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Amount
1. From 1,000 to 10 000 US dollars or equivalent in national currency at the NBT rate
2. From 10,001 to 20 000 US dollars or equivalent in national currency at the NBT rate
3. From 20,001 to 50 000 US dollars or equivalent in national currency at the NBT rate
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Interest Rate - US Dollars
1. 20% for new customers, up to 18% for repeat customers
2. 18% for new customers, up to 17% for repeat customers
3. 17% for new customers, up to 15% for repeat customers
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Interest rate - Somoni
1. 28% for new customers, up to 26% for repeat customers
2. 27% for new customers, up to 25% for repeat customers
3. 25% for new customers, up to 24% for repeat customers
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Loan Currency
US dollars or somoni
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Duration
up to 120 months
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Loan payment procedure
- Annuity payments (monthly in equal installments)
- Possibility to provide a grace period or an individual payment plan
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Secured Loans
Purchased real estate or other real estate
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Advance payment
At least 30% of the value of the acquired property
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Requirements for guarantors
- From 18 to 63 years old (for women up to 58 years old)
- Employees of public institutions and private companies with a stable financial position, individual entrepreneurs
- Work experience at the last job: at least 6 months
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Required documents
- Application for a loan
- Copy of the passport of the borrower and guarantor
- Copy of TIN
- Certificate from the place of work of the borrower and guarantor indicating the amount of income
- Certificate of residence
- Collateral documents
- Patent or Certificate of state registration of an individual as an individual entrepreneur
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PURPOSE OF THE LOAN
Buying a residential building, building a residential building or renovating a residential building
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Special conditions
The borrower can obtain a loan secured by a third party only if the guarantor does not have a loan and does not act as a guarantor in other banks or microfinance organizations. Otherwise, you need to pay a deposit