FOR BUSINESS


Entrepreneurs loans for business development

Rates from 24%

Up to 3 years

Loans for business development

Rates from 24%
Up to 3 years

Details

Settlement and Cash services

Fast settlements in national and foreign currencies

Details

LOANS FOR BUSINESS DEVELOPMENT

Loan conditions

Amount: Up to 500 000 somoni, or equivalent in foreign currency at the exchange rate of the NBT for legal entities
Up to 250 000 TJS, or equivalent to foreign currency at the exchange rate of the NBT for employers.
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
35% - for clients who receive loans for the first time
33% - for clients with positive credit history
32% - 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: Legal entities (non – governmental) and private entrepreneurs registered with the tax authorities of the Republic of Tajikistan
Required documents for legal entities:
  • Clarify by phone;
Required documents:
  • Hard Copy of the passport of the borrower and guarantor;
  • Hard Copy of VAT (if not indicated in the passport);
  • The patent or certificate;
  • Confirmation of the place of business (for example: lease of a sales outlet);
Special conditions: For legal entities, opening an account with an organization is mandatory

SETTLEMENT AND CASH SERVICES

Opening and maintaining settlement account

Name of banking products and services

Price of service in TJS

With local and foreign currency transactions

1.1

Opening a deposit account to individuals

0,00

1.2

Opening an account for legal entities and private entrepreneurs

40,00
(for each settlement account)

1.3

Farm workers and charities

0,00

1.4

Certified signature cards
- The first signature
- Second signature

10,00
10,00

1.5

Lock account (at the client’s request)

0,0

1.6

Recovery after the closing of accounts
For individuals
For legal entities and individual entrepreneurs

5,00
20,00

1.7

Account management

0,00

1.8

Provision of statements of account of each of the operations

0,00

1.9

Provide duplicate certificates confirming the statements of accounts upon client's request
- For each stage
- For each memorial warrant
- A certificate confirming the receipt of the client's funds to the Customs Committee

10,00
1,00
0,02% of the approved amount

1.10

Provide copies of payment documents
A copy of the legal folders (for each page)

5,00
5,00

1.11

Provide information about the presence of an account in CJSC "International Bank of Tajikistan"

10,00

1.12

Provide confirmation about the balance of the deposit account on the official letterhead of "International Bank of Tajikistan", upon the customer demand

50,00

 

Settlement operations

Name of banking products and services

Price of service in somoni

with national currencies

2.1

Inbox (credited to the account)

0,00

2.2
2.2.1

Outgoing (debit from account)
Payment by NBT system of electronic payments
in favor of clients of other banks in the Republic of Tajikistan (for each payment order)
- to 10:00 a.m
- from 10:00 a.m. tо 3:00 p.m
- from 3:00 p.m to 18:00 p.m

1,00
3,00
5,00

2.3

Cost of services for carrying out checks in accordance with the client's request in time provision of copies of documents, review or replacement of executed payment orders

50,00

 

Operations with foreign currency

2.4

Inbox (credited to the account of cash and non-cash

0,00

2.5
2.5.1

2.5.2

Outgoing (withdrawals)
Transfer of funds to the account of the client "International Bank of Tajikistan" (on internal systems)
Bank payments to customers of other banks through to 16:00 p.m:
Up to 10 000 US dollars and the equivalent of other foreign currencies:
- in Russian rubles (RUR
- in US dollars (USD)
- in EURO
From 10 001 US dollars and the equivalent of other foreign currencies:
- In Russian rubles (RUR)
- In US dollars (USD)
- In EURO

All bank transfers in favor of clients of other banks on all kinds of foreign currencies. Urgent within 8 hours.

 

0,00

 

 

50,00
50,00 ( $10 USD )
120,00

90,00
200,00
225,00

550,00

2.6

Proof of payment via SWIFT

20,00

2.7

The Commission for investigation of enrollment payment amount to the account of the beneficiary (payee), cancellation, modification or addition of payment on customer requests

120,00

 

Credit operations.

