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Amount
1. Up to USD 5 000 or equivalent in national currency at the NBT rate
2. From 5,001 to 10 000 US dollars or equivalent in national currency at the NBT rate
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Interest Rate - US Dollars
1. 24% for new customers, up to 22% for repeat customers
2. 23% for new customers, up to 21% for repeat customers
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Interest rate - Somoni
1. 27% for new customers, up to 25% for repeat customers
2. 26% 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 36 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
- Guarantor
- Gold or gold items
- The property
- Home property
- Gooods at the work
- Car
- Deposit
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Requirements for borrowers and guarantors
- Citizen of the Republic of Tajikistan
- 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 8 months
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Required documents
- Application for a loan
- Patent or Certificate of state registration of an individual as an individual entrepreneur
- 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
- Collateral documents
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PURPOSE OF THE LOAN
Replenishment of working capital, expansion of production and retail space, purchase of fixed assets
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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
- Provision of a loan in the amount of USD 1,000 to USD 3,000 or the equivalent in national currency at the NBT exchange rate with a gold deposit of at least 70% of collateral, 1 or 2 guarantors or goods in circulation and household property
- Provision of a loan from 3,001 to 5,000 US dollars or an amount equivalent to the national currency, with the provision of a gold deposit in the amount of at least 70% of the collateral, 2 guarantors or goods in circulation and household property
- Provision of a loan from 5,001 to 10,000 US dollars or an equivalent amount in national currency with gold backing in the amount of at least 70% of collateral, 2 guarantors or goods in circulation and household property or real estate
