Question 1

What is auto leasing?

Accepted Answer

Leasing is a long-term rental with the right to purchase. The leasing company buys the car and gives it to you for use over an agreed period. You pay monthly, and at the end of the term you can buy the car at the residual (buyout) value.

Question 2

How does leasing differ from a loan?

Accepted Answer

With a loan you immediately become the car's owner; the bank simply finances the purchase. With leasing, the leasing company remains the owner until the buyout. Leasing is often easier to arrange, and for business it is more tax-advantageous. For individuals a loan is usually cheaper. Compare both options in the Buy vs Lease calculator.

Question 3

What is price appreciation in leasing?

Accepted Answer

Price appreciation is the total markup on the financed amount over the entire leasing term. For example, at 20% appreciation on a car worth 100M UZS you will pay 120M (excluding the down payment). This is the equivalent of total loan interest.

Question 4

Is KASKO mandatory in leasing?

Accepted Answer

Yes, KASKO is mandatory in leasing as the car is the property of the leasing company and it protects its asset. KASKO costs typically 3–6% of the car's value per year and is included in monthly expenses.

Question 5

What are the typical auto leasing terms in Uzbekistan?

Accepted Answer

Typical terms: down payment 20–30%, term 24–48 months, appreciation 15–30% over the full term. The buyout value is usually symbolic — from 1 to 5 million UZS. Check rates and terms with specific leasing companies.

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Auto Leasing in Uzbekistan 2025

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