Consumer loan
• Loan currency: Somoni (TJS)
• Amount: from: 1000 TJS to: 30,000 TJS
• Duration: up to 24 months
• Grace period: No
• Loan collateral: Guarantee (more than 20,000 somoni for new and repeat clients)
• Target group of clients: Citizens of the Republic of Tajikistan (candidate must be over 18 years old);
Documentation:
• Passport
• TIN
• Guarantor’s passport (if necessary)
• For employees – Salary certificate for the last 6 months. For pensioners – a certificate from the pension fund confirming the accrual of pension.
What you should pay attention to when getting a loan
Before receiving a loan, we draw your attention to the following risks inherent in lending:
Over-lending or over-indebtedness is when your debt load is too much for you to handle.
Unacceptable terms of a loan product – when the terms of the product (amount, term, repayment schedule, etc.) do not fit your planned budget.
Intended use of the loan – the loan received must be used strictly for the purpose specified in the application.
Transferring a loan to third parties can lead to bad consequences, is a violation of the loan agreement, and is a reason for demanding full early repayment of the loan.
Seasonality of activity/business – when your activity depends on seasonality.
Ways to solve and minimize these risks/problems can be drawing up your own budget and personal financial planning.