additional documents from the Pledgor

Reimbursement of the Bank’s expenses related to loan default risk insurance is paid by the Borrower in a lump sum

No more than one loan agreement may be concluded with a single Borrower for this credit product within one year