The purpose of lending:

Expansion of working capital, purchase and modernization of fixed assets, expansion of production space, purchase/construction of residential and commercial houses, refinancing of current loans and other consumer purposes.

The main benefits of loan product:

Solving entrepreneurial issues

Borrowing opportunity during 1 day.

Loan issuance for payment of current loans  

Mixed collateral

Amount of loan:

From 30 000 to 250 000 somoni

From 100 000  Russian Rubles

From 3 000 Dollar

Тhe final loan amount in foreign currency at the official NBT exchange rate is no more than 250,000 on the day of the loan.

Term of loan:

From 2 to 120 months

Grace period:

To 6 months , 

To 12 months for purchase of fixed assets, construction/purchase of real estate  

Annual interest rate

New client for business purposes (loans up to 100,000)	Dollar	Smn	PU
	-	30%	22%
Regular customer with a positive credit history for business purposes (loans up to 100,000 somoni)	-	30%	-
	21%	28%	-
New client for business purposes (loans from 100,001 somoni)	17%	28%	22%
Regular customer with a positive credit history (loans from 100,001 somoni)	16%	27%
For all clients (loans from 100,001 somoni)**
For all clients for investment purposes	15.5%	26%
Buy housing in the cities of Khuchand and Dushanbe	15%	25%	-
For construction/purchase of housing	17.5%	27%
Development of national crafts/development of tourism	-	24%	-
New client for consumer purposes	-	33%	22%
Repeat customer with a positive credit history for consumer purposes	-	31%

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,

1% of the loan amount but not more than 15 Dollar USA

Effective interest rate:

 Required documents:

Passport

 TIN

Photo

Submission of state registration of current activity: patent, license, certificate (for loans of more than 50,000 somoni, 5,000 USD ИМА, 350,000 Russian Rubles).

Documents for provision (if necessary )

Passport of guarantor with residence registration;

TIN of guarantor (if available);

Statement on salary (for employees)

Copy of registration documents: real estate and/or vehicle.

 

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