Purpose of lending

Provision of continued (sustainable) access to multipurpose consumer loans for a wide range of active population.

The main benefits of loan product:

Financing of different purposes of households

Without collateral requirement

The shortest period of application processing

The minimum requirements for submission of documents

Amount of loan:

From 1 000 to 30 000 somoni

From 5 000 to 200 000 Russian Ruble

Term of loan:

From 2 to 24 months

Grace period:

To 3 months

To 6 months for  loans the source of payment which is agriculture and cattle breeding activity.

Annual interest rate:

Option 1 - for new clients	35% Smn	22% RU
Option 1 - for repeat customers	33%
For personal treatment and family members	28%	-
For the development of national crafts	24%	-
Option 2 (with mandatory deposit guarantee of 10%)	28%	22%
Option 3 (with mandatory deposit guarantee of 15%)	28%	22%
Option 4 - (to get credit)	36%	-

Loan currency

Somoni, USD, Russian Rubles

Fee:

1% of the loan amount but not more than 150 somoni,

1% of the loan amount but not more than 1000 Russian Rubles,

Effective interest rate:

20000s, 12 months, 24%, 150s fee

Effective interest rate 25,47%

20000r, 12 months, 22%, 1000r fee

Effective interest rate 22,69%

Required documents:

Passport

 TIN

Photo

Statement on salary (for employees)

Document confirming the customer illness (for health purposes)

Documents for provision (if necessary)

Passport of guarantor with residence registration;

TIN of guarantor (if available);

.