LOANS


Loans for any purposes

Rates from 16%

Up to 30 months


Credit calculator

Goods on credit

from 500 to 18000 tjs
Rates from 35%

Details

Loans for urgent needs

From 500 to 50000 tjs
Rates from 21%

Details

Credit secured by deposit,

from 1000 tjs up to 90% of the deposit amount
Rates from 12%

Details

Education loan

from 500 tjs to 15000 tjs
Rates from 21%

Details

GOODS ON CREDIT

Credit terms

Amount: from 500 to 18000 tjs
Currency: TJS
Period: to 24 months
Interest rate: 37% - for clients who receive loan for the first time
35% - for clients with positive credit history
Loan repayment :
  • Annuity payment (monthly equal installments)
  • Allowed a grace period or individual repayment schedule
Comission: For cash loan: 0%
For loan processing: 0%
 

Requirements for the borrower and the guarantor

Borrower: Citizen of the Republic of Tajikistan
Age: From 18 to 63 years (for females to 58 years)
Borrower workplace: Employee of a state institution and private companies with a stable financial situation.
The length of employment of the borrower at the latter workplace: at least 6 months
Required documents:
  • Hard Copy of the passport of the borrower and guarantor;
  • Hard Copy of VAT (if not indicated in the passport);
  • Certificate of employment of the borrower and the guarantor, indicating wage;
  • A copy of the employment record book (of the borrower only);
  • Invoices from the point of sale;
  • Receipt of payment of the advance payment for the goods (not less than 10%)
Special conditions: The borrower must pay at least 10% of the cost of purchased goods in credit

LOANS FOR URGENT NEEDS

Credit Terms

Amount: From 500 to 50000 tjs or equivalent in foreign currency at the rate of NBT
Currency: Somoni or dollars USA
Period: to 24 months
Interest rate: Loans in USD
23% - for clients who receive loans for the first time
22% - for clients with positive credit history
21% - for clients who have more than 5 positive credit history

Loans in TJS
37% - for clients who receive loans for the first time
35% - for clients with positive credit history
Loan repayment :
  • Annuity payment (monthly equal installments)
  • Allowed a grace period or individual repayment schedule
Comission: For cash loan: 0%
For loan processing: 0%
 

Requirements for the borrower and the guarantor

Borrower: Citizen of the Republic of Tajikistan
Age: From 18 to 63 years (females to 58 years)
Borrower workplace: Employee of a state institution and private companies with a stable financial situation.
The length of employment of the borrower at the latter workplace: at least 6 months
Required documents:
  • Hard Copy of the passport of the borrower and guarantor;
  • Hard Copy of VAT (if not indicated in the passport);
  • Certificate of employment of the borrower and the guarantor, indicating wage;
  • A copy of the employment record book (of the borrower only);
Special conditions: The borrower can get a loan under the guarantee of a third party only in the case if he does not have current loans to other banks or organizations. Otherwise required collateral

CREDIT SECURED BY DEPOSIT

Credit terms

Amount: to 90% of the deposit amount
Currency: TJS, USD, EUR, RUB
Period: Shall not exceed the term of the deposit
Interest rate: +10% of the deposit rate (TJS)
+10% of the deposit rate (USD)
+15% of the deposit rate in international currency
Loan repayment: free repayment schedule
Commission: For cash loan: 0%
ЗFor loan processing: 0%
 

Requirements for the borrower

Borrower: Citizen of the Republic of Tajikistan , Foreign nationals (with residence permit)
Age: From 18 years old
Borrower workplace: Not important
The length of employment of the borrower at the latter workplace: Not important
Required documents:
  • Copy of the passport of the borrower ;
  • Copy of VAT (only for citizen RT)

LOAN FOR EDUCATION

Credit terms

Amount: from 500 to 15000 TJS or equivalent to foreign currency at the rate of NBT
Currency: TJS or USD
Period: to 24 months
Interest rate: Loans in USD
23% - for clients who receive loan for the first time
22% - for clients with positive credit history
21% - for clients who have more than 5 positive credit history

Loans in TJS
34% - for clients who receive credit for the first time
32% - for clients with positive credit history
30% - for clients who have more than 5 positive credit history
Loan repayment:
  • Annuity payment (monthly equal installments)
  • Allowed a grace period or individual repayment schedule
Comission: For cash loan: 0%
For loan processing: 0%
 

Requirements for the borrower and the guarantor

Borrower: Citizen of the Republic of Tajikistan
Age: From 18 to 63 years, for females to 58 years (if the borrower is a student then the age should be up to 40 years old)
Borrower workplace: Employee of a state institution and private companies with a stable financial situation.
The length of employment of the borrower at the latter workplace: at least 6 months
Required documents:
  • Hard Copy of the passport of the borrower and guarantor;
  • Hard Copy of VAT (if not mentioned in passport)
  • Certificate of employment of the borrower and the guarantor, indicating wage;
  • A copy of the employment record book (of the borrower only);
  • A copy of the agreement with the educational institution;
Special conditions: The borrower can get a loan under the guarantee of a third party only in the case if he does not have current loans to other banks or organizations. Otherwise required collateral.

LOANS FOR TEACHERS AND DOCTORS

Credit terms

Amount: from 500 to 15000 somoni or equivalent in foreign currency at the rate of NBT
Currency: TJS or USD
Period: to 24 months
Interest rate: Loans in TJS
31% - for clients who receive credit for the first time
29% - for clients with positive credit history
Loan repayment:
  • Annuity payment (monthly equal installments)
  • Allowed a grace period or individual repayment schedule
Comission: For cash loan: 0%
For loan processing: 0%

Requirements for the borrower and the guarantor

Borrower: Citizen of the Republic of Tajikistan
Age: From 24 to 63 years, for females to 58 years
Borrower workplace: Employee of a state institution and private companies with a stable financial situation.
The length of employment of the borrower at the latter workplace: at least 3 years
Required documents:
  • Hard Copy of the passport of the borrower and guarantor;
  • Hard Copy of VAT (if not mentioned in passport)
  • Certificate of employment of the borrower and the guarantor, indicating wage;
  • A copy of the employment record book (of the borrower only);
  • A copy of the agreement with the educational institution;
Special conditions: The borrower can get a loan under the guarantee of a third party only in the case if he does not have current loans to other banks or organizations. Otherwise required collateral. Loan to teachers who have over 5 years of experience up to 6,000 TJS issued without collateral

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