Home / Apartment Purchase

Purpose

Home / Apartment Purchase loans are offered to anyone with a source of income that is sufficient to repay the loan. These loans can be used for purchase of a new house/apartment anywhere within Tajikistan.

Quick Facts

  Minimum loan size

TJS 1000/ USD 200

  Maximum loan size

TJS 130 000 / USD 25,000

  Minimum loan term

1 month

  Maximum loan term

96 months for USD loans

120 months for TJS loans

  Guarantor

Guarantor is required and full financial analysis of the guarantor will be conducted by the bank 

  Collateral

The prime collateral is considered the obtained house/apartment

  Grace period

  (only principal amount)

1 month

  Currency

The product is offered in both TJS and USD

  Interest rates in TJS

33% (26% for payroll clients)           Interest rates are stated annually   

  Interest rates in USD

25% (16% for payroll clients)          Interest rates are stated annually                      

  Early closure

Allowed with the condition to formally report but no penalties

How to Apply

Interested clients should consult with the nearest branch or banking service centre.

Clients should bring with them the following documents:

 A copy of a valid passport
 Two colour passport size photos
 Tax identification number (TIN)
 A copy of passport for the co-borrower(s) if appropriate
 Tax identification number of the co-borrower(s) if appropriate
 A copy of the technical passport of the property to be purchased
 Ownership certificate of the property
 Certificate of income source from his/her employer
 A copy of employment agreement
 Copy of a valid passport of the guarantor
 Tax Identification Number of guarantor

Benefits

 Attractive interest rates with the potential for further discount if the customer opens an FMFB deposit account and services their loan through it

 Long loan maturity term allows customers to make home purchases now while spreading out payment for these purchases over an extended period of time

 Transparent and collaborative loan application process that is rooted in integrity and customer protection principles