Central office, sales offices and retail outlets of JSC “APEX BANK”

Purchase of new motor vehicles manufactured by JSC “UzAutoMotors”, sold through officially authorized Dealer Enterprises

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

Within 1 working day after submission of the complete set of documents

Initial payment of at least 20% of the car's contract value, according to Appendix 1

Based on the Borrower’s solvency, but not exceeding 80 percent of the contract value of the purchased vehicle

National currency of the Republic of Uzbekistan – UZS

In a non-cash form, in a single payment, by transferring funds by the Bank to the seller’s account based on the car purchase agreement, after the Borrower has paid the initial payment for the purchased vehicle from the demand account at the Bank.
The loan is provided within 1 (One) working day from the moment the Borrower fulfills all conditions necessary for the Bank to open 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 19% per annum, set depending on variables determined by the conditions of the partnership program

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

In equal monthly installments

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

Provided to the Borrower with the option to choose a date from the 1st to the 15th of each month, inclusive

Insurance of the collateral (movable property) against risks of damage and loss for the entire loan term at the Borrower’s expense, under the terms of the concluded insurance contract and the insurance rules of the insurance organization

Credit default risk insurance policy for the entire loan term;
Pledge of movable property purchased with loan funds, including property to be received in the future (property rights).

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 debts on previously received loans as of the date of consideration of the loan application, according to credit bureau reports and other supporting documents/sources.

No debt in the database of the Bureau of Compulsory Enforcement of the Republic of Uzbekistan;
Not in the “blacklist” of the Bank/banks or other organizations;
The Borrower’s employer is not in the Bank’s legal entities blacklist;
The ratio of all average monthly payments on all active loans of the Borrower to their average monthly net income (after all taxes and other mandatory payments), and the Borrower’s debt burden ratio must not exceed 50% taking into account the loan received;
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 unpaid loans issued by the Bank to individuals.
For other Borrowers, a DTI of up to 100% is allowed, but not more than 15% of the total number of unpaid loans issued by the Bank to individuals.

The ratio of the total principal debt (limit) of the Borrower on consumer loans and/or microloans to their average monthly income, and as of 01.03.2026:
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 average monthly income;
5 times, if it is not possible to determine average monthly income, except for self-employed Borrowers.
For self-employed Borrowers, the debt-to-income ratio must not exceed 8 times. For loans provided to Borrowers first registered as self-employed less than 6 months prior to applying to the Bank, for the purpose of carrying out 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 unpaid loans issued by the Bank to individuals.

The NPL share for the product must not exceed 3% of the credit portfolio for this loan product

Identity document (Passport/ ID card/ military service ID);
Car purchase agreement;
Certificate of self-employment (through the State Tax Committee);
If there is no information about the Borrower’s income from external services – it is necessary to provide an income certificate and/or a bank statement of balances and transactions 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 the vehicle is registered) and the motor vehicle, and other documents if necessary;
For a Collateral Provider who is married: the Collateral Provider’s marriage certificate;
Identity document of the Collateral Provider’s spouse (passport/ID card); a statement from the spouse of the Collateral Provider consenting to provide the collateral to secure the fulfillment of loan obligations;
The Bank reserves the right to request additional documents from the Collateral Provider.

Reimbursement of the Bank’s expenses related to credit default insurance is paid by the Borrower in a single payment

No more than one loan agreement