"KHONA" 

Features: Executed with the purpose of enabling Depositor to obtain from «Agroinvestbank» mortgage credit on concessionary terms.

Recommended:  Exclusively to physical persons for procurement or construction of a house.
 
Interest rate of the loan depends on the level of refinancing rate set by the National Bank of Tajikistan at the current date – 3 % annual. Interest rate on the deposit is floating and depends on the refinancing rate. Term of depositing for the current deposit is not less than 2-years.

On the complex product «Khona» method of interests’ capitalization is used, that is every year after deducting taxes, charged interests are applied to increase of the account’s balance.  

In compliance with the above mentioned conditions, if Depositor wishes «Agroinvestbank» offers preferential loan for procurement or construction of a house. The amount of this credit is equivalent to the amount of the account’s balance on the day of closing the deposit account. The interest rate of the loan depends on the level of refinancing rate set by the NBT for the current date + 10% annual with the term of loan use up to 3 years. Interest rate on the loan is floating and depends on the level of refinancing rate.

The general conditions for the time deposit «Khona» 

Minimum amount of deposit	Not less than 300 units of account’s currency; (in Russian rubles – 3000);
Currency	Somoni, US Dollars, Euro, Russ Rubles;
Term of use	Not less than 2 years;
Interest rate on deposit	In accordance with the interest policy of «Agroinvestbank» for the current date minus 3% per annum;
Amount of additional receipt of funds	·         Monthly, not less than 50 units and not more than 1000 units of account’s currency; ·         Not more than 2 inpayments to deposit a month;
Term and procedure of interests charges on the deposit	Monthly interest capitalization