Name of bank products and services

Price of sevice in somoni

Under the loan agreement

 Operations in national and foreign currencies

3.1

Additional services to extend credit (in case of loss of the letter for the release of the pledge after repayment of the loan, providing a copy of the pledge papers over the crediting period, the provision of additional information after the repayment of the loan) on customer request.

20,00

3.2

Early repayment of the debt (on customer request).

According to the agreement

 

Cash transactions

Name of bank products and services

Price of service in somoni

Transactions in national currency:

4.1

Acceptance of cash to be credited to the account

0,00

4.2

Cash withdrawal :
: According to cash a check

0,3 – 0,5%

4.3

Checking the currency authenticity (by denomination)

According to the agreement

4.4

Cash collection Services

According to the agreement

 

  Transactions in foreign currencies

 

4.5

Acceptance of cash for crediting accounts:

the Commission is not charged

4.6

Withdrawal of cash in foreign currency

0,5 – 1%

4.7

Change of cash on other names:

А) The exchange of banknotes of small denomination for larger (for each sheet adopted for the exchange of banknotes).

B) Exchange of banknotes of large denomination to small.

 

 

0,50

0,00

4.8

The exchange of foreign currency banknotes for dilapidated fit

15% of the amount

4.9

Checking the currency authenticity (by denomination)

According to the agreement

4.10

Acceptance of checks and collection

According to the agreement

 

Other services

Name of banking products and services:

Price of services in somoni

5.1

Provide the customer on request checkbook to the bank :
- 25 sheets
- 50 sheets

 

25,00
50,00

5.2

Maintenance and storage of valuables, securities, cash

15,00

5.3

Customer support for safety during the delivery values and cash

According to the agreement

5.4

Preparation of letters on behalf of the client by the employees of JSC "International Bank of Tajikistan»

10 somoni per sheet

5.5

Consultation:
-oral
-written

No commission
under the contract

 

Exchange operations

Name of banking products and services

Price of services in somoni

6.1

Exchange of national currency into foreign currency (at the exchange rate announced by the company on the date of receipt of the client application):

According to the exchange rate on the day the client application

6.2

Exchange of foreign currency into national currency

According to the exchange rate on the date of the client application

 

Letter of Guarantee

Name of banking products and services:

Price of services in somoni

 

Transactions in national currency

 

7.1

7.1.1 Guarantees issued by the "International Bank of Tajikistan" on the fundamental instructions of the client.
Issue a letter of guarantee:
- up to 10,000 somoni
- from 10.001 to 50.000 tjs
- from 50.001 to 100.000 tjs
- from 100.001 to 200.000 tjs
- from 200.001 to 500.000 tjs

 

 

150,00
450,00
700,00
1350,00
2800,00

 

Payment on presentation of the guarantee requirements

0,2% of the payment amount

 

Changing the terms of the letter of guarantee (change in assets on bank letter of guarantee is signed, is considered separately)

0,1% of the bank letter of guarantee (min 100 somoni, max 400 somoni)

 

Payment for each Swift issue(within the bank guarantee letter)

according to SWIFT rate - 40 somoni

 

7.1.2 . Guarantees issued in favor of the beneficiary - the customer JSC "International Bank of Tajikistan"

 

 

Advising of guarantee

0,05% of the bank letter of guarantee (min 150 somoni, max 1500 somoni)

 

Advising of amendments guarantee conditions (for each package of amendments)

0,05% of the bank letter of guarantee (min 150 somoni, max 1500 somoni)

 

Swift payment (within warranty)

According to the SWIFT rate + 40 somon

 

7.1.3 . Release of the guarantee under the counter - guarantee of another credit institution

 

 

For the release of guarantee:  

 

 

А) With the provision of cash cover  

0,1% of the guarantee amount (min 100 somoni, max 3000 somoni)

 

B) No provision of cash cover  

According to the agreement (min 100 somoni)

 

Payment under the guarantee  

0,2% of the payment amount

 

Fee for each Swift issue (within the bank guarantee letter)

According to the SWIFT rate + 40 somoni



Call us (+992 44) 640-03-03