Accounting rate NBT

 for 16-07-2024

    • 11.3225
    • 13.3560
    • 0.1536

    • TJS
    • TJS
    • TJS

Students loan

Credit on the scheme Students - is a form of a short term crediting (to 12 months) for the parents of day time student or of correspondent courses, who study based on a contract, which provides opportunity for receiving money from the bank for covering tuition fees at universities.
Crediting on the scheme Students is done under the following conditions:

Requirements to the borrower
For the parents of a student:
1) Age from 18 to 63 years old, by the peremptory day of repayment of credit for men;
Age from 18 to 58 years old, by the peremptory day of repayment of credit for men;
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;
2. For a correspondence student and also working not less than 6 months of time record in an organization which is located in the zone of servicing of the Bank. Age, should not exceed 40 by peremptory day of repayment of credit;
3. For private entrepreneurs it is necessary to submit documents, certifying their business activity.
Loan currency Somoni
Loan size From 100 to 1500 USD equivalent in national currency.
Loan term   From 1 to 12 months
Interest rate   According to interest policy of the bank
Loan form   Noncash (cash assets are transferred to the account of the university).
Advanced payment   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;
** Incomes from business activity;
*** Money, obtained from working outside of Tajikistan, transferred by the money transfer system on the name of a borrower or members of his/her family.
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 (every month, in equal allotment with the account of interest)
Initial payment Not less than 20 % from the amount of the annual education.
Special conditions   1. Credit is executed by the servicing bank by the borrowers place of residence;
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;
3. It is recommended that the students acts as additional guarantee;
4. At identifying creditworthiness of the client, according to the transferred money, 4 month history of inpayments is taken into account.

*For receiving credit on the scheme Students a borrower must submit the bank (loan officer) the following documents:
Copy of passport of a borrower and guarantee with indication of the place of residence;
Reference from place of work of a borrower and income statement and other documents certifying business activity (certificate, licence, patent, tax payment and others);
Documents certifying place of work of a borrower and his/her guarantee (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;
Contract about the paid form of education of the student.

Branches of the Bank

33 Branches