Mortgage Loan

For information about banking tariffs on this product, please see the tariffs

These products are offered to a wide range of small and medium-sized enterprises, farmers and employees of public institutions and private companies.

Minimum amount: 2,000 US dollars and the equivalent in Tajik somoni 

Maximum amount: 50 000 US dollars and the equivalent in Tajik somoni

Currency: US dollar and Tajik somoni

Minimum term: 6 months  

Maximum term: 

For loans in Tajik somoni – up to 120 months

For loans in US dollars – up to 96 months 

Grace period on principal repayment: 1 month 

Borrower’s contribution: 30% of the value of the house

Guarantor: 

For standard customers: A guarantor is required only for loans over USD 2,000 and its equivalent in Tajik somoni;

For high rate and exemplary customers: A guarantor is only required for loans over USD 4,000 and its equivalent in Tajik somoni;

Collateral: According to the schedule of collateral claims 

Loan interest: According to the tariffs of credit products

Service charge: According to the tariffs of credit products

Method of interest calculation: Daily on the loan balance

Method of loan repayment: Monthly equal payments – annuity payment 

Full early loan repayment or partial prepayment: Permitted without penalty upon written request

Method of calculation of penalty for late payment of loan: 0.3% for each day of delay. The penalty is calculated on the unpaid principal amount of the loan

Additional information:

  1. Mortgage loans in USD are permitted only for customers who receive their salary in a foreign currency;
  2. For this type of product, the client must provide housing drawings and cost estimates. Based on the cost estimates, the loan amount can be disbursed in tranches;
  3. Customers with good credit history are given an interest discount;
  4. The effective annual interest rate is calculated individually for each loan;
  5. In case of non-payment of the loan and its interest, the loan shall be forcibly recovered from the pledged property;
  6. Standard customers: new or existing customers who have a credit history with the bank for more than 3 months or have more than 10 days overdue within 24 months of loan repayment;
  7. High rate customers: customers who have a credit history with the bank of at least 24 months and have up to 10 days overdue on loan repayments;
  8. Exemplary customers: Customers who have a credit history with the bank of at least 24 months and have not made any delay in loan repayment at all.