Possession of a passport of the Republic of Tajikistan, TIN, and income certificate

Visit the nearest branch and contact a loan expert

At initial stage, documents review/check are carried out by a loan expert. After that, the application to be analyzed by a specialist, who assess potential risks of loan repayment (underwriter), and makes a final decision

A loan application may be declined if an applicant has a history of missed or late payments on previous credit obligations even with other banks. Additionally, applications may not be approved if the applicant lacks stable employment or permanent residency

Yes, it usually amounts to up to 1%, depending on the loan conditions

There are two types of repayment schedules: differentiated and annuity.

• With a differentiated schedule, the payment amount decreases each month.

• With an annuity schedule, the payment amount remains the same throughout the loan term

S = (krt) / (d*100), where: k – outstanding loan balance, r – annual interest rate, t – number of days the loan is used, d – number of calendar days in the year (365 or 366)