- Car loan for individuals for the primary market

- Central office, sales offices and retail outlets of "APEX BANK" JSC

- Acquisition of new passenger cars in the primary market

- Individuals - residents of the Republic of Uzbekistan, aged 21 to 70 (inclusive) at the time of loan application submission
- Officially employed and having official income for the period of at least the last 6 months on the date of consideration of the application, or having status self-employed

- Within 1 working day, after submitting the full package of documents

- Borrower's Own Participation Requirements:
• for Hybrid and ICE vehicles from 25% of the contract value of the vehicle
• for electric vehicles from 30% of the contract value of the car

- Initial payment amount from 30% of the contract value of the car

- Based on the Borrower's solvency, but not exceeding 75 percent of the contract value of the purchased vehicle

- National currency of the Republic of Uzbekistan - UZS

- At the same time, in non-cash form, by transferring funds by the Bank to the seller's account based on the car purchase and sale agreement, after the Borrower pays the initial payment amount for the purchased car from the Bank's demand deposit account
In this case, the initial payment is allowed to be made through the cash desks of other banks with the mandatory provision of a receipt to the Bank confirming the successful payment

- Up to 60 (sixty) months

- 12 months - 27%
- From 13 to 60 months - 29%

- 12 months - 27%
- From 13 to 60 months - 29%

- Increases by 2.5 times the base interest rate on the loan

- Annuity or differentiated repayment method

- Monthly, starting from the month following the month in which the loan was issued in accordance with the terms of the concluded loan agreement

- Provided to the borrower for selection from the 1st to the 15th day inclusive of each month

- Insurance of the collateral (movable property insurance) for the entire loan term;
- Insurance of the risk of loan default for the entire loan term
- Insurance premiums for the risk of non-repayment of the loan and insurance of movable property are paid from the Borrower's funds at a time multiple of the loan term, to the insurance company's account before the loan is granted, in the manner and under the terms of the concluded insurance contract and the insurance organization's insurance rules

- Insurance policy for the entire loan term
- Pledge of movable property, acquired at the expense of credit funds, which will be received in the future (property rights)

- No more than 75%

- Positive credit history, absence of credit history is allowed
- The absence of outstanding overdue debt on previously received loans, as of the date of consideration of the loan application, according to the reports of the credit bureau and other supporting documents/sources

- Those who have no debts based on the Bureau of Compulsory Enforcement of the Republic of Uzbekistan
- Absence of a bank/banks or other organizations in the "blacklist"
- The absence of the Borrower's employer in the blacklist of the Bank's legal entities

- The ratio of all average monthly payments on all current loans of the Borrower to their average monthly net income (excluding all taxes and other mandatory payments), while the Borrower's debt burden ratio, taking into account the loan received, should not exceed 50%
Exceptions
- For Borrowers registered as self-employed for the first time less than 6 months before applying to the Bank, the CDN indicator may not be taken into account and/or calculated, but not more than 15% of the total amount of outstanding loans issued by the bank to individuals
- For the remaining Borrowers, KDN is allowed up to 100%, but not more than 15% of the total amount of outstanding loans issued by the Bank to individuals

- Product NPL share not exceeding 4% of the loan portfolio for this credit product

- Identity document (Passport/ ID card/ serviceman ID card)
- Car purchase and sale agreement
- Self-employment certificate (through the state tax committee)
- In the absence of information on the Borrower's income according to external services - it is necessary to provide a certificate of income and/or an extract on the balances and movement of funds in 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 registration of the vehicle) and motor vehicle, and other documents if necessary
- For a Mortgagor who is married: the Mortgagor's marriage certificate; the identity document of the Mortgagor's spouse (passport/ID card); the Mortgagor's spouse's application for consent to the provision of the mortgaged property as security for the fulfillment of loan obligations
- The Bank reserves the right to request additional documents from the Lender

- Not more than one loan agreement