Question 1

Loan issuance conditions

Accepted Answer

- Loan amounts in somoni for microbusinesses: from 800 to 49,999 somoni. Annual interest rate: from 28% to 32%

- Loan amounts in somoni for SMEs: from 50,000 somoni. Annual interest rate: from 19% to 27%

– Commission – 1% of the loan amount, but not more than 500 somoni

– Penalty – 1%

– Grace period – 12 months

Question 2

How can I repay the loan?

Accepted Answer

– At branch cash desks

– Through Humo Business (Internet banking)

What else should I know?

– Information about your credit history is transmitted to the Credit Bureau

– In case of non-payment of the loan and penalties, the loan may be forcibly collected through pledged property

– All current loans are repaid through annuity payments – meaning monthly installments

– The annual effective interest rate is calculated taking into account all additional charges, including the loan servicing fee

Question 3

Required documents

Accepted Answer

– Certificate of state registration (Shahodatnoma)

– Extract from the Unified State Register (Iqtibos)

– TIN

– Passport with residence registration, TIN of the director and chief accountant (if the accountant has the right of second signature)

– Copy of the charter (Oinnoma)

– Copy of the appointment order of the director and chief accountant (if available)

– Collateral registration, if necessary

Question 4

Required documents

Accepted Answer

– Passport with residence registration and TIN

– Original state registration document (Shahodatnoma)

– Extract from the Unified State Register (Iqtibos)

– Collateral registration, if necessary

Question 5

For individuals

Accepted Answer

– Passport with TIN

If the loan amount exceeds 80,000 somoni:

– Income certificate (for hired employees)

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