1.Client’s age:
- From 18 to 62 years old;
2. Business type:
- Trade
- Production
- Services
3. Business of a legal person or an individual entrepreneur is mandatory:
- be within the functioning area of the subdivision of OJSC «Agroinvestbank»;
- not to contradict the legislation of the Republic of Tajikistan;
Citizenship and actual residence (registration, passport of RT) and activity in the Republic of Tajikistan;

Compulsory conditions

1. Availability of current business.
2. Share of ownership of a resident of the Republic of Tajikistan in the business should exceed 51%.

Currency

Somoni, USD, Russian roubles, Euro

Minimum amount of the loan

100 USD or equivalent in Somoni and other currencies

Loan term

• Short term-from 1 month to 1 year;
• Medium term – from 1 year to 3 years;
• Long term -  from 3 years.

Purpose of crediting

Accumulation of circulating and / or key funds of the existing business.
New, inexistent business is not funded.

Interest rate

In national currency - 32% per annum

In foreign currency - 29% per annum 

Method of charging interest

Interests are charged on the remainder of the main debt of the loan.

Feeforissuingloan

According to the current tariffs of the OJSC «Agroinvestbank».

- monthly repayment by the method of annuity;
- monthly repayment by equal allotments;
- quarterly repayment (interests are paid off monthly)

Period of grace

- Provided for credits above10000 USD;
- Only on main debt.
- Details are defined during reviewing loan application;

Credit security

Bank can accept the following under security:
- Goods in circulation;
- Homestead;
- Real estate;
- Golden items;
- Equipment;
- Deposit;
- Vehicle;
- Guarantee (s).

Documentation required for loan application

1. Client’s passport (Heads of organizations)

2. Borrower’s Tax identification number

3. Certificate on state registration of the private entrepreneur or legal person (for loans up to 3 000 USD), Patent and other necessary documents for running business (license, certificates and others.);

4. Organization’s charter (only for legal persons);

5. Balance sheet, on income and loss and flow of cash assets of the organization (only for legal persons).

Parallel crediting

Not provided