Accounting rate NBT

 for 16-07-2024

    • 11.3225
    • 13.3560
    • 0.1536

    • TJS
    • TJS
    • TJS

Car credit

Car credit - is a form of a short term crediting (to 36 months) offers opportunity for a borrower to receive a loan from the bank to buy a car and according to the loan contract repay the loan and interests due.
Crediting on the scheme Car credit is realized under the following conditions:

Requirements to the borrower
1. Age from 18 to 63 years old, by the peremptory day of repayment of credit for men:
2. Age from 18 to 58 years old, by the peremptory day of repayment of credit for men:
3. Not less than 6 months constant time record in organization, which is in the area of the servicing bank, with the account of the term of contract or job contract;
4. For private persons submission of documents certifying business activity;
5. Actual place of residence (registration) in the Republic of Tajikistan.
Loan currency Somoni
Loan size   Equal to 70% - from the cost of the procured car, but not more than 20 000 USD equivalent in national currency.
Loan term   From 12 to 36 months
Interest rate According to the interest policy of the bank.
Loan form Noncash (according to the agreement with the OJSC Agroinvestbank, money will be transferred to the car sale centres account).
Advanced repayment Allowed.
Fee for issuing loan According to the Tariffs on the rendered bank services to the clients of the  OJSC  Agroinvestbank
Source of credit repayment Regular source of income of the borrower and his/her guarantee, size of cash assets, enough for reimbursing loan and its interests including incomes from business activity;
Credit security   The procured car after insurance or personal assets.
Procedure of loan repayment Annuity (every month, in equal allotment with the account of interest)
Initial payment Not less than 30 % from the cost of the procured car.
Period of applications review   During 5 banking days from the day of submitting full package of documents by a borrower.
Special conditions   1. At reviewing application for identifying the amount of the allocated loan not more than 50% is considered from the total amount of official income of a borrower (salary and other additional incomes);
2. This type of credit can be issued only by the Banks Head office;

For receiving credit on the scheme Car credit a borrower must submit to the bank (loan officer) the following documents:
Copy of passport of a borrower with indication of place of  residence;
Income statement from the place of work of a borrower or other documents certifying his/her business activity (certificate, patent, tax payment and others);
Documents, certifying place of work of a borrower (job contract, work record card, reference from human resource department);
Certificate about assigning Tax identification number (borrower);
1 photo of a borrower 3 x 4;
Invoice from car sale centre;
Insurance policy or complete package of documents about personal asset left as a security.

Branches of the Bank

33 Branches