| Requirements to clients |
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;
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Compulsory conditions
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1. Availability of current business.
2. Share of ownership of a resident of the Republic of Tajikistan in the business should exceed 51%.
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Currency
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Somoni, USD, Russian roubles, Euro
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Minimum amount of the loan
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100 USD or equivalent in Somoni and other currencies
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Loan term
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- Short term-from 1 month to 1 year;
- Medium term – from 1 year to 3 years;
- Long term - from 3 years.
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Purpose of crediting
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Accumulation of circulating and / or key funds of the existing business.
New, inexistent business is not funded.
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Interest rate
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In national currency - 32% per annum
In foreign currency - 29% per annum
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Method of charging interest
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Interests are charged on the remainder of the main debt of the loan.
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Fee for issuing loan
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According to the current tariffs of the OJSC «Agroinvestbank».
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Method of repayment
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- monthly repayment by the method of annuity;
- monthly repayment by equal allotments;
- quarterly repayment (interests are paid off monthly)
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Period of grace
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- Provided for credits above10000 USD;
- Only on main debt.
- Details are defined during reviewing loan application;
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Credit security
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Bank can accept the following under security:
- Goods in circulation;
- Homestead;
- Real estate;
- Golden items;
- Equipment;
- Deposit;
- Vehicle;
- Guarantee (s).
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Documentation required for loan application
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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).
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Parallel crediting
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Not provided
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