Loan by gold products
Loan by gold products – is a form of a short term crediting (to 12 months) gives an opportunity for receiving money from the bank for consumer needs.
Crediting on the scheme "Loan secured by gold products" is realized under the following conditions:
| Requirements to the borrower |
1.Age - adult 2.Actual place of residence (registration) –in the Republic of Tajikistan |
| Loan currency | Somoni, USD, Russian roubles, Euro |
| Loan size | Not more than 80% from the estimated price of golden items |
| Loan term | From 1 to 12 months |
| Interest rate | According to the bank’s interest policy |
| Loan form | Cash or noncash (by the borrower’s choice) |
| Advanced payment | Allowed |
| Fee for issuing loan | According to the Tariffs on bank services to clients of the OJSC «Agroinvestbank». |
| Credit security | Golden items by the scrap value. |
| Procedure of loan repayment |
* Annuity (every month, in equal allotment with the account of interest); ** Monthly repayment of interests with repayment of the main debt at the end of the term of crediting. |
| Special conditions | Agreement of the other owner of the golden items left as security (if any) |
For receiving loan under gold security, the borrower must submit to the bank (loan officer) the following documents:
· Copy of passport of the borrower with indication of place of registration, place of residence;
· Copy of passport of the second owner of the items;
· Certificate about assigning Tax identification number (borrower);
· 1 photo of a borrower 3 x 4;
· Copy of a contract on savings.
