Car Model
Сar Position
Market
Car price
Amount of downpayment
Credit period:
Repayment method:
Annual rate:
24.99%Initial payment:
25%Credit amount:
The total amount of collateral should be not less than 125% of the loan amount
№
Principal debt, sum
Debt amount, sum
Amount of interest, sum
Total payment, sum
Get an initial response within 24 hours
Having prepared all the needed documents in advance
You can select a convenient payment date when applying for a loan
The bank will help you with your long-awaited purchase
The loan amount depends on a car price
Your age is over 18;
You are a citizen of the Republic of Uzbekistan; stateless person and / or foreign citizen permanently residing in the territory of the Republic of Uzbekistan;
You have been working at the current workplace for at least 6 months before the date of the loan application;
You have a positive credit history (no overdue debts on current loans, as well as no history of untimely obligations fulfillment to the bank / banks).
Loan application;
Availability of a salary plastic card and turnover on it for a period of at least 3 months or the salary information from the place of work. In this case, the turnover should be sufficient to cover the costs of all existing loans (including the newly received loan);
Original copy of passport or other document confirming the identity and place of residence of the Borrower, from which the Loan Department Officer takes a copy;
Contract from a car dealership for the purchase of a new car.
Thorough InfinBANK mobile app;
By personal visit to the bank;
If the customer's plastic card is linked to the credit profile, then payments will be charged automatically.
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| Loan term | up to 48 months |
| Purpose of the loan | To purchase motor vehicles in the primary market. |
| Annual interest rate | with an initial payment of 50% of the cost of the car and a period of up to 12 months, the annual interest rate is 22.99%; |
| with an initial payment of 40% of the cost of the car and a period of up to 24 months, the annual interest rate is 24.99%; | |
| with an initial payment of 30% of the cost of the car and a period of up to 36 months, the annual interest rate is 25.99%; | |
| with an initial payment of 20% of the cost of the car and a period of up to 48 months (including 9 months of the grace period, the annual interest rate is 26.99%. | |
| Loan amount | Depending on the value of the vehicle |
| Security | Purchased vehicle; |
| Prior to the provision of a purchased car as a pledge - a policy of insurance of the risk of non-repayment of the loan; | |
| pledge of other liquid property satisfying the Bank. | |
| The total amount of collateral must be at least 125% of the loan amount. | |
| Repayment frequency | After the expiration of the grace period on the principal debt - monthly |
| Accrued interest - monthly. | |
| The accrual of interest on the loan starts from the date of use of the loan funds on the actual balance of the loan debt. | |
| Down payment | At least 20% of the amount of the vehicle. |
| Requirements for a potential Borrower | Age from 18 years old; |
| Citizen of the Republic of Uzbekistan; A stateless person and a foreign citizen permanently residing in the Republic of Uzbekistan; | |
| Have a regular source of income; | |
| Have a positive credit history (the absence of overdue debts on current loans, as well as the absence of a history of untimely fulfillment of obligations to the bank / banks). | |
| Required documents | 1. Application for a loan. |
| 2. To analyze the average monthly income, the client fills out a “questionnaire”. | |
| 3. Original passport or other document confirming the identity and place of residence of the Borrower, from which a copy is made by the Loan Officer; | |
| 4. Agreement with a car dealership for the purchase of a new car; | |
| 5. Documents for providing. | |
| Form of granting a loan | The loan is provided in the national currency (sum) in a non-cash form, by transferring credit funds to the seller's account by the bank. |
| When obtaining a car loan, the Borrower must pay the following costs | Insurance costs |
| Place of submission of the loan application | The application and processing of the loan is carried out in the branches and departments of the bank. |
| Loan consideration period | Loan application consideration period is 3 days from the date of registration of the application. The decision on the loan application is communicated to the client within 24 hours. |
| Additional payments for consideration and processing of the loan | None |
| Early repayment | Early repayment is provided for this type of loan without additional fees and fines. |
| Grace period for principal and interest | With a term of 48 months at an annual interest rate of 26.99%, there is a 9-month grace period for principal debt. |
| Possible factors for making a negative decision regarding the provision of a loan | 1. Negative credit history (failure to repay the principal and interest on loans on time, the presence of current overdue debt on loans); |
| 2. Unstable income of a potential borrower or their absence (lack of constant income at the current place of work for at least 3 months before the date of application for a loan); | |
| 3. Incorrect, not reliable, incomplete information provided by the potential borrower. | |
| 4. Lack of collateral for the loan. | |
| Possible factors for making a positive decision regarding the provision of a loan. | 1. Positive credit history (timely repayment of loans and interest, no current overdue loans). |
| 2. Stable income of a potential borrower (at the current place of work for a period of at least 3 months before the date of submission of the loan application) | |
| 3. Satisfactory financial position of a potential borrower | |
| 4. Availability of collateral in the amount and volume necessary to cover the loan (at least 125% of the loan amount). | |
| In case of violation of the terms of repayment of the principal debt on the loan, the interest rate on the amount of overdue debt increases by 1.5 times from the date of formation of the overdue debt. | |
| Attention! The loan interest is calculated based on the nominal interest rate. And the full cost of the loan shows how much the loan will cost you if you pay interest and other types of payments on time and in the prescribed amount. | |
| Attention! The nominal interest rate of this loan is subject to change. At the same time, this change will be agreed with the borrower! | |
How often should the loan be repaid?
The principal has a 6 month grace period. After the grace period expires, the principal will begin to be repaid.
In what form is the load provided?
The loan is issued by transferring funds to the account of the supplier-dealer.
How to apply for a loan?
The loan application is processed at the bank’s branches on a stationary basis .
How long time loan consideration takes?
The term for consideration of the loan is one day from the date of the loan application submitted at the branch, subject to the provision of all documents.
Is Advance payment is required?
As of today, the initial payment must be at least 25% of the amount of the purchased vehicle.
Are there any additional fees for considering and processing the loan?
There are additional payments for non-repayment risk insurance and car insurance.
Is there a grace period for principal and interest?
The principal debt has a grace period of up to 6 months. There is no grace period for interest.
What kind of factors can impact loan refusal?
Negative credit history (not timely repayment of the principal and interest on loans, having current overdue loans):
The main factors of rejection could be.
| Type of loan | |
| Amount of credit | |
| Credit term | |
| Annual interest rate | |
| Expenses for registration of collateral, insurance and other when applying for a loan | |
| Approximate date of obtaining a loan | |
| Full cost of the loan |
| Month | The remainder of the principal debt, sum | Amount of repayment of the principal debt,sum | Amount of interest, sum | Total payment, sum |
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