Accounting rate NBT

 for 13-06-2024

    • 11.3225
    • 13.3560
    • 0.1536

    • TJS
    • TJS
    • TJS

Supply goods on credit

Goods on credit a form of medium-term bank loan (up to 36 months) for developing noncash payment of population with enterprises of retail trade, that allow borrower to procure necessary goods for his/her consumer needs and according to a contract on bank loan pay off loan and interests due.

Bank loan on the scheme Good on credit is realized under the following conditions:

Requirements to a borrower
1. Age from 18 years old to 63 years old, by the peremptory day of repayment of credit for men:
2. Age from 18 years old to 58 years old, by the peremptory day of repayment of credit for women:
3. Not less than 6 month 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 entrepreneurs, it is necessary to present document certifying their business activity;
5. Actual domicile (registration) in the Republic of Tajikistan.
Loan currency Somoni
Size of a loan From 100 to 10 000 USD equivalent to national currency
Loan term From 3 to 36 months
Interest rate According to the interest policy of the Bank
Loan form Noncash (according to the concluded contract with Agroinvestbank money will be transferred to the account of the sales outlet)
Advanced payment Allowed
Fee for issuing loan According to the Tariffs on rendered bank services to the clients of Agroinvestbank
Source of reimbursing credit Regular source of income of the borrower and his/her guarantee, size of cash assets, enough for reimbursing loan and its interests, including income from business activity.
Credit security   Guarantee not less than one person, whose source of income when necessary is sufficient for execution of liability
Procedure of loan repayment Annuity (monthly, by equal allotments with the account of interests)
Initial contribution Not less than 10% from the cost of the procured goods
Special conditions 1. Loan is executed by servicing Bank, by the place of residence of a borrower.
2. In reviewing application on allocating cash assts issued to a borrower for a loan, not more than 50 %  of total amount of formal income (salary and other additional incomes) of the borrower

For receiving a loan on the scheme Goods on credit, a borrower has to submit to the bank the following documents:
   Copy of his/her passport (borrower) and of his/her guarantee, with indication of place of residence;
   Reference from job place of the borrower and of his/her guarantee or other documents certifying business activity (certificate, licence, patent, payment of taxes and other.);
   Documents, approving place of work of the borrower and of his/her guarantee (job contract, work record card, reference from human resource office);
    Certificate on assignment of Tax identification number (borrower);
   One photo of the borrower (size 3 x 4);
   Invoice from a sales outlet.

Note: At obtaining loan for the first time, the loan period is for 3 to 12 months. In case of good credit history with the first loan, an opportunity will be provided to increase credit term in the second loan up to 18 months, in the third one up to 24 months, in the fourth loan to 30 months and in the fifth credit to 36 months.

Branches of the Bank

33 Branches